Which OPCF endorsement specifically addresses the suspension of coverage?

The OPCF 16 endorsement, known as "Additional Coverage - Suspension of Coverage," is designed specifically to address situations where a policyholder may wish to suspend their insurance coverage temporarily. This endorsement allows individuals to retain their policy while pausing specific types of coverage, usually for situations where the insured vehicle is not being used, such as during long-term storage or when the vehicle is no longer in operation for a certain period.

The value of the OPCF 16 endorsement lies in its flexibility, allowing policyholders to maintain their policy without having to cancel it entirely, which would require them to go through the process of reapplying for insurance if they wished to reinstate coverage later. This ensures continued protection during the suspension period and avoids potential gaps in coverage, which might expose the individual to liability or loss.

In contrast, the other endorsements listed have different purposes, such as additional coverage for specific vehicles or adjustments in coverage limits, rather than focusing on the temporary suspension aspect of the insurance coverage.