RIBO Level 1 Exam Prep Course 2026

About Course

The complete preparation course for the RIBO Level 1 (Entry-Level Broker) examination in Ontario, rebuilt for 2026. Eleven modules follow the order in which a new broker actually needs the knowledge: the principles, the regulated broker, advising and claims, then habitational, automobile, commercial and travel — weighted exactly like the exam (25 / 25 / 25 / 20 / 5).

Every one of the 2,004 questions was written for this edition and checked against the 2026 rules: the 1 July 2026 accident-benefits reform (only medical, rehabilitation and attendant care remain mandatory, OPCF 47R, auto pays first), the OPCF 49 DCPD waiver, Level 2 through CAIB or CIP since 1 January 2026, the current RIBO CE and E&O requirements. Each question carries a two-step hint and a written explanation of why the right answer is right.

The course ends with four full mock exams of 100 questions each, built from questions held back from the practice quizzes, so the first time you see them is under exam conditions. After each mock you get your score broken down by the five exam domains.

Independent study material. Not affiliated with or endorsed by RIBO or FSRA. Always confirm current rules with the regulator.

Sit the RIBO Level 1 exam ready for its real format: 100 scored + 15 pilot questions, 3 hours, 75% to pass
Master the five blueprint domains, weighted exactly as the exam weights them (25/25/25/20/5)
Know the 2026 changes cold: optional accident benefits since 1 July 2026, OPCF 47R, OPCF 49, Level 2 via CAIB/CIP
Understand why an answer is right — every question has a written explanation
Use a two-step hint (study pointer, then 50/50) when you are stuck in practice
Measure yourself on four unseen mock exams with a per-domain score breakdown

Course Content

Module 0 — Start Here
How the 2026 exam is built, how its questions are written, and the eight-week plan that gets you to 75%.

Lesson 0.1 — The RIBO Level 1 Exam in 2026
Lesson 0.2 — Reading the Blueprint: Competencies, Domains and Question Types
Lesson 0.3 — Your Eight-Week Plan and How to Use This Course
Diagnostic — Where You Stand Today

Module 1 — Insurance Foundations
Exam domain: General Insurance & the Regulated Broker (25% of the exam). Risk and hazard, the six principles, how the contract is formed and read, and who the players are in Ontario's market.

Lesson 1.1 — Risk, Peril, Hazard and Risk Management
Practice 1.1 — Risk, Peril, Hazard and Risk Management (Part 1 of 2)
Practice 1.1 — Risk, Peril, Hazard and Risk Management (Part 2 of 2)
Lesson 1.2 — The Principles of Insurance
Practice 1.2 — The Principles of Insurance (Part 1 of 2)
Practice 1.2 — The Principles of Insurance (Part 2 of 2)
Lesson 1.3 — The Insurance Contract: Formation, Binders, Representations and Warranties
Practice 1.3 — The Insurance Contract: Formation, Binders, Representations and Warranties
Lesson 1.4 — Anatomy of a Policy and the Statutory Conditions
Practice 1.4 — Anatomy of a Policy and the Statutory Conditions
Lesson 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets
Practice 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets (Part 1 of 2)
Practice 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets (Part 2 of 2)
Module 1 Checkpoint — Insurance Foundations

Module 2 — The Regulated Broker
Exam domain: General Insurance & the Regulated Broker (25% of the exam). RIBO and FSRA, the Level 1 licence, the code of conduct, trust money and E&O, privacy, CASL and fair treatment of customers.

Lesson 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies
Practice 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies (Part 1 of 2)
Practice 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies (Part 2 of 2)
Lesson 2.2 — Your Licence: Levels, Supervision, CE and Reporting
Practice 2.2 — Your Licence: Levels, Supervision, CE and Reporting (Part 1 of 2)
Practice 2.2 — Your Licence: Levels, Supervision, CE and Reporting (Part 2 of 2)
Lesson 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices
Practice 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices (Part 1 of 2)
Practice 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices (Part 2 of 2)
Lesson 2.4 — Trust Money, E&O, Fidelity and Records
Practice 2.4 — Trust Money, E&O, Fidelity and Records
Lesson 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers
Practice 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers (Part 1 of 2)
Practice 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers (Part 2 of 2)
Module 2 Checkpoint — The Regulated Broker

Module 3 — Advising and Claims
Exam domain: General Insurance & the Regulated Broker (25% of the exam). Needs analysis and documentation, how brokers get sued, the claims process, and the liability law every coverage question rests on.

