Jay Ralston says the government's use of the word 'optional' is discouraging Ontarians from understanding what they're actually giving up
Branislav Urosevic Aug 28, 2026
A Canadian-born driver: $3,280. A UK newcomer with the same clean record: $6,047. A newcomer from India: $9,821. Two separate mechanisms compound to produce that gap - and a July rule change made it worse
Most companies already post plain-language coverage FAQs online, but few people actually check them
A new levy on auto parts specifically would build on repair cost inflation already showing up in Canadian rate filings
New MGAs, expanding facilities, and unreliable long-term agreements are adding complexity beneath the rate reductions
Provinces can catch chameleon carriers once they know what to look for. The problem is that by the time they know, a fatal crash has already happened
Auto theft remains a major driver of personal lines claims and premiums - Équité Association's Bryan Gast sets out the combination of habits, devices and safeguards that meaningfully reduces a client's risk
New regulations give carriers enough detail to start work ahead of January 2027, but IBC's own modelling shows the promised savings are sensitive to litigation-scope decisions that remain politically and legally contested
Average vehicle damage claims have climbed 25% in five years, and insurers say energy-driven inflation is only adding to the pressure
Navacord's Robert Beeston breaks down how these pressures are colliding to change how construction risk gets priced and placed
NFP's Randy Ramkissoon says one GPS tracker isn't enough anymore – thieves know where to look, and the claims are getting more severe
BFL Canada's Hector Plascencia says the gap between identifying a risk and actually understanding its business impact is where most organizations fall short
