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Did You Know? – May 20, 2009

May 20, 2009

The scenario: You’re in another city on business and rented a car for the week. After a meeting, you’ve returned to the spot where you parked the car only to discover it’s gone. Turns out somebody stole the car. You’re already picturing the fit the customer service representative is going to have when you go back to the rental location to explain …

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

The form: The OPCF 27 is the right choice for this scenario. Also known as the “Legal Liability for Damage to Non Owned Autos”, the OPCF 27 provides you with physical damage coverage (collision and comprehensive coverage) for you and your spouse, including all listed drivers on your policy, in the event of loss or damage caused to all rented and non-owned vehicles.

Details of the OPCF 27 include:

  • This form will extend your policy to cover third-party liability, accident benefits, uninsured automobile and direct compensation-property damage coverage whenever driving the rented vehicle.
  • The OPCF 27 will cover you anywhere in Canada and the continental United States.
  • You will need to already have physical damage coverage on your auto insurance policy in order to purchase the OPCF 27.
  • This form carries a policy limit ranging between $25,000 and $50,000.
  • The cost of the OPCF 27 ranges from $30 to $50 for a one-year policy term.
  • Gabriele Forrester

    This article states OPCF 27 covers Canada and Continental US. I have a Form B Physical Damage extension from my Insurance Co.” Zenith Ins.” and they told me we are covered in All of US incl. HAWAII.
    The form is dated Aug.1, 2005 and has my Pol no. on it, which means we have automatic coverage, no extra premium.
    Can you comment on this? I want to make sure we are covered.
    Thank you,
    Gabriele Forrester

  • Nick – InsuranceHotline.com

    Hello Gabriele,

    You are correct. The Ontario Auto policy no longer excludes Hawaii.

    Thank you.

  • wayne

    opcf 27 – I have this cover on my automobile – I have had a good look at the wording, I can not for the life of me see where or why it would not cover a motorcycle rental?
    Contray to what my insurer is saying.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    The exclusion is in the title of the endorsement. “Liability for Damage to Non Owned Automobiles).
    Automobiles NOT Motorcycles.

    Thank you

  • Bruno

    Can one purchase OPCF without actually having its own car?

  • Ana

    I have a credit card that covers CDW “Collision Damage Waiver”. Do I need to have the OPCF 27 in this case? If yes, how these two items (CDW & OPCF 27) are different? Which one has more coverage?

  • InsuranceHotline

    Both options are very similar. You will have to compare what your insurance company’s limit is on the OPCF 27 and what the limit is on the CDW that your credit card offers. you should also confirm any restrictions that both may have.