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Changes to Ontario Auto Insurance Give You More Choice

Below are frequently asked questions about upcoming changes in auto insurance.

1. What is Ontario Auto Reform?
The Ontario government has introduced significant reforms to the auto insurance system, in order to provide consumers with more choice over the coverages and price they pay for insurance. These additional accident benefit choices will allow customers to customize their policy to suit their needs.

Standard Auto Insurance Policy
In Ontario, the Insurance Act determines the standard coverage that consumers must purchase.  As a result of the reforms, some of the features under the Standard Auto Insurance Policy have changed.  Beginning September 1, 2010, if you are either buying a new auto insurance policy or renewing an existing one, you will have more options to purchase a level of coverage that is right for you.
All auto insurance policies will continue to include the following: 

  • Third-Party Liability
  • Uninsured Auto coverage
  • Direct Compensation-Property Damage
  • Statutory Accident Benefits

In addition, if you previously purchased Collision and/or Comprehensive coverage, it will still be included in your policy.

2. What do I need to do?
You don't need to do anything right now. At your renewal date, you can review your coverage and consider changes.  In the meantime, if you wish to take advantage of changes on September 1, 2010 please contact your insurance broker to discuss your options.

3. Will my rates increase or decrease as a result of these changes?
As always, auto insurance rates depend on a number of variables including driver experience, coverage choices, vehicle model and others.  Your broker is your best resource in assisting you to understand the options available to you.

4. I have a claim in process right now, does this change affect that?
Changes effective Sept 1, 2010 are retroactive and may affect an existing claim. We encourage you to contact your Claims representative to discuss how this might affect you.

5. When will I receive more information?
You will receive notification of options that are available to you in your policy renewal package.

6. Where can I get more information?
Contact your broker for more details or visit Financial Services Commission of Ontario  website.

The Zurich Ombudsman can be reached at: 1-800-268-9168 ext. 6773