All cheques are now payable to Financial Services Regulatory Authority of Ontario or FSRA.


Please note that by law, you must use the following forms only. According to Regulation 7/00 (Unfair or Deceptive Acts or Practices), using any document other than those approved by the CEO is considered a deceptive practice or act. The only exception is if nothing in the substitute document affects the policy, or has been calculated to mislead a client.

Current forms

If you need a document that is not listed here, please contact us at: [email protected].

OAP 1: Ontario Automobile Policy Owner's Policy

This policy sets out the rights and obligations of the insured, and of their insurance company, related to coverage, and the terms and conditions of that coverage.

Mandatory coverages are:

  • Liability
  • Accident benefits
  • Direct compensation – property damage
  • Uninsured automobile

Optional coverage includes:

OAF 1: Ontario Application for Automobile Insurance Owner's Form

O.P.F. 2: Ontario Driver's Policy

O.A.F. 2: Ontario Application for Automobile Insurance Driver's Form

OPCF 2: Providing Coverage When Named Persons Drive Other Automobiles or Rent or Lease Other Automobiles

OPCF 3: Drive Government Automobiles

OPCF 5: Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s)​

OPCF 5C: Permission to Rent or lease (unspecified lessees- short term leases only)​

OPCF 16: Suspension of Coverage

OPCF 17: Reinstatement of Coverage

OPCF 20: Coverage for Transportation Replacement

OPCF 21A: Monthly Basis Reporting Fleet (Applicable to Ontario licensed automobiles)

OPCF 21B: Blanket Fleet Coverage for Ontario Licenced Automobiles

OPCF 23B - Mortgage (broad form)

OPCF 25A: Alteration

OPCF 27: Liability for Damage to Non-Owned Automobile(s) and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles​

OPCF 27B: Business Operations - Liability for Damage to Non-Owned Automobile(s) in Your Care, Custody or Control

OPCF 28: Reducing Coverage for Named Persons

OPCF 28A: Excluded Driver

OPCF 29: Additional Coverage For Named Person(s)

OPCF 38: Agreed Limit for Automobile Electronic Accessories and Equipment

OPCF 40: Fire Deductible​

OPCF 43: Removing Depreciation Deduction​

OPCF 43A: Removing Depreciation Deduction for Specified Lessee(s)​

OPCF 44R: Family Protection Coverage

OPCF 47: Agreement not to Rely on SABS Priority of Payment Rules

OPCF 48: Added Coverage to Offset Tort Deductibles​