OPCF 27 & FAQ 27 Explained: The Insurance You Need to Rent a Luxury Car
What the OPCF 27 (Ontario) and FAQ 27 (Quebec) endorsements are, why luxury rental companies ask for them and how to add one before you rent.
Quick answer
OPCF 27 is an Ontario auto insurance endorsement — “Liability for Damage to Non-Owned Automobile(s)” — that extends your own policy to cover damage to a car you rent or borrow. Quebec's equivalent is endorsement 27 (commonly written FAQ 27 or Q.E.F. 27). Capital Exotics requires one of them on an active personal auto policy. Many drivers already have it; if you don't, a broker can usually add it quickly.
If you've tried to rent a luxury car in Ontario or Quebec, you've probably been asked for “OPCF 27” or “FAQ 27” and wondered what it means. Here's a plain-language explanation of what these endorsements do, why rental companies ask for them and exactly what to check with your broker before your rental.
What is OPCF 27?
A standard Ontario auto policy is built around the vehicle you own. When you drive a car you don't own — a rental, for example — damage to that car isn't automatically covered by your policy.
The OPCF 27 endorsement (Ontario Policy Change Form 27, “Liability for Damage to Non-Owned Automobile(s)”) closes that gap. It extends your coverage to physical damage to a vehicle you rent or borrow, subject to the limit and deductible on your policy. Depending on your insurer, it may also respond to related costs such as the rental company's loss of use while a damaged car is repaired.
What is FAQ 27 in Quebec?
Quebec uses its own set of standard policy forms. The Quebec equivalent is endorsement No. 27 — often written as FAQ 27 (from the French Formule d'avenant du Québec) or Q.E.F. 27 — covering liability for damage to non-owned automobiles. It serves the same purpose: extending your policy to a vehicle you rent.
Why do luxury rental companies require it?
High-performance vehicles are valuable, and both you and the rental company want certainty that accidental damage is covered by an insurer. The endorsement lets you use the coverage you already pay for, rather than relying on a separate product, and it gives the rental company a clear, verifiable source of coverage before handing over the keys.
What to ask your broker
Before you book, a five-minute call to your insurer or broker answers everything. Ask:
- “Do I have OPCF 27 (or FAQ 27) on my policy?” Some policies include it already.
- “What is the coverage limit?” Make sure it is high enough for the vehicle you plan to rent — luxury and performance cars are often worth far more than an everyday vehicle.
- “What is my deductible?” So you know your exposure if something happens.
- “Are there any restrictions?” For example on vehicle value, vehicle type or rental duration.
- “Can you email me proof?” A declarations page or endorsement confirmation is what you'll upload during verification.
How to add it if you don't have it
Call your insurer or broker and ask to add the OPCF 27 (Ontario) or endorsement 27 (Quebec) to your auto policy. It's a common request, the premium change is typically modest, and it can often be done quickly — sometimes the same day. Ask for updated documents showing the endorsement once it's added.
What Capital Exotics asks for
- An active personal auto insurance policy with OPCF 27 (Ontario residents) or FAQ 27 (Quebec residents).
- A valid full G licence or an international equivalent.
- Both are uploaded during the verification step after you send your booking request. Our concierge team reviews your documents before handover so pickup is fast.
Visiting from outside Ontario or Quebec? Contact our team before booking and we'll go through your coverage with you.
What the endorsement doesn't cover
OPCF 27 and FAQ 27 deal with damage to the vehicle. They don't cover traffic violations, parking tickets or 407 ETR toll charges — those remain the responsibility of the designated driver. A refundable security deposit also applies to every rental (see our Ottawa rental guide for amounts by vehicle).
Frequently asked questions
How do I know if I already have OPCF 27?
Check your policy declarations page for “OPCF 27” or “Endorsement 27”, or simply call your broker — they can confirm in a minute.
Is OPCF 27 the same as a rental company's damage waiver?
No. OPCF 27 is part of your insurance policy and extends your coverage to a vehicle you rent. A damage waiver is a separate product sold by some rental companies.
Does it cost a lot to add?
Pricing varies by insurer, but it's a standard endorsement and the change to your premium is usually small. Your broker can quote it on the spot.
This article is general information, not insurance advice. Coverage, limits and wording vary between insurers — always confirm the details of your own policy with your insurer or broker.
