Form Opcf 27 – Fill Out and Use This PDF

OPCF 27

Liability for Damage to Non-Owned Automobile(s), and

Other Coverages When Insured Persons Drive, Rent or Lease Other

Automobiles

Issued to	Effective Date of Change			Policy Number
	Year	Month	Day

The additional premium for this change is $ …………………… or as indicated on your Certificate of Automobile Insurance

1. Purpose of This Change - This change is part of your policy. It extends coverage:

for loss or damage to a non-owned automobile including its equipment resulting from the care, custody or control of that non-owned automobile by an insured person, and

when persons named below drive other automobiles or rent or lease other automobiles.

2.Who Is Covered

2.1If the Certificate of Automobile Insurance is in the name of an individual or individuals, an insured person in this change form means you, your spouse and all drivers listed in the policy.

2.2If the Certificate of Automobile Insurance is in the name of a corporation, unincorporated association, partnership, sole proprietorship or other entity, an insured person in this change form means the persons named below and their spouses.

3.Liability for Damage to Non-Owned Automobiles 3.1. What We Will Cover

In return for the premium charged, we will provide coverage for the liability imposed by law or assumed by any written agreement for loss or damage to a non-owned automobile including its equipment resulting from the care, custody or control of that non-owned automobile by an insured person. This loss or damage must result from a peril set out below for which you are insured and a premium is shown here or as indicated on your Certificate of Automobile Insurance.

Insurance Coverage
Loss or damage to non-owned		Deductible			Premium
automobiles
	Specified Perils	$		A deductible
	Comprehensive	$		applies for
				each claim
	Collision or Upset	$		except as
				stated in your
	All Perils	$		policy.
				Total Premium	$

OPCF 27 (01/2007) Page 1 of 2

3.2Limitations on This Coverage

3.2.1The coverage applies only to an automobile of 4500 kilograms or less (gross vehicle weight), or of the .........type.

3.2.2We will not cover loss or damage to any automobile which is:

owned or licensed in the name of any person insured by this change or by any person living in the same dwelling as these persons, or

owned or leased by the employer of these persons.

3.2.3Where applicable, sections 3.3.1, 3.3.2 and 3.3.3 of your policy will apply to this change.

3.2.4We will not pay more than $........... under this change for any one occurrence plus the costs provided for in 3.2.3 above.

3.2.5The automobile must be used with the owner's or lessee's consent.

4.Providing Other Coverage When Insured Persons Drive, Rent or Lease Other Automobiles

4.1What We Will Cover

In return for the premium charged, we will provide the Liability, Accident Benefits, Uninsured Automobile and Direct Compensation-Property Damage coverage described in your policy when the insured persons drive other automobiles. However, we will not provide Liability coverage to persons who are excluded drivers under this policy when they drive, in Ontario, an automobile which is rented or leased for a period of less than 30 days. We will also provide Liability coverage to insured persons who rent or lease automobiles for periods of not more than 30 days, but only with respect to the liability of the insured persons for the negligence of the drivers of the rented or leased automobiles, and we will not provide this additional Liability coverage if the driver of the rented or leased automobile is an excluded driver under this policy.

4.2Definition of Other Automobile

For the purposes of Section 3, "Liability Coverage," Section 4, "Accidents Benefits Coverage," Section 5, "Uninsured Automobile Coverage, and Section 6, "Direct Compensation - Property Damage," of your policy, other automobile also means:

Any automobile of 4500 kilograms gross vehicle weight or less, other than the described automobile, while driven by an insured person referred to in 2, when the other automobile:

is not being driven by an insured person in connection with the business of selling, repairing, maintaining, storing, servicing or parking automobiles;

is not owned or frequently used by an insured person or anyone living in the same dwelling as the insured person;

is not owned, hired or leased by an insured person's employer or by an employer of anyone living in the same dwelling as the insured person, and

is not being used to carry paying passengers or to make commercial deliveries at the time of the loss.

For Direct Compensation - Property Damage Coverage the other automobile cannot be a described automobile in a motor vehicle liability policy.

4.3Limitations on This Coverage

This coverage does not apply to anyone who owns an insured automobile or leases an automobile covered by OPCF 5, "Permission to Rent or Lease Automobile (s) and Extending Coverage to the Specified Lessee(s)," or a similar endorsement.

All other terms and conditions of your policy remain the same.

OPCF 27 (01/2007) Page 2 of 2