New and Revised Policy and Endorsement Forms



No. A-12/10
– Auto
Property & Casualty

To the attention of all insurance companies licensed to transact automobile insurance in Ontario

The Financial Services Commission of Ontario (FSCO) has revised and updated various policy and endorsement forms to reflect the automobile insurance reforms that will become effective on September 1, 2010.  Changes to these forms were made in consultation with industry stakeholders. 

In addition, two new forms have been approved to allow policyholders to purchase coverage to offset the tort deductibles.

The following forms have been revised and updated:

  1. Garage Certificate of Insurance
  2. O.P.F. 2 – Ontario Driver's Policy
  3. O.A.F. 2 – Ontario Application for Automobile Insurance – Driver's Form
  4. OPCF 2 – Providing Coverage when Named Persons Drive Other Automobiles or Rent or Lease Other Automobiles
  5. OPCF 3 – Drive Government Automobiles
  6. OPCF 21A – Monthly Reporting Basis Fleet
  7. OPCF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles
  8. O.E.F. 72 – Multiple Alteration Endorsement (for Ontario Garage Automobile Policy)
  9. O.E.F. 85 – Final Premium Computation Endorsement (for Ontario Garage Automobile Policy)

The new forms are: 

  1. OPCF 48 - Added Coverage to Offset Tort Deductibles (for OAP 1)
  2. O.E.F. 87 - Added Coverage to Offset Tort Deductibles (for Ontario Garage Automobile Policy)

Highlights of changes

Some of the changes to these forms include: 

  • Reflecting the changes to the Statutory Accident Benefits Schedule (SABS)
  • The Provincial Sales Tax (PST) and the Goods and Services Tax (GST) fields have been replaced with a "Tax" field to accommodate the new Harmonized Sales Tax (HST)
  • Coverage for rented automobiles with a Gross Vehicle Weight Rating (GVWR) of more than 4,500 kilograms, if they are for personal use and rented for no more than seven days.

Non-standard endorsement forms

FSCO has previously approved non-standard endorsement forms for some insurers.  Insurers will need to update these non-standard forms to reflect the changes resulting from the reforms and file them with FSCO for approval by June 25, 2010.

Effective date of forms

The forms are effective for new business and renewals effective on or after September 1, 2010.

Copies of new and revised forms

Copies of the new and revised forms are attached and are also available on FSCO's website at  The O.P.F. 2 will also be published in an upcoming edition of The Ontario Gazette.


Philip Howell
Chief Executive Officer and
Superintendent of Financial Services

June 15, 2010


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