OPCF 28A can exclude a named person from coverage while they drive the automobiles listed on the form. It may reduce the premium, but the tradeoff is serious: if the excluded person drives, the policy will not provide the insurance required by law, and both the owner and driver may be personally responsible for resulting injuries or damage.
For this guide, our team reviewed FSRA’s official OPCF 28 and OPCF 28A forms, sections 240 and 249 of Ontario’s Insurance Act and the province’s compulsory-insurance law.
Keep reading to compare the two endorsements, understand the signing and removal process, and decide whether exclusion is safe for your household.
Read More: See How Ontario Policy Change Forms Work
What Does OPCF 28A Do?
OPCF 28A removes coverage, except for certain accident benefits, while the excluded driver operates the automobiles named on the insurance policy. The excluded driver and every named insured signing the form promise that the excluded person will not drive them. The form also applies to a temporary substitute or newly acquired automobile as defined by the policy.
The exclusion is vehicle-specific. Read the automobile list on the signed form and keep it with your policy documents. Do not assume the person is excluded from every vehicle or policy they may encounter.
OPCF 28 vs. OPCF 28A
| Question | OPCF 28 | OPCF 28A |
|---|---|---|
| What changes? | Reduces the liability and loss-or-damage coverage to the limits, coverages and deductibles written on the form | Excludes coverage while the named excluded driver operates the listed automobiles, except for certain accident benefits |
| Can the person drive? | Yes, but only with the reduced protection shown on the form | No. The form warns that the policy will not provide the insurance required by law |
| Who signs? | The insured signs and returns the form | The excluded driver and named insured or insureds sign |
| What if the person is a passenger? | The rest of the policy remains subject to its terms | Certain accident benefits may still be available; eligibility depends on the SABS and circumstances |
| How is price decided? | The insurer rates the exact reduction | The insurer rates the exact exclusion; there is no universal discount |
How Much Can OPCF 28A Save?
There is no fixed saving. Ask the insurer or broker for two written quotes using the same vehicle, drivers, use, coverage and deductibles: one with the person included and one with OPCF 28A. The difference is the real price of the exclusion for your policy.
Do not count a saving until the insurer confirms the endorsement is available and accepts the arrangement. A driver’s age, licence, convictions, claims, relationship to the household and access to the vehicle can affect the result.
How to Add or Remove OPCF 28A
Ask your insurer or broker to identify the driver and each automobile that the exclusion should cover. Review the completed form before signing. Both the excluded driver and the named insured or insureds must sign OPCF 28A, and you should keep the final copy.
To reverse the exclusion, ask the insurer to remove it and re-rate the policy before the person drives. Do not treat a phone request as completed until you receive written confirmation and an updated certificate or endorsement.
What Happens If the Excluded Driver Uses the Car?
The official form warns that there will be no policy coverage for property damage, bodily injury, damage to the automobile and most accident benefits while the excluded driver operates it. The owner and driver may be personally liable, the policy may be cancelled, and the driver may face a charge for driving without insurance.
Access matters. Store every key securely, remove app-based access and make sure other household members understand the exclusion. If the person might need to drive in an emergency or uses the vehicle even occasionally, ask about another arrangement before signing.
Alternatives to Excluding a Driver
Ask whether OPCF 28 can reduce coverage without a full exclusion, or whether the person can insure a separate vehicle. If the driver has moved out and no longer has access, provide the new address and ask what proof the insurer needs. A separate policy does not automatically remove the person from your household policy, so get the insurer’s decision in writing.
Read More: How Occasional Driver Insurance Works