OPCF 27 | Are You Covered When Driving A Non-Owned Vehicle?

It’s common for people to drive vehicles other than their own. Perhaps you borrow a friend or family member’s vehicle. Or you rent a car when on vacation. Many assume they are covered under their personal automobile policy in these situations. But, you may not be.

It depends if you have added the OPCF 27 endorsement. Here's what you need to know.

What is OPCF 27?

OPCF 27 is also known as Legal Liability For Damage To Non Owned Automobiles. It provides you with car insurance when driving vehicles you do not own. It protects you against damage or loss to vehicles you rent or borrow.

OPCF 27 explained

OPCF 27 is one of many types of Ontario Policy Change Forms. Here is what you need to know :

It provides you with comprehensive insurance and collision insurance if you damage a rental or borrowed vehicle.
Your third party liability and accident benefits will apply to rented or borrowed vehicles.
It is only applicable when driving in Canada or the United States.

How much does it cost to add OPCF 27?

Adding the OPCF 27 endorsement can cost about $50 or less per year. Even if you only rent a vehicle once, it’s more affordable to add the endorsement. The rental company charges a daily fee for insurance on the vehicle. Fees can add up quickly, especially if you are renting for a longer time frame.

OPCF 27 and rental cars

Will car insurance quotes cover you if you rent a car? If you have OPCF 27, then yes. This endorsement allows your personal policy to apply when driving other vehicles, including rentals.

There are some limitations for how OPCF 27 applies to rental cars :

Only the drivers listed on your policy are included.
It applies for rentals up to 30 days.
There is a limit. It often ranges from $25,000 to $50,000.
It only applies to standard vehicles weighing less than 4500 kilograms.

Are you covered for a rental when you have OPCF 27?

Yes. OPCF 27 provides you with the insurance you need. It acts as a replacement for the rental car insurance offered by the rental company. You can decide on this endorsement and save yourself some money. If you are not sure if you have OPCF 27, speak with your insurer before renting a vehicle.

Do I need the OPCF 27 endorsement?

The need for the OPCF 27 endorsement depends on your driving habits. If you rent vehicles or frequently borrow vehicles from others, then it’s worth adding it. This will give you the protection you need when driving other vehicles.

If you exclusively drive your vehicle then you probably don’t need this.

What is the difference between OPCF 27 and OPCF 27B?

OPCF 27B is for business operations. It is also known as Liability for Damage to Non-Owned Automobiles in Your Care, Custody or Control. It protects businesses and business owners when renting or using other commercial auto insurance and equipment.

How does OPCF 27 work if you get in an accident?

If you have an accident or cause damage to a non-owned vehicle, your policy will cover you.

Add OPCF 27 to your policy today

Do you want to add OPCF 27? Not sure if you need it? Please speak with one of our advisors. They can help assess your needs and update your plan for you.