What is the goal of OPCF 40?

The goal of OPCF 40, also known as the "Ontario Policy Change Form 40," is to provide a fire deductible specifically for losses caused by fire or lightning. When an insured vehicle experiences damage due to fire or lightning, the OPCF 40 form can be used to modify the auto insurance policy by adding a specific deductible for these types of claims. This allows policyholders to better manage potential losses related to fire incidents involving their vehicles, offering a degree of financial protection against such damages.

The other choices, while pertaining to various aspects of automobile insurance, do not represent the primary purpose of OPCF 40. It does not primarily deal with increasing coverage limits, covering natural disasters, or extending policy terms, as those are covered under different provisions within the insurance framework.