Official Ontario Automobile Policy (OAP 1)

For full details on standard auto insurance coverage in Ontario, you can review the Ontario Automobile Policy (OAP 1), approved by the Chief Executive Officer of the Financial Services Regulatory Authority of Ontario (FSRA) for use as the standard Owner’s Policy on or after July 1, 2026.

This document outlines the official terms, conditions, benefits, and limitations that apply to automobile insurance policies in Ontario.

You can view the current version here: Ontario Automobile Policy (OAP 1)

Note: Links and documents may change over time. If this page becomes outdated, you can visit fsrao.ca and search for “OAP 1” to find the most current version.

Mandatory & Optional Auto Insurance Coverage in Ontario (2026 Update)

Auto insurance in Ontario is changing. As of July 1, 2026, drivers will have more control over their coverage — but also more responsibility to choose the right protection.

Third-Party Liability

✔ Required

Increase limits ($1M–$2M recommended)

Accident Benefits (Medical, Rehab, Attendant Care)

✔ Required

Increase limits available (up to $1M+)

Income Replacement Benefits

—

✔ Optional (NEW in 2026, $400–$1,000/week)

Caregiver Benefits

—

✔ Optional (NEW in 2026)

Housekeeping & Home Maintenance

—

✔ Optional (NEW in 2026)

Death & Funeral Benefits

—

✔ Optional (increase limits available)

Non-Earner Benefits

—

✔ Optional

Dependant Care Benefits

—

✔ Optional

Lost Education Expenses

—

✔ Optional

Visitor Expenses

—

✔ Optional

Damage to Personal Items

—

✔ Optional

Indexation Benefit

—

✔ Optional (adjusts benefits for inflation)

Tort Deductible Buydown (OPCF 48)

—

✔ Optional

Direct Compensation (DCPD)

✔ Required

Optional deductible applies

Collision Coverage

—

✔ Optional

Comprehensive Coverage

—

✔ Optional

⚠️ Starting July 2026, many accident benefits — including income replacement, caregiver, and household support — may no longer be automatically included. If you do not select them, coverage may be limited or unavailable after an accident.

***Disclaimer: Information provided is for general educational purposes only and does not constitute insurance advice. Coverage, limits, and availability may vary by insurer and policy, and the coverages listed here are not exhaustive and may not reflect all available options. Always review your policy documents and consult a licensed insurance professional for advice specific to your situation.

Be Careful Before Reducing Your Auto Insurance Coverage

With the new Ontario auto insurance changes, some important coverages are no longer automatically included in your policy. While lowering coverage may reduce your premium, it can also leave you financially exposed when you need protection the most.

Reduced Coverage = Increased Risk

Benefits like income replacement, caregiver support, and medical coverage may now be optional. Without them, a serious accident could leave you paying out-of-pocket for lost income or care.

Policies May Look Cheaper — But Offer Less

Some quotes may exclude key protections to lower the price. It’s important to understand exactly what is included and what has been removed before making a decision.

Not All Drivers Have the Same Needs

Your coverage should reflect your lifestyle, income, and risk level. What works for one driver may leave another underinsured.

Before choosing a policy, make sure you clearly understand what coverages are included, what’s optional, and what you may be giving up.