OPCF: Ontario Policy Change Forms

Question 1

What is OPCF 5?

Answer 1

Permission to Rent or lease automobiles

Question 2

What does OPCF 5 cover?

Answer 2

Provides coverage to the lessee as if they were the named insured.

Any payment is made to the lessor, not the named insurer.

Also requires insurer to notify the lessor of any reduction of coverage or cancelation

This coverage is automatic at no cost.

Question 3

What is OPCF 20

Answer 3

Coverage for transportation replacement

Question 4

What coverage is in OPCF20?

Answer 4

Often referred to as the Loss of Use endorsement. Pays for transportation replacement (rental vast, taxi, Public transit) when the described vehicle is in the shop for something covered by section 7 - Loss or Damage Coverage. Dispenses with the 72 hope waiting period for theft and allows the insured to carry a higher limit than $900, if desired.

Question 5

What is OPCF 23A?

Answer 5

Lienholder Protection

Question 6

What coverage does OPCF 23A provide?

Answer 6

Provides protection for the lienholder’s interest. Any payment is made jointly to both the named insured and to the lienholder. Also requires the insurer to send a copy of all cancellation notices to the lienholder.
This is automatically applied at no cost

Question 7

What is OPCF 32?

Answer 7

Use of Recreational Vehicles by Unlicensed Operators

Question 8

What coverage is in OPCF 32

Answer 8

Examples of recreational vehicles include snowmobiles and all-terrain vehicles (ATV). Allows those not authorized by law (no drivers license) to drive these vehicles. Specific to driving off of public roads and highways. (Private property) country kids coverage.

Question 9

What is OPCF 43?

Answer 9

Removing Depreciation Deduction

Question 10

What coverage does OPCF 43 provide?

Answer 10

In the event of a claim, the insurer agrees not to deduct the depreciation for 24 months.

Question 11

What is OPCF 44R?

Answer 11

Family Protection Coverage

Question 12

What coverage does OPCF 44R include?

Answer 12

Provides coverage to you or an eligible member of your family to the same liability coverage. Limits you carry when you or They are involved in an accident with an atfault driver who carries inadequate amount of liability coverage. will also cover any excess judgment not covered by your uninsured automobile coverage when you’re hit by an uninsured. Or an identified automobile. and no event. Will you receive more than your liability coverage limits from all sources. (Under insured motorist coverage)

Question 13

What is OPCF 6A?

Answer 13

Permission to Carry Paying Passengers

Question 14

What does OPCF 6A cover?

Answer 14

Remove the general exclusion of using your vehicle to carry paying passengers. (Driving clients, eg uber)

Question 15

What is OPCF 16?

Answer 15

Suspension of Coverage

Question 16

What coverage is in OPCF 16?

Answer 16

Delete certain road coverages on the described vehicle but maintain portable coverage. Minimum of forty five days require to see premium savings.
(Seasonal vehicles/Snowbirds)

Question 17

What is OPCF 27?

Answer 17

Liability for damage to non owned automobiles.

Question 18

What coverages is in OPCF 27?

Answer 18

Extends section 7- Loss or damage coverages to an other automobile (rental car) included

Question 19

What is OPCF 28A?

Answer 19

Excluded driver

Question 20

What coverage does OPCF 28A provide?

Answer 20

Except for certain accidental benefits, there is no coverage to drive describe vehicle.

Question 21

What is OPCF 48?

Answer 21

Added coverage to offset Tort Deductible

Question 22

What coverage is in OPCF 48?

Answer 22

Reduces the deductible associated with the court awards for pain and suffering by $10,000 for an insured person and $5,000 for a claimant under the Family Law Act. There is a $39,556.53 deductible on Judgment under $131,854.01 for an insured. There is a $19,778.27 deductible on Judgment under $65,926.46 for the insured’s family.

Question 23

What is OPF 2?

Answer 23

Ontario Driver’s Policy

Question 24

What coverage is in OPF 2?

Answer 24

For people who drive other people’s vehicle but do not carry insurance of their own vehicle. It provides backup coverage in the event they Drive an uninsured vehicle or one. With a low liability limits. It would also become primary coverage for an excluded driver when Driving the vehicle he is excluded on.

Question 25

What is OAP 4?

Answer 25

Ontario Garage Automobile Policy

Question 26

What does OAP 4 cover?

Answer 26

Covers risk engaged in sales repair or service to vehicle.

Question 27

What is SPF 6?

Answer 27

Standard Non-Owned automobile Policy

Question 28

What does SPF 6 cover?

Answer 28

Covers employees when they are held responsible for damages caused by employees using their own vehicles on company business. (Pizza delivery drivers)