ONTARIO: AUTO EXAM (RIBO) Final
Exam with Guaranteed Pass Solutions
2026-2027 Updated.
Your client calls to advise he/she needs insurance on a car leased from an automobile dealer.
Which one (1) of the following policies is required?
A. O.A.P. 1 Owner Form, suitably endorsed.
B. O.P.F. #2 Driver's Form.
C. O.P.F. #6 Non-owned Automobile Form, suitable endorsed.
D. Garage Auto Form, suitably endorsed. - Answer A. O.A.P. 1 Owner Form, suitably
endorsed.
Insurance under O.A.P. 1 Owner's Form, Section 7, Loss or Damage Coverages, is usually subject
to a deductible. It does not apply to damage caused by:
A. Windstorm
B. Explosion
C. Vandalism
D. Fire
(P48. only fire + lightening /no deductible for fire + lightening) - Answer D. Fire
Uninsured Automobile coverage:
A. Must be added by endorsement to O.A.P. Owner's Form
B. Only cover's bodily injury, but never property damage.
C. Can cover accidental damage to the insured's automobile, provided the uninsured owner or
the driver of the actual automobile is identified.
D. Provides coverage for third parties if the insured causes bodily injury and has breached a
statutory condition.
P.30 52.3 (Uninsured needs to be identified in order to be categorized under uninsured
insurance hence needs to be identified first, to make sure he did not have coverage/insurance in
reality) - Answer C. Can cover accidental damage to the insured's automobile, provided the
uninsured owner or the driver of the actual automobile is identified.
,A client phones to tell you he has brought a high-end stereo system costing $5,000, which has
been installed in his car. What should you tell him?
A. Be sure to always lock the car, as there is no coverage if the system costing $5,000 is stolen
when the car is unlocked.
B. There is no coverage on the system without an approved security system in the car.
C. No further action is needed. The new system is automatically covered under his O.A.P. 1
Owners's Form as a part of the car.
D. To provide you with a copy of the invoice so you can have his O.A.P. 1 Owner's Form endorsed
to cover its full value. - Answer D. To provide you with a copy of the invoice so you can have
his O.A.P. 1 Owner's Form endorsed to cover its full value.
One of the following statements is correct. Which one (1) is it? Electronic accessories or
equipment are covered under O.A.P. 1 Owner's Form:
A. For the full replacement cost.
B. Up to $2,500 if installed after the vehicle is purchased
C. For the actual cash value if factory installed.
D. For the actual cash value.
Page 52. - Answer C. For the actual cash value if factory installed.
Your insured parks his/her automobile at a shopping mall and on his/her return it has been
damaged by another vehicle. Your insured has O.A.P. 1 Owner's Form with Liability, Accident
Benefits, Comprehensive and OPCF44, Family Protection Endorsement coverages. What section
would cover the damage?
A. Comprehensive
B. OPCF 44, Family Protection Endorsement
C. Liability
D. There would be no coverage
This type of loss would be covered under Collision or All perils, and the insured does not have
either of those coverages. - Answer D. There would be no coverage.
Insured under Section 7 of O.A.P. 1 Owner's Form, Loss or Damage Coverages, is usually subject
to a deductible. It does not apply to loss or damage caused by:
,A. Water
B. Lightening
C. Vandalism
D. Windstorm
Page 48.: If you are insured for loss or damage caused by fire or lightening, there is no
deductible for these losses. - Answer B. Lightening
Your insured calls to report while ice fishing on Lake Simcoe his/her automobile went through
ice. He/she has O.A.P. 1 Owner's Form with Liability, Accident Benifits and Comprehensive
Coverages. The insurer:
A. Would pay the claim in full
B. Would not pay the claim, as there is no coverage.
C. Would pay the claim, less deductible
D. Would not pay the claim, as the automobile was not being operated on a public highway.
P44. Loss would be covered under Comprehensive Coverage. - Answer C. Would pay the
claim, less deductible
The Facility Association is :
A. A group of insurance carriers that write the insurance risks on automobiles owned by their
agents/brokers and their staff.
