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

The five most common policy endorsements are:


Rented or leased vehicles (OPCF 5):

This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.


Transportation replacement (OPCF 20):

This coverage, also referred to as “Loss of use,” covers the cost of a rental vehicle while you replace or repair your vehicle, if the damage or loss is caused by a peril for which you are insured.


Liability for damage to non-owned automobile(s) and other coverages (OPCF 27):

This endorsement provides physical damage coverage to vehicles you may operate but do not personally own, such as a vehicle that you have rented or borrowed. It is subject to a deductible. It also provides liability, accident benefits, uninsured automobile and direct compensation-property damage coverages in specific circumstances.


Removing depreciation deduction (OPCF 43):

This coverage removes the insurer’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured. For new vehicles only, coverage is usually available for up to 24 or 30 months.


Family protection coverage (OPCF 44R):

This coverage protects you, or an eligible member of your family, to the same limits as your third-party liability coverage if you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance or is an unidentified driver (e.g., hit and run).

Please keep in mind that these are only some of the many policy endorsements available for purchase. Ask your broker, agent or insurance company which policy endorsements would benefit you.