sub-section 1 ontario policy change form (opcf - Facility Association

FACILITY ASSOCIATIONSection S – Standard Endorsement FormsNotes:1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or onbehalf of the Superintendent(s) of Insurance.2.This Manual (in this section and elsewhere) provides certain details of approved Endorsement forms. The descriptionsare necessarily very brief and reference must be made to the actual wordings of the Endorsements to ascertain the fullprovisions and restrictions.3.In certain cases a copy of the Endorsement must be signed by the Applicant and filed with the Servicing Carrier. Theinsurance will not be continued or the policy re-rated if this requirement is not met.SUB-SECTION 1ENDORSEMENTS APPLICABLE TOONTARIO POLICY CHANGE FORM (OPCF)Liability (or TPL) means B.I. and P.D. Tort; DCPD means Direct Compensation - Property Damage;Physical Damage means Optional Coverages - Loss or Damage (All Perils, Collision, Comprehensive, Specified Perils.)Ontario Policy Change Form (OPCF)Number and Title2 Providing Coverage when Named Persons DriveOther AutomobilesThe purpose of this endorsement is to extend the “drive otherautomobiles” Liability and Accident Benefits coverage topersons other than the Insured and spouse.3 Drive Government AutomobilesThe purpose of this endorsement is to cover the Insured’slegal liability arising from the custody and use of a vehicleowned by the federal or a provincial government, includingliability for the loss of or damage to the vehicle arising fromCollision and/or Comprehensive or Specified Perils. TheInsured must specify the types of vehicle that may be in hiscustody and, in regard to the “Physical Damage” coverages,must indicate the required limit per occurrence.Rates to be chargedNet Annual Premium depending on Liability limit on vehicle:$200 $300 $5007 8 9 10Plus $1 for Accident Benefits.Calculate the coverage premiums applicable to the highest ratedgovernment vehicle that may be in the insured’s custody as if heowned such a vehicle. Take into account Driving Record as well asthe type and use of the vehicle and the coverage deductibles; usethe limit per occurrence as the vehicle’s value for determining therating group and, in respect of a commercial vehicle, assume themodel year to be the current year. The charge for each coverage isthe under-noted percentage of the calculated premium.Liability and DCPD: . . . . . . . . . . . . . . . . . . . . . .20%Accident Benefits, Uninsured Automobile: . . . . .50%Physical Damage: . . . . . . . . . . . . . . . . . . . . . . . .100%4A4BPermission to Carry ExplosivesPermission to Carry Radioactive MaterialsIf main cargo, rate vehicle as Class 48, 51B or 61B plus specialfactors.If incidental, net annual $50.See Rule 39 in Section A of this Manual.If main cargo, rate vehicle as Class 48, 51B or 61B plus specialfactors.If incidental, net annual $50.See Rule 40 in Section A of this Manual.5 Permission to Rent or Lease Automobiles andExtending Coverage to the Specified Lessee(s)Applicable to leases exceeding 30days.No charge; vehicle rated as if owned by lessee.See Rule 36 in Section A of this Manual.Ontario – August 2001S1

Section S – Standard Endorsement FormsFACILITY ASSOCIATION5C5D6AOntario Policy Change Form (OPCF)Number and TitlePermission to Rent or Lease(unspecified lessees - short term leases only)Applicable to leases not exceeding 30 days.Conversion Coverage (rented orleased automobiles)Permission to Carry Paying PassengersWhen appropriate, this endorsement is used to modify thepolicy forms restrictions in regard to the use of the vehiclefor the carriage of passengers. The actual use of the vehiclemust be specified in the endorsement. See Section C (PrivatePassenger Vehicles) and Section E (Public Vehicles): the useof the endorsement is not permissible in respect of othervehicles. Also see OPCF 22.Rates to be chargedThe following premiums apply to the policy and are not specificallyfor the endorsement:1. Liability, DCPD and All Perils, Collision,Comprehensive, Specified Perils:Private Passenger . . . . . . . . . . . . . . . . . . . .250% of 07/0Commercial VehiclesLight Trucks . . . . . . . . . . . . . . . . . . . . . . .200% of 43/0Heavy Trucks . . . . . . . . . . . . . . . . . . . . . . .200% of 45/0Tractor/Trailers . . . . . . . . . . . . . . . . . . . . .175% of 51/0Private Trailersa. Liability, DCPD . . . . . . . . . . . . . . . . . . . . . . .add $15b. Physical Damage . . . . . . . . . . . . . . . .250% of normalMotorHomes & Camper Unitsa. Liability, DCPD . . . . . . . . . . . . . . . . . . .250% of 07/0b. Physical Damage . . . . . . . . . . . . . . . .250% of normalMotorcycles & Mopeds . . . . . .250% of DR 0 for age 16Snowmobiles and ATVs . . . . . . . . . . . . .250% of normal2. Accident Benefits, Uninsured AutomobileAll Vehicles . . . . . . . . . . . . . . . . . . . . . . .100% of DR 0See Rule 35 in Section A of this Manual.Not offeredFor Private Passenger Vehicles used in car pools: add 10% ofLiability and DCPD premium.Volunteers:A volunteer transports persons to medical appointments and thelike, and is reimbursed for their reasonable driving expenses,including gas, vehicle wear and tear and meals. END 6a is notrequired and there is no additional premium charge.Other Private Passenger Vehicles used to transport passengers:i) If transportation of non-paying passengers is part ofinsured’s job and employer reimburses employee for expenses- then 07 rates apply.ii) If transportation is very occasional (no more than once aweek - non-paying passengers) then 02 or 03 rates can apply.iii) All others, then appropriate taxi, limousine or bus rates areapplicable.OPCF 6a endorsement would be attached, however, only if thevehicle is used in a car pool would the 10% surcharge apply.For Public Vehicles: rate vehicle accordingly. See Public VehicleSection of the Manual.S2Ontario – August 2001