Lesson 3.1 — Needs Analysis and Documenting Your Advice
Practice 3.1 — Needs Analysis and Documenting Your Advice
Lesson 3.2 — Errors and Omissions: How Brokers Get Sued
Practice 3.2 — Errors and Omissions: How Brokers Get Sued
Lesson 3.3 — Claims: The Broker’s Role from First Notice to Settlement
Practice 3.3 — Claims: The Broker’s Role from First Notice to Settlement
Lesson 3.4 — Liability Fundamentals: Negligence, Defence and Triggers
Practice 3.4 — Liability Fundamentals: Negligence, Defence and Triggers
Module 3 Checkpoint — Advising and Claims

Module 4 — Habitational I — Forms and Coverages
Exam domain: Personal Lines — Habitational (25% of the exam). Which form fits which client, the perils, Coverages A to D, exclusions and special limits, and the liability section.

Lesson 4.1 — The Habitational Forms and Who Gets Which
Practice 4.1 — The Habitational Forms and Who Gets Which (Part 1 of 2)
Practice 4.1 — The Habitational Forms and Who Gets Which (Part 2 of 2)
Lesson 4.2 — Named Perils, Broad and Comprehensive
Practice 4.2 — Named Perils, Broad and Comprehensive (Part 1 of 2)
Practice 4.2 — Named Perils, Broad and Comprehensive (Part 2 of 2)
Lesson 4.3 — Coverages A to D and the Additional Coverages
Practice 4.3 — Coverages A to D and the Additional Coverages (Part 1 of 2)
Practice 4.3 — Coverages A to D and the Additional Coverages (Part 2 of 2)
Lesson 4.4 — Exclusions, Special Limits and Scheduling
Practice 4.4 — Exclusions, Special Limits and Scheduling (Part 1 of 2)
Practice 4.4 — Exclusions, Special Limits and Scheduling (Part 2 of 2)
Lesson 4.5 — Liability: Coverage E and the Voluntary Coverages
Practice 4.5 — Liability: Coverage E and the Voluntary Coverages (Part 1 of 2)
Practice 4.5 — Liability: Coverage E and the Voluntary Coverages (Part 2 of 2)
Module 4 Checkpoint — Habitational I — Forms and Coverages

Module 5 — Habitational II — Risks and Solutions
Exam domain: Personal Lines — Habitational (25% of the exam). Water in all its forms, valuation and settlement, condos, tenants and landlords, underwriting the home, and the specialty endorsements.

Lesson 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water
Practice 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water (Part 1 of 2)
Practice 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water (Part 2 of 2)
Lesson 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance
Practice 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance (Part 1 of 2)
Practice 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance (Part 2 of 2)
Lesson 5.3 — Condominiums, Tenants and Landlords
Practice 5.3 — Condominiums, Tenants and Landlords (Part 1 of 2)
Practice 5.3 — Condominiums, Tenants and Landlords (Part 2 of 2)
Lesson 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use
Practice 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use (Part 1 of 2)
Practice 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use (Part 2 of 2)
Lesson 5.5 — Floaters, Watercraft, Earthquake and the Umbrella
Practice 5.5 — Floaters, Watercraft, Earthquake and the Umbrella (Part 1 of 2)
Practice 5.5 — Floaters, Watercraft, Earthquake and the Umbrella (Part 2 of 2)
Module 5 Checkpoint — Habitational II — Risks and Solutions

Module 6 — Automobile I — The Ontario System and the OAP 1
Exam domain: Personal Lines — Automobile (25% of the exam). Compulsory insurance and rate regulation, the eight sections of the OAP 1, liability, DCPD and OPCF 49, physical damage, rating and licensing.

