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Ontario Auto Insurance Just Changed: What Every Driver Needs to Know Before July 1

  If you drive in Ontario, this affects you — starting July 1, 2026 , the biggest shake-up to Ontario's auto insurance system in decades is here. Nine benefits that were automatically included in every policy for years are now optional extras you have to pay for separately — or go without. The Ford government is calling it consumer choice. Critics are calling it a coverage cliff. Either way, Ontario drivers need to understand what just changed before their next policy renewal — because the default "basic" plan is now much leaner than what you're used to. From Standard Package to À La Carte Ontario's auto insurance has always included a bundle of Statutory Accident Benefits (SABs) — no-fault coverage that kicks in when you're hurt in a collision, regardless of who caused it. Think income replacement, caregiver support, funeral costs. They were simply part of the deal. That changes now. Starting July 1, 2026, only three categories of benefits remain mandatory in...

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Your lookahead horoscope: January 26, 2025

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

You need to have one primary objective this year and that is to consciously look for the good in everyone you meet. It won’t always be easy but it can be done – and you will quickly discover how much simpler and nicer it makes life as a whole.

ARIES (March 21 - April 20):

What you are told by someone at the start of the week may seem a bit far-fetched but don’t dismiss it out of hand because there could be some truth to it. The only thing you can be sure of is that you cannot be sure of anything!

TAURUS (April 21 - May 21):

You may strongly disagree with what a friend or work colleague does this week but don’t make a big deal of it. There may in fact be a method to their madness in that they are trying to draw attention to themselves. So ignore them.

GEMINI (May 22 - June 21):

Social activities should go well over the next few days but you will need to be careful when it comes to spending money, especially your own. No matter how much fun you may be having the experience isn’t worth getting into debt for.

CANCER (June 22 - July 23):

You may want to deny what a friend or loved one tells you this week but deep down you know they’ve got it right, so take what they say into consideration before making long-term plans, especially those that might affect your family situation.

LEO (July 24 - Aug. 23):

Be careful what you wish for over the next few days, because the universe may answer your prayer more quickly than you bargained for. Come the end of the week you may even decide that you no longer want what you once desired so much.

VIRGO (Aug. 24 - Sept. 23):

You may disagree with what a friend or loved one tells you this week but listen to them anyway because even though they may have got the wrong idea overall there will still be some minor points you can use for your own benefit.

LIBRA (Sept. 24 - Oct. 23):

The message of the stars this week is that you must avoid extremes, both in your personal life and when it comes to dealing with people on the work front. Use your Libran sense of balance to steer clear of anything too radical or controversial.

SCORPIO (Oct. 24 - Nov. 22):

No matter what you decide to do over the next two or three days you will have to adjust your plans due to unexpected developments in the wider world. Your Plan A may be good but you will need a Plan B as well, just in case.

SAGITTARIUS (Nov. 23 - Dec. 21):

Stop looking for excuses to avoid something you know must be dealt with and just get on with it. The planets warn you don’t really have much choice in the matter, so embrace the situation for what it is and do the best job you can.

CAPRICORN (Dec. 22 - Jan. 20):

If you feel the need to say something critical this week then by all means open your mouth and let rip, but don’t kid yourself that there won’t be consequences. Strangely, some people don’t seem to enjoy being told they are stupid.

AQUARIUS (Jan. 21 - Feb. 19):

Ignore what other people say must be done and listen to what your inner voice tells you. That is good advice any day of the year but over the coming week it could save you from disaster. Deep down you already know what your next move should be.

PISCES (Feb. 20 - Mar. 20):

If someone expects you to take on more responsibilities than you think is healthy or fair you must speak up about it. If you stay quiet and soldier on regardless they will take it as a sign that they can dump on you any time they please.

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