You seem to be referring to a type of Ontario, Canada endorsement one can place on their personal auto insurance policy. OPCF stands for Ontario Policy Change Forms, formerly referred to as OEF for Ontario Endorsement Forms, according to the Financial Services Commission of Ontario (FSCO).

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

OPCF 16 and OPCF 17 are related so let's look at them both.

OPCF 16 and OPCF 17 are endorsements for the Suspension of Coverage and Reinstatement of Coverage on a vehicle you have listed on your Ontario personal auto insurance policy.

These policy change forms provide for the suspension and later reinstatement of coverage in the event the automobile described in your policy is laid up (off the roadway) for a period of not less than 45 days. The advantage of the OPCF 16 over the normal deletion of coverage is that the policy continues to provide certain Third Party Liability, Accident Benefits and Uninsured Automobile coverage while the described automobile is in storage.

The OPCF 16 endorsement allows one to retain underlying coverages when a vehicle is temporarily suspended from a policy. OPCF is thus referred to as the Suspension of Coverage Endorsement while OPCF is the Reinstatement of Coverage Endorsement since it reinstates the suspended vehicle back onto your policy. Once the car is out of suspension more coverage is put back on it and thus your rates would go up.

So the OPCF 16 suspends or cancels certain coverages from a car. The OPCF 17 then reinstates the coverages cancelled by the OPCF 16 endorsement.

If you have already paid for coverages that will be suspended than the once the OPCF is in place you would receive a refund. The form states that in return of the refund you agree to that the described automobile will be continuously taken out of use and not operated as of the effective date of this policy change.

The OPCF would normally be offered to insureds that are taking a car off the roadway, per the endorsement it would have to be for more than 45 days. It could be they are going overseas and putting the car in storage to travel, the car is inoperable and they know they will not fix it for some time or maybe it is a car only used in the summer or winter time.

For example if an insured's car is not used in winter their insurance representative could see about arranging a suspension of coverage endorsement (OPCF 16). This stops the Third-Party Liability and Collision coverage. Accident Benefits coverage (when you're a passenger in someone else's car or a pedestrian) and coverage for fire, theft, vandalism damage, etc. would still be provided while the insured stores their vehicle for the winter.

For more information on the OPCF 16 or any other Ontario Policy Change Forms check with your Canadian insurance representative or the FSCO.