Lesson 6.1 — The Ontario Auto System: Compulsory Insurance, FSRA, FA and MVACF
Practice 6.1 — The Ontario Auto System: Compulsory Insurance, FSRA, FA and MVACF (Part 1 of 2)
Practice 6.1 — The Ontario Auto System: Compulsory Insurance, FSRA, FA and MVACF (Part 2 of 2)
Lesson 6.2 — The OAP 1: Its Eight Sections and Third-Party Liability
Practice 6.2 — The OAP 1: Its Eight Sections and Third-Party Liability (Part 1 of 2)
Practice 6.2 — The OAP 1: Its Eight Sections and Third-Party Liability (Part 2 of 2)
Lesson 6.3 — DCPD, OPCF 49 and the Fault Determination Rules
Practice 6.3 — DCPD, OPCF 49 and the Fault Determination Rules (Part 1 of 2)
Practice 6.3 — DCPD, OPCF 49 and the Fault Determination Rules (Part 2 of 2)
Lesson 6.4 — Uninsured Automobile and Section 7 Physical Damage
Practice 6.4 — Uninsured Automobile and Section 7 Physical Damage (Part 1 of 2)
Practice 6.4 — Uninsured Automobile and Section 7 Physical Damage (Part 2 of 2)
Lesson 6.5 — Rating, Underwriting and Graduated Licensing
Practice 6.5 — Rating, Underwriting and Graduated Licensing (Part 1 of 2)
Practice 6.5 — Rating, Underwriting and Graduated Licensing (Part 2 of 2)
Module 6 Checkpoint — Automobile I — The Ontario System and the OAP 1

Module 7 — Automobile II — Accident Benefits 2026 and the OPCFs
Exam domain: Personal Lines — Automobile (25% of the exam). The July 2026 accident benefits reform, benefit amounts and optional increases, tort and the LAT, every OPCF that matters, and vehicles beyond the family car.

Lesson 7.1 — Accident Benefits After 1 July 2026: Mandatory, Optional and OPCF 47R
Practice 7.1 — Accident Benefits After 1 July 2026: Mandatory, Optional and OPCF 47R (Part 1 of 2)
Practice 7.1 — Accident Benefits After 1 July 2026: Mandatory, Optional and OPCF 47R (Part 2 of 2)
Lesson 7.2 — Accident Benefits: Amounts, the MIG, Catastrophic Impairment and Optional Increases
Practice 7.2 — Accident Benefits: Amounts, the MIG, Catastrophic Impairment and Optional Increases (Part 1 of 2)
Practice 7.2 — Accident Benefits: Amounts, the MIG, Catastrophic Impairment and Optional Increases (Part 2 of 2)
Lesson 7.3 — Tort, Priority and Disputes at the Licence Appeal Tribunal
Practice 7.3 — Tort, Priority and Disputes at the Licence Appeal Tribunal (Part 1 of 2)
Practice 7.3 — Tort, Priority and Disputes at the Licence Appeal Tribunal (Part 2 of 2)
Lesson 7.4 — The OPCF Endorsements
Practice 7.4 — The OPCF Endorsements (Part 1 of 2)
Practice 7.4 — The OPCF Endorsements (Part 2 of 2)
Lesson 7.5 — Beyond the Family Car: Motorcycles, Trailers, Motorhomes, Off-Road and Gig Driving
Practice 7.5 — Beyond the Family Car: Motorcycles, Trailers, Motorhomes, Off-Road and Gig Driving (Part 1 of 2)
Practice 7.5 — Beyond the Family Car: Motorcycles, Trailers, Motorhomes, Off-Road and Gig Driving (Part 2 of 2)
Module 7 Checkpoint — Automobile II — Accident Benefits 2026 and the OPCFs

Module 8 — Commercial Lines
Exam domain: Commercial Lines (20% of the exam). Commercial property and COPE, business interruption, equipment breakdown and crime, the CGL, specialty liability, construction and surety, commercial auto and the OAP 4.

