In Ontario, who typically would not benefit from having an OAP 2?

The OAP 2 endorsement in Ontario provides additional coverage and benefits to drivers, particularly for those who might not have robust insurance coverage in place. A driver with full insurance coverage typically already possesses comprehensive protection that extends beyond the basic requirements, which means they may not need the extra benefits that an OAP 2 provides. This includes additional coverage for situations like loss of use or increased liability coverage.

The other situations involve drivers who would likely benefit from the OAP 2. For example, a driver who frequently borrows vehicles might find value in extra protection to cover them when using someone else's car. Similarly, a driver who frequently rents cars may need the added coverage that comes with the endorsement, especially if their personal insurance doesn't extend to rental vehicles. A driver without a license would face challenges in obtaining any form of insurance, including the OAP 2, rendering it impractical for them to benefit from this endorsement. Thus, a driver with full insurance coverage stands out as the individual who would not see added benefits from the OAP 2 endorsement.