What OPCF 13C does
OPCF 13C is an Ontario Policy Change Form that modifies the deductible structure on your comprehensive coverage so that glass claims — windshield, side windows, sunroof, glass moonroof — are handled with a different deductible (typically lower or zero) than other comprehensive losses.
Without the endorsement, a windshield replacement is treated like any other comprehensive claim: you pay your full comprehensive deductible (often $500 or $1,000) before the carrier pays anything. With OPCF 13C in place, the glass deductible can be set independently, often at zero or a nominal amount.
When it pays off
Glass claims are the most predictable comprehensive event. Highway rock chips on the 401, 400, and 407 are routine, and the cost of a modern windshield replacement (especially on a vehicle with lane-departure or ADAS sensors that require recalibration) has climbed sharply over the last decade.
For drivers who commute on Ontario highways daily, drive vehicles with ADAS-equipped windshields, or simply want predictable out-of-pocket on the one comprehensive peril they are most likely to claim against, the math on adding OPCF 13C usually works. The annual premium for the endorsement is modest relative to the deductible savings on a single windshield claim.
For drivers who claim glass rarely and have a low overall comprehensive deductible already, the endorsement is less compelling — the savings only show up if you actually claim.
How it interacts with comprehensive
OPCF 13C does not change your underlying comprehensive coverage or your standard comprehensive deductible. It carves out one specific peril (glass) and sets a different deductible for that peril only.
If your windshield is damaged in a collision (as opposed to a rock chip), the loss may be paid under collision coverage rather than comprehensive, in which case your collision deductible applies, not the OPCF 13C glass deductible. Confirm with your broker how your carrier categorizes specific events.
What it does not cover
OPCF 13C only modifies the deductible for glass perils. It does not extend coverage to anything that is not already covered under your comprehensive section, and it does not turn an excluded loss into a paid one.
It also does not cover non-glass damage that happens around the glass — for example, a rock that cracks the windshield and dents the hood is still subject to your comprehensive (or collision) deductible on the body damage.
How to add it
Add OPCF 13C through your broker or carrier as an endorsement on your existing policy. It is normally available at any point during the policy term, though some carriers prefer to add endorsements at renewal.
Pricing varies by carrier, vehicle, and driving record. Ask for the annual cost of the endorsement and compare it to your current comprehensive deductible — the break-even is usually one glass claim every two-to-four years.
Frequently asked
Will a glass claim under OPCF 13C affect my premium?
Glass claims are tracked but, in most Ontario carrier rating models, single-event glass claims do not affect your driving record or trigger a premium surcharge the way at-fault collisions do. Frequent glass claims may be reviewed at renewal. Confirm specifics with your broker — practices vary by carrier.
Does OPCF 13C cover sunroof and side-window glass?
Usually yes — the endorsement applies to glass perils generally under comprehensive, which includes side windows, rear windows, sunroofs, and moonroofs in addition to the windshield. Exact scope depends on the carrier’s wording; ask for the endorsement language if there is any doubt.
Do I still need OPCF 13C if my windshield repair is free?
Many carriers waive the deductible for chip repair (as opposed to full replacement) regardless of whether OPCF 13C is in place, because chip repair costs less than the administrative cost of processing a deductible. OPCF 13C primarily helps on full replacements, where deductibles otherwise apply.
Does it apply if the glass is damaged in a collision?
Generally no. If glass damage is caused by a collision, the loss is usually paid under collision coverage, where your collision deductible applies. OPCF 13C is targeted at glass losses that fall under comprehensive — chips, cracks from road debris, vandalism, weather.