OPCF 27 rental vehicle coverage supporting documents

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What is OPCF 27?

FSRA describes OPCF 27 as liability for damage to non-owned automobile(s) and other coverages when insured persons drive, rent, or lease other automobiles — typically physical damage to a rented or borrowed vehicle subject to a deductible, plus related coverages in specific circumstances. Confirm the client's insurer form and schedule.

What documents support adding OPCF 27?

There is no FSRA-prescribed 'OPCF 27 document package.' Operationally: signed change request / application, licences (and abstracts if the MGA requires a mid-term check) for drivers who may rent, and a file note of limits, territory, and exclusions discussed. Exact lines vary by MGA.

Does the rental agreement go in the file before endorsement?

Usually not before adding the endorsement. Post-rental claims may ask for travel or rental dates — document advice given at bind. Confirm firm procedure.

Can clients add OPCF 27 same-day before travel?

Operationally common when markets allow mid-term changes. A checklist prevents bind without a signed request and driver QC complete — Hivi-X does not grant binding authority.

Is OPCF 27 the same as OPCF 20 or credit-card rental insurance?

No. OPCF 20 is transportation replacement / loss of use for the insured vehicle. Credit-card rental products are separate contracts. OPCF 27B is a business-operations form — not the personal-lines OPCF 27. Document the distinction; do not give legal opinions.

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