What type of vehicles does OPCF 9 exclude from coverage?

The OPCF 9 endorsement, also known as the "Limitation of Coverage for Certain Types of Vehicles," specifically excludes coverage for amphibious automobiles. Amphibious vehicles are those that can operate both on land and in water, and due to their unique nature and the varied risks associated with their operation, they typically do not fall under the standard coverage provided by automobile insurance policies in Ontario. This means that if an amphibious automobile were involved in an accident or suffered damage while being operated, the insurance policy would not provide any coverage for that incident.

In contrast, standard passenger vehicles, marine use vehicles, and commercial trucks each have their own set of coverages within typical automobile insurance policies, as these vehicles are more conventional in nature and fit within the risk assessment criteria of standard policies. Therefore, they are not excluded under the same conditions as amphibious vehicles. The specific focus on amphibious automobiles helps delineate the types of vehicles that require different consideration with respect to insurance coverage, emphasizing the unique risks they present.