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ONTARIO AUTO EXAM (RIBO) Questions
and Correct Answers
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. Ans: 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
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C. Vandalism
D. Fire
(P48. only fire + lightening /no deductible for fire + lightening)
Ans: 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
© 2025 All rights reserved
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in reality) Ans: 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. Ans: 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:
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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. Ans: 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
© 2025 All rights reserved
ONTARIO AUTO EXAM (RIBO) Questions
and Correct Answers
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. Ans: 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
© 2025 All rights reserved
, 2 | Page
C. Vandalism
D. Fire
(P48. only fire + lightening /no deductible for fire + lightening)
Ans: 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
© 2025 All rights reserved
, 3 | Page
in reality) Ans: 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. Ans: 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:
© 2025 All rights reserved
, 4 | Page
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. Ans: 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
© 2025 All rights reserved
