Davidson Cahill Morrison LLPToronto, ON · July 30, 2026Follow

No Coverage Until a Request Is Made: The Court of Appeal on Fleet Policies and OPCF 21A

A leased Honda Civic was in an accident in August 2020. It first appeared on a monthly fleet report a month later, and had been leased since 2017 without ever making the schedule of automobiles. In 2026 ONCA 553, the Court of Appeal held that OPCF 21A (c) means what its capital letters say: no coverage until a request for coverage is filed, and no coverage backdated to policy inception. Chris Morrison and Kathleen Lefebvre were counsel for the successful appellant.

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