An Ontario Policy Change Form, or OPCF, is an endorsement that changes a specific part of an Ontario auto policy. It may add protection, reduce it, suspend it or change how a claim is settled. The numbered form becomes part of your policy, so its exact wording and effective date matter.
For this guide, our team checked FSRA’s current auto forms directory, its optional-coverage guide and official form descriptions including OPCF 5 and OPCF 19A.
Keep reading to identify common endorsements, see the questions each one answers and learn how to add or remove one safely.
What Does an OPCF Change?
An OPCF does not replace the Ontario Automobile Policy. It changes only the items described in that endorsement. Every other policy term continues unless the form says otherwise.
Some forms broaden coverage and usually add premium. Others reduce or suspend coverage and may return premium. A form can also change a deductible or establish how the insurer values a vehicle. Availability and price depend on the insurer, eligibility and policy.
Which OPCFs Do Ontario Drivers Commonly Encounter?
| Form | What it does | Question to ask |
|---|---|---|
| OPCF 5 | Lets an owner or lessor rent or lease the listed automobile and extends coverage to the specified lessee | Is this the right form for my lease arrangement? |
| OPCF 16 and 17 | Suspends specified driving-related coverages and later reinstates them | What refund is written on the form, and when is coverage active again? |
| OPCF 19 | Limits the amount paid for loss or damage | What is the stated limit and how could it affect a total loss? |
| OPCF 19A | Sets an agreed value for the automobile | What evidence supports the agreed value? |
| OPCF 20 | Provides transportation-replacement coverage after an insured loss | What daily and total limits apply? |
| OPCF 27 | Extends specified coverages when insured people drive, rent or lease non owned automobiles | Which people, vehicles, territories, limits and deductibles apply? |
| OPCF 28 | Reduces stated coverage for named people | Which exact limits, coverages and deductibles remain? |
| OPCF 28A | Excludes a named driver from coverage while operating listed automobiles, with limited exceptions | Can the household reliably prevent that person from driving? |
| OPCF 40 | Applies the stated deductible to a fire loss | What deductible would I pay? |
| OPCF 43 or 43A | Removes a depreciation deduction for eligible owned or leased automobiles | How long does it last, and which settlement conditions apply? |
| OPCF 44R | Provides family-protection coverage when an at-fault driver has too little insurance or cannot be identified | Does its limit match my liability limit? |
This is a practical selection, not the full forms directory. Use the form number on your quote or policy to open the exact FSRA version, then compare it with your certificate.
What Do OPCFs Cost?
There is no standard price list. The cost depends on the form, vehicle, coverage, insurer and eligibility. Some endorsements add premium because they broaden protection. A reducing or suspending form may create a return premium, but the tradeoff is less coverage.
Ask for the dollar change in writing. If two quotes include different endorsements, compare the form numbers, limits, deductibles, conditions and total annual premium before deciding which policy is cheaper.
How Do You Add, Change or Remove an OPCF?
Tell the insurer, agent or broker what you need the policy to do. Do not ask only for a form number because a different endorsement may fit the situation better. Request the proposed form, premium change and effective date before agreeing.
After the change, confirm the automobile and people listed, the limits, deductible, territory and expiry or removal conditions. Keep the completed endorsement with the certificate. If you remove an OPCF, wait for written confirmation and check the revised policy rather than assuming a phone request took effect.
What Is the Difference Between an OAP, OAF and OPCF?
| Document | Purpose |
|---|---|
| OAP 1 | The standard Ontario owner’s policy wording |
| OAF 1 | The owner’s application for automobile insurance |
| OAF 2 | A driver application used to collect driver-specific information |
| OPCF | An endorsement that changes a specific part of the policy |
Read the documents together. The application supplies the facts used to underwrite the risk, the OAP sets the base contract, the certificate shows your selected coverage and the OPCF changes a defined part of that contract.
Read More: Learn More About Car Insurance in Ontario