Over 3 million insurance quotes
Enter your postal code

Did You Know – June 25, 2009

June 25, 2009

The scenario: Your kid has bad driving habits, so you’ve pulled driving
privileges. Yet your policy requires that all drivers within the
household are insured on your policy. How do you overcome increases in
your insurance rate when you know junior won’t be driving?

So what Ontario Policy Change Form (OPCF) provides you with the ability to remove extra insurance from your Ontario auto policy coverage for this situation?

The form: OPCF 28A

What is an OPCF?

  • OPCF stands for “Ontario Policy Change Form.”  
  • OPCFs are special agreements that allow you to change, add or reduce the amount of insurance coverage for certain situations on your Ontario auto insurance policy.

Details of the OPCF 28A include:

  • This form is also known as the “Excluded Driver Endorsement”
  • The OPCF 28A allows the automobile owner (the policy holder) to exclude a driver from being insured on the described automobile.  
  • By signing the OPCF 28A, the insurance company waives the premium charge for the excluded driver on the described automobile.
  • By signing the OPCF 28A, the policyholder agrees that if the excluded driver drives the described automobile:


1.  There is no coverage under the policy for property damage and bodily injury.

2.  There is no coverage under the policy for damage to the automobile.

3.  There is no coverage under the policy for most accident benefits.

4.  The excluded driver may be charged for driving without insurance.

5.  You and the excluded driver and policy holder may be held personally liable for bodily injury or damages caused by the excluded driver.

6.  The policy may be cancelled if the excluded driver is caught driving the described automobile.

7.  In future the policyholder and excluded driver may have more difficulty finding car insurance and it will likely cost more.

Get Your Car Ready For The Winter

Get Your Car Ready For The WinterToo often the fall season feels like winter. But, we do live in Canada where the weather can be wacky, weird and at times, out of sync with our expectations which is why it’s never too early to make sure your car is ready for the winter roads ahead. Read more »

Long Weekend Safe Driving Tips

Long Weekend Safe Driving TipsThere are two things you can bank on this long weekend: traffic (and lots of it) and a heavy police presence on the roads looking for drivers who are impaired, distracted, behaving aggressively, or not wearing their seat belts. Don’t get caught…in traffic or by police this weekend with these 15 long weekend safe driving tips. Read more »

Gobble Up Savings On Your Car Insurance

Gobble Up Savings On Your Car InsuranceDon’t let auto insurance premiums eat away at your savings. Stuff your wallet with these money saving car insurance tips. Read more »