Blog OPCF 27 : Liability For Damage To Non-Owned Automobiles

May 26, 2020

The OPCF 27 Ontario Policy Endorsement


It’s common for people to driver vehicles other than their own. Perhaps you borrow a friend or family member’s vehicle. Or you rent a car when on vacation. In these situations, many assume they have coverage from their personal auto coverage. But, you may not have coverage.

It depends if you have added the OPCF 27 endorsement to your policy. You can add to your Ontario car insurance policy to have coverage for many situations. Here we will explain OPCF 27 coverage. We’ll outline when and why you need it and answer common questions about this policy endorsement.

What Is OPCF 27?

OPCF 27 is also known as Legal Liability For Damage To Non Owned Automobiles. It provides you with coverage when driving vehicles you do not own. It protects you against damage or loss to vehicles your 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 coverage and collision coverage if you damage a rental or borrowed vehicle.
  • Your liability coverage and benefits will apply to rented or borrowed vehicles.
  • The coverage is only applicable when driving in Canada or the United States.

How Much Does It Cost To Add OPCF 27 To Your Policy?

Adding the OPCF 27 endorsement to your policy 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 quick, especially if you are renting for a longer time frame.

OPCF 27 And Rental Cars

Does your insurance policy 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 vehicle, including rentals. The coverage is even more important if you do not have collision or comprehensive coverage in your policy.

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

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

Do I Need Rental Car Coverage If I Have OPCF 27?

OPCF 27 Explained

No. OPCF 27 provides you with the coverage you need. It acts as a replacement for the rental car insurance offered by the rental company. You can decide this coverage 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 to your policy. 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 coverage.

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 provides businesses and business owners with coverage when renting or using other commercial vehicles and equipment.

What If I Get Into An Accident – How Does OPCF 27 Work?

If you have an accident or cause damage to a non-owned vehicle, your insurance policy will apply. This means opening a claim, which will go on your insurance record.

Add OPCF 27 To Your Policy Today!

Do you want to add OPCF 27 to your policy? Not sure if you need it? Speak with one of our insurance experts. They can help assess your needs for the coverage.

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