FACILITY ASSOCIATIONSection S – Standard Endorsement Forms6BOntario Policy Change Form (OPCF)Number and TitlesSchool BusThis endorsement is used in respect of School Buses and, inregard to Passenger Hazard, provides either (a) separatelimits of liability in respect of (i) bodily injury to any oneperson, (ii) bodily injury to all persons, and (iii) passengers’property or (b) a combined limit in respect of all passengers’bodily injury and property damage.Rates to be changedRate Vehicle according to Public Vehicle Section of the Manual.6CPublic Passenger Vehicles - Combined LimitsThis endorsement is used in respect of buses other thanSchool Buses and, in regard to Passenger Hazard, provideseither (a) separate limits of liability in respect of (i) bodilyinjury to any one person, (ii) bodily injury to all persons, and(iii) damage to property carried in the automobile, or (b) acombined limit in respect of all passengers’ bodily injury andproperty.Rate vehicle according to Public Vehicle Section of the Manual.6DDriver Training SchoolThis endorsement gives permission for the vehicle to be usedfor Driver Training School purposes and extends theLiability section of the policy to provide coverage in respectof the Insured’s liability for bodily injury to studentdrivers/observers. The Liability limit provided in respect ofRoad Hazard is to be repeated in the endorsement againstboth “any one person” and “two or more persons”.Also See OPCF 22.Rate vehicle according to Rule 37 in the Manual.6FPublic Passenger VehiclesThis endorsement is used instead of OPCF 6C when acombined Road & Passenger Hazard Limit (B.I. & P.D.) is tobe provided.Rate vehicle according to Public Vehicle Section of the Manual.7 Separate Limits (Liability)This endorsement is used only when proof of insurance isfiled in respect of a vehicle and the authority concernedrequires that, in respect of Road Hazard, the insuranceprovide separate Liability limits for (i) bodily injury to anyone person, (ii) bodily injury to all persons, and (iii) damageto property.Premium is that applicable to an inclusive limit equal to the sum ofthe limits for B.I. to any one person/any one accident.8 Property Damage Reimbursement9 Marine Use ExcludedThis endorsement specifies that insurance is not providedwhile the vehicle is in or upon water or being launched orlanded. The use of the endorsement is mandatory in respectof vehicles designed for use on both land and water(amphibious vehicles, all terrain vehicles, swamp buggies).Not offered.No charge.Ontario – August 2001S3

