An endorsement number is not a coverage answer by itself. Read the actual form with the Garage Certificate of Insurance and OAP 4 wording, then confirm that the names, vehicles, limits and conditions match the business.
Official endorsement forms
FSRAO publishes each O.E.F. form. Read the one listed on your certificate, not only its title.
Why endorsements matter
OAP 4 is the standard garage automobile policy, but the issued contract also includes the application, certificate and any endorsements. An endorsement can materially change who may drive, which automobiles receive physical-damage coverage, how customer vehicles are treated, or what deductible applies. Some forms are optional, some apply only in particular circumstances and insurer availability can differ.
Optional accident benefits and policy changes
OEF 47R addresses optional accident benefits coverage and priority of payment in the garage context. OEF 72 records multiple alterations, while OEF 85 addresses final premium computation. These forms are administrative in appearance but can affect what the certificate shows and how the final policy is understood. Use the version applicable to the policy period.
Drivers and additional insured persons
Driver-related forms deserve close attention because they may limit or extend who receives particular coverage. OEF 70 is the Named Chauffeur Endorsement. OEF 76 adds specified persons under its terms. OEF 78 reduces coverage for named persons, and OEF 78A excludes a named driver. OEF 82 concerns named persons driving non-owned or other automobiles. Confirm every driver’s status and do not rely on a name merely appearing somewhere in the file.
- OEF 70 — Named Chauffeur
- OEF 76 — Additional Insured
- OEF 78 — Reduction of Coverage for Named Persons
- OEF 78A — Excluded Driver
- OEF 82 — Non-Owned and Other Automobiles for Named Persons
Owned automobiles and inventory
Forms affecting owned automobiles include OEF 71, which excludes owned automobiles; OEF 73, which excludes financed automobiles under its terms; OEF 79, which changes the fire deductible; OEF 80, which schedules physical-damage coverage for specified owned automobiles; and OEF 84, which addresses an agreed limit for eligible electronic accessories and equipment. A repairer should compare these forms with actual ownership and inventory financing.
- OEF 71 — Excluding Owned Automobiles
- OEF 73 — Excluding Financed Automobiles
- OEF 79 — Owned Automobiles Fire Deductible
- OEF 80 — Specified Owned Automobile Physical Damage
- OEF 84 — Agreed Limit for Electronic Accessories and Equipment
Customer automobiles, theft and open lots
OEF 75 concerns open-lot theft of customer automobiles. OEF 77 addresses comprehensive damage to a customer’s automobile, including open-lot theft in its title, and OEF 86 changes the fire deductible for customer automobiles. OEF 74 is the corresponding open-lot theft form for owned automobiles. The Facility Association manual notes availability limitations for some open-lot forms, which is one reason a generic list cannot replace an insurer-specific review.
- OEF 74 — Open Lot Theft, Owned Automobiles
- OEF 75 — Open Lot Theft, Customer Automobiles
- OEF 77 — Comprehensive Damage to a Customer’s Automobile
- OEF 86 — Customer Automobiles Fire Deductible
Towing, transportation and other special situations
OEF 83 is the Automobile Transportation Endorsement and may be relevant when more than one vehicle is towed or carried, subject to its wording and insurer rules. OEF 81 is Garage Family Protection. OEF 87 addresses added coverage to offset tort deductibles. Facility Association also identifies an FA82 deductible form for certain higher-value customer-vehicle situations. Each solves a different problem; none should be selected from the title alone.
Questions to ask at renewal
Request a complete endorsement schedule and compare it with the prior term. For every form, ask what changed, why it applies, which section of OAP 4 it modifies, what premium or deductible effect appears on the certificate, and whether a person, automobile or operation is now restricted. New plates, drivers, inventory, towing, open-lot storage or high-value customer vehicles can make an old schedule inaccurate.
- What does this endorsement add, restrict or exclude?
- Which person, vehicle, location or policy section does it affect?
- Is a premium, limit or deductible shown on the certificate?
- Does the form apply for the entire term or from a change date?
- Has the business changed since the endorsement was issued?
Common questions
What is an OAP 4 endorsement?
It is a form that changes or clarifies the Ontario Garage Automobile Policy. The endorsement must be read with the application, certificate, standard wording and other issued forms.
Do endorsements always add coverage?
No. An endorsement may add coverage, reduce it, exclude a driver or automobile, change a deductible, or record a policy alteration.
Are all garage-policy endorsements available from every insurer?
Do not assume so. Availability, underwriting and required forms can vary by insurer and circumstance. The Facility Association manual also identifies specific availability restrictions for some forms.
What is OEF 71?
O.E.F. 71 is the Excluding Owned Automobiles Endorsement. In exchange for a reduced premium, it states that Sections 1 to 5 of the garage policy do not apply to loss or damage arising from the ownership, use or operation of any automobile owned, hired or leased by, or licensed in the name of, the insured. Confirm actual vehicle ownership before accepting it.
What is OEF 77?
O.E.F. 77 is the Liability for Comprehensive Damage to a Customer’s Automobile Endorsement (Including Open Lot Theft). It amends subsection 6.4 of Section 6 on the certificate to show comprehensive coverage, excluding collision or upset, for customers’ automobiles, with a limit, maximum number of customer automobiles and deductible by location. Availability varies by insurer.
What is an excluded-driver endorsement?
OEF 78A identifies a named excluded driver under the form’s terms. The consequences are significant; the issued endorsement and policy must be reviewed carefully before that person operates any automobile connected with the garage business.
Is there an endorsement for towing more than one vehicle?
OEF 83 is the Automobile Transportation Endorsement. Whether it is available and suitable depends on the towing or carrying operation, number of vehicles and issued terms.
Where can I find the endorsements on my policy?
Start with the policy package and Garage Certificate of Insurance. Ask the broker for the complete schedule and copies of every endorsement listed.
Primary sources
Use the current official wording and your own certificate when making a coverage decision.