Additional optional enhancements, also known as policy endorsements or Ontario Policy Change Forms (OPCFs), are special agreements that allow you to change, add, or reduce the amount of coverage for certain situations.

The five most common policy endorsements are:

• Rented or Leased Vehicles (OPCF 5): This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.
  
• Loss of Vehicle Use (OPCF 20): This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.
  
• Liability for Damage to Non-Owned Automobile(s) (OPCF 27): This endorsement provides physical damage coverage to vehicles that you may operate but do not personally own – such as a vehicle that you have rented or borrowed – subject to a deductible.
  
• Removing Depreciation Deduction (OPCF 43): This coverage removes the insurer’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured.
  
• Family Protection Coverage (OPCF 44R): This coverage protects you, or an eligible member of your family, to the same limits as your Third-Party Liability coverage if you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance, or is an unidentified driver (e.g., hit and run).

Please keep in mind that these are only some of the many policy endorsements available for purchase. Your LGI Broker will be happy to answer all of your questions and discuss which policy endorsements would benefit you.