Ask what event needs coverage
Rental, borrowed vehicle, newly acquired vehicle and seasonal use are different situations.
Check existing policy provisions
OAP 1 contains rules for newly acquired and temporary substitute automobiles.
Endorsements may address non-owned vehicles
OPCF 27 can matter for some rented/borrowed vehicle situations.
Avoid gaps
Do not cancel an annual policy merely to solve a short temporary change without confirming replacement coverage.
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.