Can I freeze my car insurance in Ontario?

Yes, you can suspend coverage using the OPCF 16 endorsement to significantly lower premiums while your vehicle is parked. This maintains Comprehensive coverage for fire and theft but removes liability and collision. For refrigerated trucks, this typically saves 40-60% per month, provided the suspension lasts at least 45 days.

Suspending Coverage for Commercial Vehicles

• OPCF 17 is required to reinstate road coverage; driving a suspended truck voids all insurance protections.
• Leasing companies often mandate maintaining full coverage unless you provide specific proof of secure storage.
• You must keep Reefer Breakdown insurance active if the refrigeration unit continues operating while the truck is parked.

Request the OPCF 16 form from your broker immediately, as Ontario insurers cannot backdate coverage suspensions. Confirm your policy specifically allows lay-ups for seasonal reefer operations before taking the unit off the road.