Section S – Standard Endorsement FormsFACILITY ASSOCIATION13COntario Policy Change Form (OPCF)Number and TitleRestricting Glass CoverageThis endorsement amends the Comprehensive coverage bydeleting coverage for damage to glass unless caused by ahazard included in Specified Perils coverage.16 Suspension of Coverage17 Reinstatement of Coverage19 Limiting the Amount Paid for Loss or DamageCoverageThis endorsement provides that, in the event of loss ordamage, the maximum amount of insurance under thePhysical Damage sections of the policy is the actual cashvalue of the vehicle or the specified dollar amount (selectedby the Insured), whichever is less.The use of the endorsement is mandatory in respect ofMotorcycles and Mopeds and all vehicles for which thePhysical Damage premiums are based on the estimated orappraised current value.Rate to be chargedPrivate Passenger Vehicles, Motor Homes and “Light”Commercial Vehicles (excluding Trailers).Premium charged for reduced coverage is Specified Perils plus10% of Comprehensive except for deductibles of $500 or overwhere there is no discount from the full applicableComprehensive premium.Note: For the purposes of the Automobile Statistical Plan, thereduced coverage is reported as Comprehensive Coverage.Other Vehicles: Not offered.If there is only one vehicle on the policy, percentage of unearnedpremium for remainder of term to be refunded: Liability - 90%;A.B. - 75%; DCPD - 90%; Coll. - 100%. If two or more vehicleson policy and one retains Liability and Accident Benefitscoverages, the percentages are Liability - 90%; A.B. - 100%;DCPD - 90%; Coll. - 100%. No refund for suspensions of lessthan 45 days.See Rule 30 in Section A of this Manual.Used in connection with OPCF 16.See Rule 30 in Section A of this Manual.Base Physical Damage premiums on estimated or appraisedcurrent value.19AAgreed Value of AutomobilesNot offered.20 Coverage for Transportation ReplacementThis endorsement provides coverage to pay for other meansof transportation because of loss or damage to a describedvehicle covered by END 20 caused by an insured peril andwhere the amount of loss or damage exceeds the deductible.21A21BMonthly reporting basis fleet (applicable to Ontariolicensed vehicles)Blanket Fleet Coverage for Ontario LicensedAutomobiles22 Damage to Property of PassengersThis endorsement is used to insure the Passenger PropertyDamage hazard when either (a) OPCF 6a or 6d is attached tothe policy.Private Passenger Vehicles (Classes 01-19):$50 net per annum - for amount payable not exceeding $50 forany one day nor total more than $900.Other Vehicles:Not offered.See Rule 114 A in Section B of the Manual.Not offered.Not offered.Premium is the Passenger Hazard Property Damage premiumfor the class of vehicle.See Public Vehicle Section of the Manual.S4Ontario – August 2001

FACILITY ASSOCIATIONSection S – Standard Endorsement Forms23A23BOntario Policy Change Form (OPCF)Number and TitleLienholder ProtectionThis endorsement records the joint interest of a lienholder.Mortgage (Broad Form)This endorsement is broader than OPCF 23a in that itprovides additional protection to the lienholder.Rate to be chargedNo charge.If an OPCF 23a/b is issued showing the coverages provided, theapplicability of any restrictive endorsement (such as OPCF19/28/40) is also to be recorded.10% of total Physical Damage premium; minimum net annual $25.If an OPCF 23a/b is issued showing the coverages provided, theapplicability of any restrictive endorsement (such as OPCF19/28/40) is also to be recorded.24 Fire ApparatusThis endorsement excludes Physical Damage coverage inrespect of equipment removed from the vehicle while at thelocation of a fire. Use of the endorsement is mandatorywhen the insurance applies to a fire-fighting vehicle25 Alteration27 Liability for Damage to Non-OwnedAutomobile(s) and providing Other Coverageswhen Insured Persons Drive Other AutomobilesThe purpose of the endorsement is to cover the Insured’slegal liability for loss of or damage to a non-ownedvehicle/trailer (not owned by or licensed in the name of theInsured or any other person residing in the same premises)arising from Collision and/or Comprehensive or SpecifiedPerils. The Insured must specify the types of vehicle/trailerthat may be in his custody.In addition, this endorsement extends the “drive otherautomobiles” Liability and Accident Benefits coverage topersons other than the Insured and spouse.No charge.No charge; minimum additional premium of $5 for addition ofcoverage or vehicle, increase in Liability limit, or decrease indeductible amount.Private Passenger Vehicles:Premium:$50 per annum.Peril:All Perils onlyLimit: $40,000Deductible: $250Restriction:Other Vehicles:Coverage offered only to risks carryingboth Collision and Comprehensive, or AllPerils on the vehicle described in the policy.Not offered.27BBusiness Operations - Liability for Damage to Non-Owned Automobile(s) in your Care, Custody orControlThe purpose of the endorsement is to cover the Insured’slegal liability for loss of or damage to a non-ownedvehicle/trailer (not owned by or licensed in the name of theInsured or any other person residing in the same premises)arising from Collision and/or Comprehensive or SpecifiedPerils. The Insured must specify the types of vehicle/trailerthat may be in his custody and indicate the required limitper occurrence.Coverage premiums charged are those applicable to the highest ratedvehicle as if the insured owned such a vehicle; the limit peroccurrence is used to calculate rate group; model year is assumed tobe the current year.28 Reducing Coverage for Named PersonsThis endorsement is used if the coverages provided by thepolicy are to be restricted when certain named operators aredriving the vehicle.No premium reduction28AExcluded DriverThis endorsement is used to exclude coverage when theperson named in the endorsement drives the automobile.Both the excluded person and the insured must sign theendorsement. The endorsement must be signed annually.Premium: No charge to add endorsement.Rate vehicle as if excluded driver was not in the household. Uponremoval of the END 28A, all accidents and convictions will beconsidered chargeable. See Rule 31.Ontario – 15 September 2005S5

