OPCF 27 Rental Car & Non-Owned Vehicle Coverage
OPCF 27 can extend specified automobile coverage to vehicles you operate but do not personally own, including certain rental or borrowed vehicles, subject to the endorsement wording and deductible.
OPCF 27 can provide physical-damage coverage for a vehicle you rent or borrow
FSRA says OPCF 27 provides physical-damage coverage to vehicles you may operate but do not personally own, such as a rented or borrowed vehicle. It can also provide specified liability, accident benefits, uninsured automobile and DCPD protection in certain circumstances.
FSRA — Optional and extra coverage →How OPCF 27 can apply to a rental vehicle
If your Ontario auto policy includes OPCF 27, the endorsement can provide damage coverage for an eligible non-owned vehicle you rent or borrow, subject to its terms, limits and deductible.
FSRA's rental-vehicle guidance says OPCF 27 is valid for driving non-owned vehicles in Canada and the United States. Coverage outside those territories should not be assumed.
FSRA — Protecting yourself when renting a vehicle →OPCF 27 vs credit-card and rental-company protection
A credit card may provide collision-damage protection, but FSRA notes that credit-card coverage is subject to its own conditions and can depend on the rental company or vehicle. A rental company can also offer its own collision damage waiver.
Before declining rental-company protection, verify the actual OPCF 27 wording, the credit-card certificate if relevant, who must rent and drive the vehicle, eligible vehicle types, territory and deductible.
An at-fault rental collision can still affect your driving record
FSRA warns that if you have an at-fault accident in a rented automobile and are 50% or more at fault, the accident can still count against your driving record regardless of who pays the vehicle-damage claim.
Insurance for the rental vehicle and the rating consequences of an accident are therefore separate questions.
FSRA — Rental vehicle guidance →