Starting July 1, 2026, Ontario is making changes to auto insurance to give drivers more choice and flexibility. Drivers will be able to choose benefits to fit their needs. Medical, rehabilitation and attendant care benefits will remain mandatory to ensure everyone has access to essential recovery support. All other accident benefit coverages, such as income replacement, will become optional. Who is covered for these optional benefits under your policy will also change.

The insurance landscape in Canada is changing fast. With the rise of digital platforms and “one-click” purchases, consumers are increasingly being offered coverage in new ways, often without realizing who is actually providing the advice behind it.

At BCM Insurance, we believe insurance should do more than just protect you, it should also give back to you. That is why we’re proud to announce our 2025 Refund from Surplus, where eligible policyholder(s) will receive 10% on the property premiums they paid.This is more than just a refund. It is a reflection of what makes mutual insurance different, and better to you, your family, and local community.