B. A reinsurance device for accommodating automobile policyholders who wish to have
particularly high limits of insurance.
C. An insurance pool subscribed to by all automobile insurance carriers that share the writing of
risks not ordinarily written in the regular market or normal market.
D. The provincial government insurance office charged with the responsibility of accepting
applications from all automobile owners who cannot get insurance anywhere. - Answer C. An
insurance pool subscribed to by all automobile insurance carriers that share the writing of risks
not ordinarily written in the regular market or normal market.
The insured's automobile is broken into and some articles are taken. Specified perils will cover:
A. Musical instruments that were in the trunk.
B. The bumper jack belonging to the automobile.
C. The insured's raincoat
, D. Property of the insured's passengers.
A,C,D would be covered under "All Perils" , not specified perils. See P 44. - Answer B. The
bumper jack belonging to the automobile.
If the insured drove his automobile in to his garage door, what would be included under the
Own Damage coverage on his automobile policy?
A. Both the auto and the door.
B. Neither the auto nor the door.
C. The auto.
D. The door. - Answer C. The auto.
The insured leaves a tavern, gets in his auto in an intoxicated state, and causes and accident on
the way home. Which of the following would be not covered?
A. Collision damage to his automobile.
B. Damage to a telephone pole.
C. Damage to another automobile.
D. Medical and surgical expenses required as a result of the injuries he sustains.
Own damage is not covered when DUI. Only 3P Lia/Accident Benefits are covered. - Answer
A. Collision damage to his automobile.
Under Loss of Use (subsequent to a theft of an automobile), reimbursement begins:
A. 24 hours after the theft has been reported to the insurer.
B. 24 hours after the theft has been reported to the police.
C. 48 hours after the theft has been reported to the insurer or to the police.
D. 72 hours after the theft has been reported to the insurer or to the police. - Answer D. 72
hours after the theft has been reported to the insurer or to the police.
A cigarette sets the automobile seat on fire and causes $450 damage. The policy shows a $300
deductible under Specified Perils. The insurer would pay:
A. $0
B. $150
Exam with Guaranteed Pass Solutions
2026-2027 Updated.
Your client calls to advise he/she needs insurance on a car leased from an automobile dealer.
Which one (1) of the following policies is required?
A. O.A.P. 1 Owner Form, suitably endorsed.
B. O.P.F. #2 Driver's Form.
C. O.P.F. #6 Non-owned Automobile Form, suitable endorsed.
D. Garage Auto Form, suitably endorsed. - Answer A. O.A.P. 1 Owner Form, suitably
endorsed.
Insurance under O.A.P. 1 Owner's Form, Section 7, Loss or Damage Coverages, is usually subject
to a deductible. It does not apply to damage caused by:
A. Windstorm
B. Explosion
C. Vandalism
D. Fire
(P48. only fire + lightening /no deductible for fire + lightening) - Answer D. Fire
Uninsured Automobile coverage:
A. Must be added by endorsement to O.A.P. Owner's Form
B. Only cover's bodily injury, but never property damage.
C. Can cover accidental damage to the insured's automobile, provided the uninsured owner or
the driver of the actual automobile is identified.
D. Provides coverage for third parties if the insured causes bodily injury and has breached a
statutory condition.
P.30 52.3 (Uninsured needs to be identified in order to be categorized under uninsured
insurance hence needs to be identified first, to make sure he did not have coverage/insurance in
reality) - Answer C. Can cover accidental damage to the insured's automobile, provided the
uninsured owner or the driver of the actual automobile is identified.
,A client phones to tell you he has brought a high-end stereo system costing $5,000, which has
been installed in his car. What should you tell him?
A. Be sure to always lock the car, as there is no coverage if the system costing $5,000 is stolen
when the car is unlocked.
B. There is no coverage on the system without an approved security system in the car.
C. No further action is needed. The new system is automatically covered under his O.A.P. 1
Owners's Form as a part of the car.
