Ontario Automobile Policy (OAP 1) Owner's Policy, OAP 1-EN.5 (07-2026)

Worth knowing about this source

Two editions of OAP 1 are in circulation and they differ in one place. Section 4.2.1 sets which benefits an insurer pays within 10 business days of a complete application and which within 30 days. The edition bound into the RIBO examinee resource, EN.4, names the Housekeeping and Home Maintenance Benefit in both sentences. The current FSRA edition, EN.5 (07-2026), names it only in the 10-business-day sentence. The benefit is payable under both, so the newer edition dropped a duplicate listing rather than the benefit. The copy open in the exam room is the RIBO bundle.

The edition at the foot of a page does not always match the edition in the heading. The heading reads OAP 1-EN.5 (07-2026). Sixty-one of the sixty-eight pages carry a footer, and nine of those, pages 9 to 17, read OAP1-EN.4 (07-2026) while the other fifty-two read EN.5. The file is the EN.5 edition published by the Financial Services Regulatory Authority of Ontario and is registered as that edition, so the nine footers are an artefact of the document as it was set. Cite the edition in the heading.