Section S – Standard Endorsement FormsFACILITY ASSOCIATIONOntario Policy Change Form (OPCF)Number and TitleRate to be Charged29 Additional Coverage for Named PersonsNot offered.30 Removing Coverage for Attached MachineryThis endorsement excludes Liability and Accident Benefitscoverage in respect of the ownership or use of machinery orapparatus mounted on or attached to the vehicle, while at thesite of such use. .31 Non-Owned EquipmentThis endorsement provides coverage in respect of apparatus,machinery or equipment that is attached to the vehicle but isnot owned by the Insured. Use of the endorsement is notpermissible in respect of a vehicle to which OPCF 30applies. The Physical Damage coverages may only be thesame as those provided in respect of the vehicle. Therequired limit in respect of loss of or damage to theequipment must be specified.32 Use of Recreational Vehicles by Unlicensed OperatorsThis endorsement permits the use of the insured vehicle, offthe public highway and for recreational purposes only, by anunlicensed and/or unqualified person.35 Coverage for Emergency Road ServicesThis endorsement provides coverage in respect of towing andemergency service expenses necessitated by disablement ofthe vehicle.38 Agreed Limit for Automobile Electronic Accessoriesand EquipmentThis endorsement limits theft coverage for electronicaccessories (other than factory installed) to the lesser of theactual value of the equipment or $1,500 unless the equipmentis listed in the endorsement.40 Fire DeductibleThis endorsement is used when the All-Perils/Comprehensive/Specified Perils deductible is to bemade applicable also to Fire losses.No charge.No specific charge, equipment cost to be included in vehiclevalue.No charge.Net annual $5 per vehicle.$30 per $1,000 or part there of, of the limit of coverage shownon the endorsement.No charge.43 Removing Depreciation Deduction43A Removing Depreciation Deduction for SpecifiedLessee(s)Not offered.Not offered.S6Ontario – 15 March 2009

FACILITY ASSOCIATIONSection S – Standard Endorsement FormsSUB-SECTION 4ENDORSEMENTS APPLICABLE TO O.P.F. No.6(NON-OWNED AUTOMOBILE LIABILITY POLICY)O.E.F.No.90: Limitation to Operation of automobiles by partnersofficers and employees.This endorsement is used when the insurance is to apply only toautomobiles driven by partners, officers and employees (ie., noagents and no “hired automobiles’ or automobiles operated undercontract). The classed concerned (A1/A2/B) are to specified in theendorsement.91: Limitation to operation of automobiles by namedpersonsThis endorsement is used when the insurance is to apply only toautomobiles driven by the persons whose names, occupations andlocations are specified in the edorsement.92: Limitation to Hired Automobiles and Automobilesoperated under contractThis endorsement is used when the insurance is to apply only to“hired automobiles’ and/or automobiles operated under contract.93: Limitation to automobiles owned by named personsThis endorsement is used when the insurance is to apply only to theoperation of automobiles owned by the persons, firms orcorporations whose names and addresses are specified in theendorsement.94: Legal Liability for damage to Hired AutomobilesThis endorsement is used when the insurance is to be extended tocover the Insured’s legal liability for damage to hired automobilesarising from All-Perils or from Collision and/orComprehensive/Specified-Perils. See Rule 702.E.3 in Section H ofthis manualO.E.F.No.97: Operation by individual named InsuredThis endorsement is used if the named Insured is an individual andcoverage is to be provided in respect of the operation by the Insured,in the business of the insured, of a non-owned automobile to whichthe insurance relates.The endorsement also extends the coverage provided by S.E.F. No.94. (Until the discrepancy is corrected, the reference in the secondparagraph of S.E.F. No. 97 to “exclusions (a)” should be Exclusion 1.If the endorsement is required, it is necessary for full details of therisk to be submitted to the Servicing Carrier so that the appropriatepremium(s) may be assessed.98: Excluding automobiles driven by named personsThis endorsement is used when it is required to exclude coverage inrespect of automobiles driven by specific named persons.99: Excluding long-term leased vehicleThis endorsement is applicable to insurance in respect of hiredautomobiles and must be used when the automobiles are hiredwithout drivers. See Rule 702.F in Section H of this manual.100: AlterationThis form is used by the Servicing Carrier to record a change of theinformation provided on the application form and the change (if any)of the policy premuim.95: Limitation to business conducted at specifiedlocationsThis endorsement is used when the insurance is to apply only to theuse of automobiles in connection with the Insured’s specifiedbusiness locations.96: Contractual LiabilityThis endorsement is used when the policy’s exclusion of liabilityassumed under any contract or agreement is to be deleted in respectof specified contracts; the dates of the contracts and the names of thecontraction parties tobe specified. See Rule 702.E.2 in Section H ofthis manualOntario – August 2001S9