Registered Insurance Brokers of Ontario (RIBO) Practice Exam

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Prepare for the Registered Insurance Brokers of Ontario Test. Study with comprehensive flashcards and multiple choice questions, each question provides hints and detailed explanations. Ace your exam with confidence!

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O.P.F./O.A.P. #6, Non Owned Automobile Insurance Form is designed to protect:

An employer whose employees drive his/her vehicles which they do not own
An employee who drives vehicles owned by his/her employer
An employer whose employees drive their own vehicles in the course of his/her business
An employer who occasionally drives one of his/her employee's automobiles

The correct answer is: An employer whose employees drive their own vehicles in the course of his/her business

The Non Owned Automobile Insurance Form is primarily intended to protect employers from liability in the event that one of their employees is operating their own vehicle for business purposes. It does not provide protection for vehicles owned by the employer or for employees driving employer-owned vehicles. Option A and B are both incorrect because they refer to vehicle ownership, which is not a factor in determining coverage under this form. Option D is also incorrect because it does not pertain to an employee using their own vehicle while conducting business on behalf of their employer.