Auto insurance is mandatory to operate a vehicle in Ontario. FSRA is taking steps to ensure that all consumers can get the best product at the best price available when they purchase or renew their auto insurance policy.

Take-All-Comers Guidance:

FSRA’s “Take-All-Comers” guidance helps to prevent activities that prevent or frustrate consumers efforts to purchase or renew their auto insurance when they would otherwise qualify for a quote or renewal. For example, insurers are required by law to offer the lowest rate available for each consumer’s circumstances and must accept all auto insurance business from consumers that meet their approved rules.

Thematic review:

Early in our mandate as the new regulator, FSRA became aware of certain business practices being used which appeared to contravene the Take-All-Comers requirement. We undertook a broad thematic review which included public consultations, insurer examinations and a regulatory self-assessment.

Our review confirmed that there was intentional non-compliance industry-wide. Instead of filing new underwriting rules for approval by FSRA, insurers chose to engage in non-transparent and illegal practices that made it more difficult for certain types of consumers to get auto insurance quotes. This systemic non-compliance led to consumer harms, unfair competition, and diminished market health.

Read FSRA’s thematic review to learn how FSRA addressed Take-All-Comers non-compliance to better protect consumers.


FSRA will continue to supervise insurers to ensure compliance with the “Take-All-Comers” requirement.

FSRA can take a variety of regulatory enforcement actions, depending on the nature and severity of the non-compliance. Reponses to misconduct can range from education and remediation action to regulatory intervention. This includes administrative monetary penalties, as well as other sanctions such as License Revocation, Conditional Licenses or Compliance Orders, to influence marketplace behaviour.

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