OPCF 27 coverage is an add-on Ontario drivers can append to their auto insurance policy. When you make an OPCF 27 claim for an accident you get into while driving someone else’s car, you’re essentially shielding their own insurance policy from the collision, thereby avoiding impact to their claim history and, subsequently, their premiums.   Typically, it provides physical damage, theft, third-party liability, and accident benefits coverage when you’re driving a vehicle that you don’t own.   Some common scenarios where you could benefit from OPCF 27 coverage include when: