In addition to the completed and signed application for automobile insurance, which two documents are included as part of an automobile policy?

In Ontario, a legally binding automobile insurance policy is comprised of three key parts. The first is the completed and signed application, which contains the insured's representations. The second is the Certificate of Automobile Insurance, which includes the declarations page outlining the specific coverages, limits, and insured details. The third is the Ontario Automobile Policy (OAP) 1, which is the standard policy wording booklet containing all the terms, conditions, and insuring agreements for the contract.

B. The proof of insurance card (pink slip) is evidence of insurance but is not the full contractual document; the Certificate of Automobile Insurance is.

C. Endorsements modify the policy but are not the core documents themselves. The proof of insurance card is not a primary contractual document.

D. The accident benefits checklist is an informational document provided to the consumer but does not form part of the legal insurance contract.

1. Insurance Institute of Canada. (2016). C130: Essential Skills for the Insurance Broker and Agent. Chapter 7, Automobile Insurance—The Application. The text identifies the three parts of the contract as the application, the policy (OAP 1), and the Certificate of Automobile Insurance.

2. Financial Services Regulatory Authority of Ontario (FSRA). (2022). Ontario Automobile Policy (OAP 1) Owner's Policy. General Provisions, Conditions, and Statutory Conditions. The policy itself references the application and declarations (found on the Certificate) as forming part of the contract.

3. Insurance Act, R.S.O. 1990, c. I.8, Part VI - Automobile Insurance. The Act outlines the requirements for a contract of automobile insurance, which includes the application and the issuance of a policy and certificate.