2026 Ontario Auto Reform: The Licensing Guardrails

A full suite of Accident Benefits had been automatically applied to all auto policies prior to the 2026 Reform. First payer rules also accessed funds for payment from the individual’s Collaterals (or workplace or private health plans) before the OAP’s limits were accessed. Because Accident Benefits were Standard for so long there was little need for Brokers to discuss them in the detail as like they would any other “for sale” product with clients due to their, mostly, fixed conditions. However, with the change towards Optionality and the OAP becoming first payer of claims before the customer’s collaterals, this changes the zone of information Brokers might be called to advise on.

From this reform, Brokers will face more complex client discussions, and the risk to stray outside the RIBO licensing guidelines once a customer’s collaterals come into the discussions is higher. This course will focus on examples for how brokers can navigate customer conversations when they are requesting advice on non-P&C products and/or sufficient limits in either their Auto Policy or their collaterals. It will provide a Can Say and Cannot Say examples to each scenario to help brokers conceptualize what is appropriate when considering their future customer/client conversations.

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