For most drivers, nothing is more stressful than being stranded on the side of the road. Whether it is a dead battery in the middle of winter or a sudden burst tire on the highway, having a backup plan is crucial. Although Ontario drivers have access to various options, many overlook OPCF 35 as a form of protection included through their auto insurance policy. In this article, we will break down everything you need to know about Optional Auto Insurance Endorsement 35, including what it covers, costs, limitations, and whether it is the right choice for you.
What is the OPCF 35 Endorsement?
OPCF 35, or Ontario Policy Change Form 35, is an optional auto insurance endorsement that adds emergency roadside assistance services to your existing auto insurance policy. OPCF 35 offers low-cost coverage for emergency roadside assistance, but it comes with important limitations.
What does OPCF 35 cover?
OPCF 35 addresses common roadside emergencies but limits coverage to unexpected breakdowns and excludes routine maintenance. Here are some examples of what is covered under Optional Auto Insurance Endorsement 35:
- Towing services
- Flat tire changes
- Battery boosts
- Lockout assistance
- Winching (if your vehicle is stuck)
The Strict Limits of OPCF 35
Unlike other full roadside assistance programs, Optional Auto Insurance Endorsement 35 differs in a few significant ways. Some of the key limitations include:
Price Cap: Insurers typically cap coverage at a small amount. Usually, per incident, it is capped at around $50.
Limit on Number of Claims: Unlike full roadside assistance, with OPCF 35, you may only claim coverage up to twice per year.
Payment Details: For OPCF 35, you must pay upfront and can only be reimbursed once you submit receipts.
Plus, unlike more comprehensive roadside assistance services, OPCF 35 does not cover repairs or replacements. So if you need a replacement vehicle, you would have to pay out of pocket. Essentially, OPCF 35 is best for covering the cost of the service call, not the actual fixes.
How much does OPCF 35 cost?
One of the best advantages of getting the OPCF 35 is the cost. Given its lower price, many insurers position OPCF 35 as a budget-friendly backup option. The typical cost per year is $5 to $15; however, pricing varies by insurance provider.
Side-by-Side: OPCF 35 vs. Dedicated Roadside Memberships
Feature | OPCF 35 | Full Roadside Plan |
Cost | Very low cost, up to $15 annually. | Moderately priced, up to $170 annually. |
Coverage | Partial reimursement. | Full reimbursement. |
Claims | Very limited. | Unlimited/Multiple. |
Towing | Not recieving full towing coverage. | Covered to a certain distance from incident. |
Repairs | Is not included. | Is sometimes included |
Services | You have to arrage it yourself. | They will dispatch help to your location. |
Is OPCF 35 the Right Fit for You?
Who benefits most from OPCF 35:
Despite its limitations, OPCF 35 is a great fit for drivers in specific instances:
- The driver has no roadside coverage
- Wants a cheap safety net for “just in case” situations
- Drives less frequently or only drives short distances from home
- Understands and is comfortable with the limitations
Who should look for comprehensive alternatives:
While it does have its benefits, this endorsement is not for everyone due to its limited nature:
- Already enrolled with a roadside assistance service or similar coverage
- Frequently driving long distances
- Looking for fast, reliable assistance when needed
- Looking for comprehensive coverage similar to a roadside plan
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What are people asking about Optional Auto Insurance Endorsement 35?
What does OPCF stand for?
OPCF stands for Ontario Policy Change Form. Drivers can add this optional endorsement to their Ontario auto insurance policy.
Do standard policies include OPCF 35?
No. Standard auto insurance policies do not include Optional Auto Insurance Endorsement 35, so drivers must add it as an optional endorsement.
Does OPCF 35 cover the full cost of towing or roadside services?
No. OPCF 35 typically provides limited reimbursement (often around $50 per incident), which may cover only a fraction of the cost.
Does OPCF 35 cover repairs or replacement of parts?
No. It only helps to cover. It does not cover repairs, parts, or supplies such as:
- Batteries
- Tires
- Fuel
Is Ontario Policy Change Form 35 the same as a roadside assistance membership?
No. Optional Auto Insurance Endorsement 35 is not equivalent to a full roadside assistance plan because it offers only limited reimbursements. Contrarily, membership programs usually provide:
- Full service
- Higher coverage limits
- Direct assistance
Can I have both OPCF 35 and a roadside assistance membership?
Yes. Some drivers use OPCF 35 in addition to roadside coverage, although it may not provide much additional value.
In most cases, no. A single roadside assistance claim will not increase your Ontario auto insurance premiums.
Since this endorsement specifically covers non-accident events, it is not treated like an at-fault collision claim, which typically triggers an increase in your premiums.
Is Optional Auto Insurance Endorsement Takeaways 35 worth it?
It depends on the driver. It can be worthwhile if you do not already have roadside assistance and want low-cost, basic protection. However, it may not be sufficient coverage for drivers seeking more frequent support or comprehensive coverage.
Does this endorsement cover me when driving a different car?
Secure the Right Protection Plan
Ultimately, Optional Auto Insurance Endorsement 35 is a basic, low-cost add-on rather than a comprehensive, more expensive safety net. While it can provide some financial relief in minor cases, the restrictions and limitations mean it offers less comprehensive coverage and puts more pressure on you to pay out of pocket in an emergency. Drivers looking for affordable backup coverage may find this endorsement a good fit.
If you think the OPCF 35 add-on may be the best for your coverage, be sure to contact one of our licensed and experienced brokers to get the best coverage for you.
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