As of July, some benefits that were previously mandatory under standard car insurance policies will be optional. This could drop the cost of premiums for customers who opt out of certain coverages, but insurance experts warn against leaving coverage exposed to risk.

The threat of a glacial lake overflowing and potentially sending a torrent of meltwater and debris rushing toward homes has become an annual fear for people living near British Columbia’s Place Glacier. But experts says this is an increasing risk as the effects of human-caused climate change hit Canada’s glaciers hard.