Understanding OPCF #35: Emergency Roadside Service Coverage

Car troubles can occur when you least expect them, and being stranded on the side of the road is a situation most drivers dread. Thankfully, auto insurance policies offer provisions like OPCF #35, aka emergency roadside service coverage, to alleviate these worries.

Now you may be wondering what in the world does “OPCF #35” mean? Well let’s get into it and explore what OPCF #35 coverage entails and why it’s an essential component of your auto insurance policy.

What is OPCF #35?

OPCF #35 stands for Ontario Policy Change Form 35, which specifically pertains to the coverage for emergency roadside services.

This endorsement is part of auto insurance policies in Ontario and is designed to provide financial assistance to drivers if their vehicle suddenly breakdowns or related issues while on the road.

What Does OPCF #35 Cover?

emergency roadside service coverage is structured to cover a range of services that drivers might require in an emergency. Here are some of the key benefits typically included under this endorsement:

• Towing Services
• Battery Boost
• Flat Tire Change
• Lockout Service
• Winching

Why Consider Adding Emergency Roadside Coverage?

Including OPCF #35 in your auto insurance policy comes with considerable benefits that can make a significant difference when you encounter unexpected vehicle issues. Here’s why you might want to add OPCF #35 to your policy.

• Peace of Mind: Knowing you have assistance available in case of a breakdown can ease the stress of driving long distances or in unfamiliar areas.
• Convenience: Arranging for emergency services yourself can be time-consuming and costly. This endorsement streamlines the process by connecting you with reliable service providers.
• Cost Savings: The expenses related to urgent roadside repairs can add up quickly. With OPCF #35, the costs are typically covered, often at a lower price than paying out-of-pocket.
• Comprehensive Coverage: OPCF #35 covers a wide range of potential roadside emergencies
• You don’t already have roadside assistance: this is a great coverage if you don’t already have roadside assistance and in some cases may be cheaper than what you are currently paying for roadside assistance.

Is this right for YOU?

OPCF #35 is a valuable addition to any Ontario auto insurance policy, but if you are unsure if you need it you can always reach out to your broker to see if it’s right for you. For example, you may already be paying for roadside assistance in which case you can see if this would be a cheaper alternative for you.

For more information, feel free to reach out to us and we’d be happy to help you.