Lesson 8.1 — Commercial Property: Forms, COPE, Valuation and Coinsurance
Practice 8.1 — Commercial Property: Forms, COPE, Valuation and Coinsurance (Part 1 of 2)
Practice 8.1 — Commercial Property: Forms, COPE, Valuation and Coinsurance (Part 2 of 2)
Lesson 8.2 — Business Interruption, Equipment Breakdown and Crime
Practice 8.2 — Business Interruption, Equipment Breakdown and Crime (Part 1 of 2)
Practice 8.2 — Business Interruption, Equipment Breakdown and Crime (Part 2 of 2)
Lesson 8.3 — The Commercial General Liability Policy
Practice 8.3 — The Commercial General Liability Policy (Part 1 of 3)
Practice 8.3 — The Commercial General Liability Policy (Part 2 of 3)
Practice 8.3 — The Commercial General Liability Policy (Part 3 of 3)
Lesson 8.4 — Specialty Liability: E&O, D&O, EPLI, Cyber, Pollution and Umbrella
Practice 8.4 — Specialty Liability: E&O, D&O, EPLI, Cyber, Pollution and Umbrella (Part 1 of 2)
Practice 8.4 — Specialty Liability: E&O, D&O, EPLI, Cyber, Pollution and Umbrella (Part 2 of 2)
Lesson 8.5 — Construction, Surety, Cargo and Marine
Practice 8.5 — Construction, Surety, Cargo and Marine (Part 1 of 2)
Practice 8.5 — Construction, Surety, Cargo and Marine (Part 2 of 2)
Lesson 8.6 — Commercial Auto, Fleets, Non-Owned Auto and the OAP 4 Garage Policy
Practice 8.6 — Commercial Auto, Fleets, Non-Owned Auto and the OAP 4 Garage Policy (Part 1 of 2)
Practice 8.6 — Commercial Auto, Fleets, Non-Owned Auto and the OAP 4 Garage Policy (Part 2 of 2)
Module 8 Checkpoint — Commercial Lines

Module 9 — Travel Health
Exam domain: Travel Health (5% of the exam). Why Ontarians need it, how it coordinates with OHIP and group plans, the stability clause and medical questionnaire, and trip cancellation.

Module 10 — Mock Exams and Final Review
Four full 100-question simulations weighted exactly like the real paper, four speed rounds, and how to sit the exam.

Lesson 10.1 — Final Review and Exam-Day Strategy
Mock Exam 1 — Full Exam Conditions
Speed Round 1 — 25 Questions
Mock Exam 2 — Full Exam Conditions
Speed Round 2 — 25 Questions
Mock Exam 3 — Full Exam Conditions
Speed Round 3 — 25 Questions
Mock Exam 4 — Full Exam Conditions
Speed Round 4 — 25 Questions

About Course

What Will You Learn?

Course Content

Module 0 — Start Here How the 2026 exam is built, how its questions are written, and the eight-week plan that gets you to 75%.

Lesson 0.1 — The RIBO Level 1 Exam in 2026

Lesson 0.2 — Reading the Blueprint: Competencies, Domains and Question Types

Lesson 0.3 — Your Eight-Week Plan and How to Use This Course

Diagnostic — Where You Stand Today

Module 1 — Insurance Foundations Exam domain: General Insurance & the Regulated Broker (25% of the exam). Risk and hazard, the six principles, how the contract is formed and read, and who the players are in Ontario's market.

Lesson 1.1 — Risk, Peril, Hazard and Risk Management

Practice 1.1 — Risk, Peril, Hazard and Risk Management (Part 1 of 2)

Practice 1.1 — Risk, Peril, Hazard and Risk Management (Part 2 of 2)

Lesson 1.2 — The Principles of Insurance

Practice 1.2 — The Principles of Insurance (Part 1 of 2)

Practice 1.2 — The Principles of Insurance (Part 2 of 2)

Lesson 1.3 — The Insurance Contract: Formation, Binders, Representations and Warranties

Practice 1.3 — The Insurance Contract: Formation, Binders, Representations and Warranties

Lesson 1.4 — Anatomy of a Policy and the Statutory Conditions

Practice 1.4 — Anatomy of a Policy and the Statutory Conditions

Lesson 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets

Practice 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets (Part 1 of 2)

Practice 1.5 — The Market: Insurers, Distribution, Reinsurance and the Safety Nets (Part 2 of 2)

Module 1 Checkpoint — Insurance Foundations

Module 2 — The Regulated Broker Exam domain: General Insurance & the Regulated Broker (25% of the exam). RIBO and FSRA, the Level 1 licence, the code of conduct, trust money and E&O, privacy, CASL and fair treatment of customers.