D. To provide you with a copy of the invoice so you can have his O.A.P. 1 Owner's Form endorsed
to cover its full value. - Answer D. To provide you with a copy of the invoice so you can have
his O.A.P. 1 Owner's Form endorsed to cover its full value.
One of the following statements is correct. Which one (1) is it? Electronic accessories or
equipment are covered under O.A.P. 1 Owner's Form:
A. For the full replacement cost.
B. Up to $2,500 if installed after the vehicle is purchased
C. For the actual cash value if factory installed.
D. For the actual cash value.
Page 52. - Answer C. For the actual cash value if factory installed.
Your insured parks his/her automobile at a shopping mall and on his/her return it has been
damaged by another vehicle. Your insured has O.A.P. 1 Owner's Form with Liability, Accident
Benefits, Comprehensive and OPCF44, Family Protection Endorsement coverages. What section
would cover the damage?
A. Comprehensive
B. OPCF 44, Family Protection Endorsement
C. Liability
D. There would be no coverage
This type of loss would be covered under Collision or All perils, and the insured does not have
either of those coverages. - Answer D. There would be no coverage.
Insured under Section 7 of O.A.P. 1 Owner's Form, Loss or Damage Coverages, is usually subject
to a deductible. It does not apply to loss or damage caused by:
,A. Water
B. Lightening
C. Vandalism
D. Windstorm
Page 48.: If you are insured for loss or damage caused by fire or lightening, there is no
deductible for these losses. - Answer B. Lightening
Your insured calls to report while ice fishing on Lake Simcoe his/her automobile went through
ice. He/she has O.A.P. 1 Owner's Form with Liability, Accident Benifits and Comprehensive
Coverages. The insurer:
A. Would pay the claim in full
B. Would not pay the claim, as there is no coverage.
C. Would pay the claim, less deductible
D. Would not pay the claim, as the automobile was not being operated on a public highway.
P44. Loss would be covered under Comprehensive Coverage. - Answer C. Would pay the
claim, less deductible
The Facility Association is :
A. A group of insurance carriers that write the insurance risks on automobiles owned by their
agents/brokers and their staff.
B. A reinsurance device for accommodating automobile policyholders who wish to have
particularly high limits of insurance.
C. An insurance pool subscribed to by all automobile insurance carriers that share the writing of
risks not ordinarily written in the regular market or normal market.
D. The provincial government insurance office charged with the responsibility of accepting
applications from all automobile owners who cannot get insurance anywhere. - Answer C. An
insurance pool subscribed to by all automobile insurance carriers that share the writing of risks
not ordinarily written in the regular market or normal market.
The insured's automobile is broken into and some articles are taken. Specified perils will cover:
A. Musical instruments that were in the trunk.
B. The bumper jack belonging to the automobile.
C. The insured's raincoat
, D. Property of the insured's passengers.
A,C,D would be covered under "All Perils" , not specified perils. See P 44. - Answer B. The
bumper jack belonging to the automobile.
If the insured drove his automobile in to his garage door, what would be included under the
Own Damage coverage on his automobile policy?
A. Both the auto and the door.
B. Neither the auto nor the door.
C. The auto.
D. The door. - Answer C. The auto.
The insured leaves a tavern, gets in his auto in an intoxicated state, and causes and accident on
the way home. Which of the following would be not covered?
A. Collision damage to his automobile.
B. Damage to a telephone pole.
C. Damage to another automobile.
D. Medical and surgical expenses required as a result of the injuries he sustains.
Own damage is not covered when DUI. Only 3P Lia/Accident Benefits are covered. - Answer
A. Collision damage to his automobile.
Under Loss of Use (subsequent to a theft of an automobile), reimbursement begins:
A. 24 hours after the theft has been reported to the insurer.
B. 24 hours after the theft has been reported to the police.
C. 48 hours after the theft has been reported to the insurer or to the police.
D. 72 hours after the theft has been reported to the insurer or to the police. - Answer D. 72
hours after the theft has been reported to the insurer or to the police.
A cigarette sets the automobile seat on fire and causes $450 damage. The policy shows a $300
deductible under Specified Perils. The insurer would pay:
A. $0
B. $150
