Whenever you get behind the wheel of a car, it is possible that you may cause damage to other people's property, or injure – or even kill – yourself, other drivers, passengers or pedestrians.

Mandatory Insurance Coverage

Most people don't have the money to pay for the losses (property damage, injury, death) they might cause while driving, so governments require drivers to carry a certain amount of insurance to cover any losses they might cause others to suffer (Liability).

Some governments, including those of every province and territory in Canada, also require drivers to carry coverage for their own medical expenses and loss of income resulting from driving-related injuries (Accident Benefits/Bodily Injury or AB/BI)

Optional Insurance Coverage

You can also voluntarily purchase additional insurance for your car, including:

• Coverage for damage to your car (Collision)
• Protection against theft, vandalism and other perils (Comprehensive)
• There are other Ontario Endorsements available to the insured's upon qualification are follows:

Other Optional Enhancements To Your Coverage

Additional optional enhancements, also known as policy endorsements or Ontario Policy Change Forms (OPCFs), are special agreements that allow you to change, add, or reduce the amount of coverage for certain situations.

1. Rented or Leased Vehicles (OPCF 5): This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.

2. Loss of Vehicle Use (OPCF 20): This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.

This coverage is offered with different limits that may vary from $600/- to $1500/ with -. Ask your insurance advisor  for the offering and choose that option that fits your needs

3. Liability for Damage to Non-Owned Automobile(s) (OPCF 27): This endorsement provides physical damage coverage to vehicles that you may operate but do not personally own – such as a vehicle that you have rented or borrowed – subject to a deductible.

Brochures.pdf

Please see and choose the right text and place it with this endorsement in the most appropriate way.

4. What does OPCF 16 on an auto policy cover and when should it be offered to an insured?

You seem to be referring to a type of Ontario, Canada endorsement one can place on their personal auto insurance policy. OPCF stands for Ontario Policy Change Forms, formerly referred to as OEF for Ontario Endorsement Forms, according to the My Insurance Broker.

Additional optional enhancements, also known as policy endorsements or OPCFs, are special agreements that allow you to change, add or reduce the amount of coverage for certain situations.

OPCF 16 and OPCF 17 are related so let's look at them both.

OPCF 16 and OPCF 17 are endorsements for the Suspension of Coverage and Reinstatement of Coverage on a vehicle you have listed on your Ontario personal auto insurance policy.

These policy change forms provide for the suspension and later reinstatement of coverage in the event the automobile described in your policy is laid up (off the roadway) for a period of not less than 45 days. The advantage of the OPCF 16 over the normal deletion of coverage is that the policy continues to provide certain Third Party Liability, Accident Benefits and Uninsured Automobile coverage while the described automobile is in storage.

The OPCF 16 endorsement allows one to retain underlying coverages when a vehicle is temporarily suspended from a policy. OPCF is thus referred to as the Suspension of Coverage Endorsement while OPCF is the Reinstatement of Coverage Endorsement since it reinstates the suspended vehicle back onto your policy. Once the car is out of suspension more coverage is put back on it and thus your rates would go up.

So the OPCF 16 suspends or cancels certain coverages from a car. The OPCF 17 then reinstates the coverages cancelled by the OPCF 16 endorsement.

If you have already paid for coverages that will be suspended than the once the OPCF is in place you would receive a refund. The form states that in return of the refund you agree to that the described automobile will be continuously taken out of use and not operated as of the effective date of this policy change.

The OPCF would normally be offered to insureds that are taking a car off the roadway, per the endorsement it would have to be for more than 45 days. It could be they are going overseas and putting the car in storage to travel, the car is inoperable and they know they will not fix it for some time or maybe it is a car only used in the summer or winter time.

For example if an insured's car is not used in winter their insurance representative could see about arranging a suspension of coverage endorsement (OPCF 16). This stops the Third-Party Liability and Collision coverage. Accident Benefits coverage (when you're a passenger in someone else's car or a pedestrian) and coverage for fire, theft, vandalism damage, etc. would still be provided while the insured stores their vehicle for the winter.

5. EXCLUDED DRIVER ENDORSEMENT (OPCF-28A)

The My Insurance Broker has clarified the use of an endorsement which can be added to your insurance policy.

The Excluded Driver Endorsement (Ontario Policy Change Form, OPCF 28A) has been available but not usually offered, by insurance companies. Effective for policies issued or renewed on or after June 1 2005, My Insurance Broker has mandated that insurance companies must offer this endorsement, that it is no longer optional.

The Insurance Act states that the named insured (policy owner) may sign an endorsement which effectively excludes any driver from their insurance policy.

The owner and excluded driver sign a standardized form, which state