Lesson 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies

Practice 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies (Part 1 of 2)

Practice 2.1 — Who Regulates What: RIBO, FSRA and the National Bodies (Part 2 of 2)

Lesson 2.2 — Your Licence: Levels, Supervision, CE and Reporting

Practice 2.2 — Your Licence: Levels, Supervision, CE and Reporting (Part 1 of 2)

Practice 2.2 — Your Licence: Levels, Supervision, CE and Reporting (Part 2 of 2)

Lesson 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices

Practice 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices (Part 1 of 2)

Practice 2.3 — The Code of Conduct: Disclosure, Conflicts and Prohibited Practices (Part 2 of 2)

Lesson 2.4 — Trust Money, E&O, Fidelity and Records

Practice 2.4 — Trust Money, E&O, Fidelity and Records

Lesson 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers

Practice 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers (Part 1 of 2)

Practice 2.5 — Privacy, CASL, Fraud and Fair Treatment of Customers (Part 2 of 2)

Module 2 Checkpoint — The Regulated Broker

Module 3 — Advising and Claims Exam domain: General Insurance & the Regulated Broker (25% of the exam). Needs analysis and documentation, how brokers get sued, the claims process, and the liability law every coverage question rests on.

Lesson 3.1 — Needs Analysis and Documenting Your Advice

Practice 3.1 — Needs Analysis and Documenting Your Advice

Lesson 3.2 — Errors and Omissions: How Brokers Get Sued

Practice 3.2 — Errors and Omissions: How Brokers Get Sued

Lesson 3.3 — Claims: The Broker’s Role from First Notice to Settlement

Practice 3.3 — Claims: The Broker’s Role from First Notice to Settlement

Lesson 3.4 — Liability Fundamentals: Negligence, Defence and Triggers

Practice 3.4 — Liability Fundamentals: Negligence, Defence and Triggers

Module 3 Checkpoint — Advising and Claims

Module 4 — Habitational I — Forms and Coverages Exam domain: Personal Lines — Habitational (25% of the exam). Which form fits which client, the perils, Coverages A to D, exclusions and special limits, and the liability section.

Lesson 4.1 — The Habitational Forms and Who Gets Which

Practice 4.1 — The Habitational Forms and Who Gets Which (Part 1 of 2)

Practice 4.1 — The Habitational Forms and Who Gets Which (Part 2 of 2)

Lesson 4.2 — Named Perils, Broad and Comprehensive

Practice 4.2 — Named Perils, Broad and Comprehensive (Part 1 of 2)

Practice 4.2 — Named Perils, Broad and Comprehensive (Part 2 of 2)

Lesson 4.3 — Coverages A to D and the Additional Coverages

Practice 4.3 — Coverages A to D and the Additional Coverages (Part 1 of 2)

Practice 4.3 — Coverages A to D and the Additional Coverages (Part 2 of 2)

Lesson 4.4 — Exclusions, Special Limits and Scheduling

Practice 4.4 — Exclusions, Special Limits and Scheduling (Part 1 of 2)

Practice 4.4 — Exclusions, Special Limits and Scheduling (Part 2 of 2)

Lesson 4.5 — Liability: Coverage E and the Voluntary Coverages

Practice 4.5 — Liability: Coverage E and the Voluntary Coverages (Part 1 of 2)

Practice 4.5 — Liability: Coverage E and the Voluntary Coverages (Part 2 of 2)

Module 4 Checkpoint — Habitational I — Forms and Coverages

Module 5 — Habitational II — Risks and Solutions Exam domain: Personal Lines — Habitational (25% of the exam). Water in all its forms, valuation and settlement, condos, tenants and landlords, underwriting the home, and the specialty endorsements.

Lesson 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water

Practice 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water (Part 1 of 2)

Practice 5.1 — Water: Escape, Sewer Backup, Overland and Ground Water (Part 2 of 2)

Lesson 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance

Practice 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance (Part 1 of 2)

Practice 5.2 — Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance (Part 2 of 2)

Lesson 5.3 — Condominiums, Tenants and Landlords

Practice 5.3 — Condominiums, Tenants and Landlords (Part 1 of 2)

Practice 5.3 — Condominiums, Tenants and Landlords (Part 2 of 2)

Lesson 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use

Practice 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use (Part 1 of 2)

Practice 5.4 — Underwriting the Home: Occupancy, Vacancy and Business Use (Part 2 of 2)

Lesson 5.5 — Floaters, Watercraft, Earthquake and the Umbrella