Everything you need to navigate the upcoming Auto Reform changes with confidence.
What’s changing
Starting July 1, 2026, Ontario is introducing changes to the Statutory Accident Benefits Schedule (SABS), giving your clients more flexibility to tailor their auto insurance coverage. These changes apply to all new and existing customers, irrespective of renewal date.
No more one-size-fits-all coverage
Medical, rehabilitation, and attendant care benefits will remain mandatory, while all other accident benefits will become optional.
Auto insurance first
Auto insurance will become the first payor for medical or rehabilitation claims (except medication expenses).
New definition of covered persons
Optional accident benefits will only cover the named insured, their spouse, their dependants, and any listed drivers. Pedestrians, cyclists, and passengers are no longer eligible unless they fall into these categories.
Why us
With Gore Mutual, your clients get:
Top-rated protection for what matters most
Recently voted among the best in the industry, our auto insurance provides flexible coverage for personal and commercial needs, with optional add‑ons for extra peace of mind.
Flexible billing options
With multiple billing options available, your clients can choose from various payment plans to align with their coverage periods and avoid overlap.
Exceptional claims service
With our award-winning claims support, your clients work directly with the adjuster who owns their file — reducing handoffs and lightening your administrative load.
Here to support you
We are here to support you and your clients every step of the way. Reach out to your business development manager or check out the following resources:
Learn what this means for your workflow
Use our bite-sized modules to learn what’s changing and how it impacts your work in Guidewire.
What your clients see
Preview what your clients receive from Gore Mutual to stay ahead of conversations.
