Turning Ontario’s Auto Insurance Reform Into a Strategic Advantage

1. Product Innovation
 With configurable accident benefits, insurers can offer flexible packages tailored to life stages, occupations, and risk profiles. Think: starter packages for young drivers, top-up benefits for families, or simplified coverage for retirees. A modular product strategy enables more meaningful and stronger customer engagement.

2. Digital Experience as a Differentiator
 Online tools that help clients compare options, simulate premiums, and understand trade-offs will become essential. Intuitive self-service platforms reduce friction and build trust, while also lowering operational cost  and reduce risk of underinsurance.

3. Empowering Brokers and Advisors
 Frontline teams need the right support to navigate conversations. That includes:

• Enhanced training and certification
• Updated scripts and client guides
• Real-time digital quoting tools that simplify complex scenarios

4. Operational Efficiency and Agility
 To manage the increased variation in products, insurers must modernize their policy administration and claims systems. Agile rule engines, configurable workflows, and intelligent automation can reduce manual work and improve responsiveness.

5. Data and AI as Growth Drivers
 With better insight into consumer choices and behavior, insurers can apply AI to:

• Personalize pricing
• Predict claim likelihood
• Detect fraud
• Identify high-value segments for targeted marketing

The reform provides a new stream of valuable data. Those who act early to build analytics capabilities will outpace their peers.

The 2026 reform marks a turning point for Ontario’s P&C landscape. Insurers who move quickly to modernize systems, redesign products, and support their distribution channels will capture market share and elevate their brand.

At GFT, we’re ready to help you lead this transformation with advisory services, technology delivery, and digital modernization tailored to the Canadian insurance market.

Let’s talk about how we can support your journey.