This is an automated archive made by the Lemmit Bot.

The original was posted on /r/cars by /u/FMLLP on 2025-07-16 20:20:30+00:00.

Picture this: your next insurance bill isn’t just based on your age or where you live, it is shaped by how, when, and how far you drive, tracked in real time by an app on your phone. For years, Ontario drivers have been enticed by usage-based insurance (UBI) programs that promised discounts for safe driving, with the reassurance that their premiums could never go up. That safety net is gone. In a regulatory shift, Ontario’s Financial Services Regulatory Authority (FSRA) now allows insurers to use telematics data not just to reward, but also to penalize, drivers. The result? Your driving habits could now save – or cost – you more than ever before.