Ontario Auto Policy Opcf's

Front 1

OPCF 2 - Providing coverage when named persons drive other automobiles

Back 1

Providing coverage when named persons drive other automobiles - Limited to named insured and his/her spouse

Front 2

OPCF 3 - Drive government automobiles

Back 2

Drive government automobiles - To drive a vehicle owned by national/provincial levels. Gov't vehicles are exempt from the mandatory insurance requirements.

Front 3

OPCF 4A - Drive government automobiles

Back 3

Drive government automobiles - provides coverage to carry specified explosives

Front 4

OPCF 4B - Permission to carry radioactive explosives

Back 4

Permission to carry radioactive explosives -

Front 5

OPCF 5 - Permission to rent or lease automobiles and extending coverage to specified lessee(s)

Back 5

Permission to rent or lease automobiles and extending coverage to specified lessee(s) - provides coverage to the lessee as if the lessee was the named insured and every other person who uses or operates the auto with consent.

Front 6

OPCF 5c - Permission to rent or lease

Back 6

Permission to rent or lease - gives the lessor permission to lease the auto to the applicant. (short term leases only)

Front 7

OPCF 5D - Conversion coverage (rented or leased autos)

Back 7

Conversion coverage (rented or leased autos) - The insurance company will not pay a claim resulting from a dishonest claim of ownership, illegal disposal, or theft of the auto by anyone who has legal possession of it under a written agreement EXCEPT a lease

Front 8

OPCF 6A - Permission to carry paying passengers

Back 8

Permission to carry paying passengers -

Front 9

OPCF 6B - School Bus

Back 9

School Bus - permits carrying passenger for compensation for school purposes

Front 10

OPCF 6C - Public Passenger Vehicles

Back 10

Public Passenger Vehicles - permits carrying passenger for compensation or hire and sets out limits of liability that are available

Front 11

OPCF 6D - Driving training school

Back 11

Driving training school - permits carrying passengers for compensation or hire, but for driver training school purposes only

Front 12

OPCF 6F - Public passenger vehicles (combined limits)

Back 12

Public passenger vehicles (combined limits) - permits the use of the vehicle to carry passengers for compensation or hire only

Front 13

OPCF 7 - Separate Limits

Back 13

Separate Limits - separates and specifies the limits under the liability coverage afforded in Section 3

Front 14

OPCF 8 - Property damage reimbursement

Back 14

Property damage reimbursement - makes insured responsible for part or all of any loss or damage to other peoples property

Front 15

OPCF 9 - Marine use excluded

Back 15

Marine use excluded - excludes loss or damage occurring while the auto is on or in water or during the launching or landing process

Front 16

OPCF 13C - Restricting glass coverage

Back 16

Restricting glass coverage - restricts the coverage for glass damage to losses caused by perils listed in the endorsement

Front 17

OPCF 16 - Suspension of coverage

Back 17

Suspension of coverage - suspends certain coverages for a specific period of time (vehicle parked for winter)

Front 18

OPCF 17 - Reinstatement of coverage

Back 18

Reinstatement of coverage - reverses the action of OPCF 16

Front 19

OPCF 19 - Limiting the amount paid for loss or damages

Back 19

Limiting the amount paid for loss or damages - insurer shall not pay more than the Actual Cash Value of the insured vehicle or amount specified (high value vehicles, vans, motor homes, ATV's, snowmobiles, etc.)

Front 20

OPCF 20 - Coverage for transportation replacement

Back 20

Coverage for transportation replacement - for any insured loss under section 7 provides transportation replacement (rental car, bus tickets, cab fares etc.) up to a specified coverage limit

Front 21

OPCF 21A - Monthly reporting basis fleet

Back 21

Monthly reporting basis fleet - provides coverage for vehicles that are leased for more than 30 days. Vehicles must be listed and statements of receipts or mileage must be submitted to the insurer on a monthly basis

Front 22

OPCF 21B - Blanket fleet coverage to Ontario licensed automobiles

Back 22

Blanket fleet coverage to Ontario licensed automobiles - used to insure automobile fleets and provides another method of identify what autos are covered

Front 23

OPCF 22 - Damage to property of passengers

Back 23

Damage to property of passengers - provides coverage to the property of passengers as if it belongs to the insured

Front 24

OPCF 23A- Lienholder Protection

Back 24

Lienholder Protection - provides protection for the lienholders interest In the insured auto (claim payment shall be made jointly to insured and lienholder)

Front 25

OPCF 23B - Mortgage (Broad Form)

Back 25

Mortgage - provides a greater measure of protection for the lienholder or mortgagee than 23A

Front 26

OPCF 27 - Liability for damage to non-owned atuos and providing coverage when insured drives other autos

Back 26

Liability for damage to non-owned atuos and providing coverage when insured drives other autos - extends coverage to a non-owned auto including its equipment resulting for the care, custody or control of the non-owned auto by an insured person and persons named in the endorsement

Front 27

OPCF 28 - Reducing coverage for named persons

Back 27

Reducing coverage for named persons - reduces coverages, limits of liability and loss of damage for specified named persons

Front 28

OPCF 28A - Excluded Driver

Back 28

Excluded driver - allows for specific individuals to be excluded from coverage under the auto policy, other than for certain AB coverage

Front 29

OPCF 32 - Use of Rec. Vehicles by unlicensed operators

Back 29

Use of Rec. Vehicles by unlicensed operators - allows someone under the age of 16 to be insured while operating such a vehicle off a public highway (snowmobile, trail bike, mini-auto, motor scooter, mini-cycle, moped, ATV's etc.)

Front 30

43 - Removing Depreciation deduction

43A - " " for specified Lessee(s)

Back 30

43 - The insured must be the original purchaser of the vehicle~ brand new (applicable for 24 months) insurer agrees not to deduct for depreciation in event of a loss

43A - Same as above but applicable to new leased autos

Front 31

OPCF 44R - Family Protection Endorsement

Back 31

Family Protection Endorsement - will indemnify an eligible claimant for the amount that he or she is legally entitled to recover from an inadequately insured or uninsured motorist.