Review the renewal package
FSRA says policy renewals are generally sent about 30 days before expiry.
Compare equivalent coverage
After July 1, 2026, accident-benefit choices make like-for-like comparison especially important.
Update vehicle use
Commute, annual mileage and driver changes should be accurate.
Avoid accidental gaps
Coordinate the start of a replacement policy before cancelling the old one.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.