Five things to check on every Ontario renewal
- Your accident benefits selections. Since July 1, 2026 most injury benefits (income replacement, caregiver, non-earner) are optional. Whatever carried over on your renewal is what you have — check it matches what you'd actually need if you couldn't work after a crash.
- DCPD status. If you (or a previous broker) opted out via OPCF 49 to save ~10%, your own vehicle damage isn't covered in a not-at-fault crash. Make sure that was a decision, not an accident.
- Your deductibles. Raising a $500 collision deductible to $1,000 often trims the premium meaningfully — worth pricing if you could absorb the difference.
- Discounts you've earned since last year. Winter tires, bundling home + auto, telematics apps, retiree or alumni group rates — brokers don't always apply these unprompted. Ask for the full list.
- The itemized reason for any increase. "Rates went up" is not an answer. Ask what changed: your rate group, your territory, a lost discount, or a surcharge. Each has a different fix.