Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Question: 1 / 475

Your insured has bought a snowmobile and advises you a fourteen year old son will also be operating it. You advise that:

Damage to the exterior of the building directly caused by Vandalism or Malicious Acts

You will add OPCF 32, Recreational Vehicle Endorsement to provide coverage for underage operator

Adding the OPCF 32, Recreational Vehicle Endorsement is the best option because it specifically provides coverage for underage operators. Option A is incorrect because it mentions coverage for vandalism or malicious acts, which is not relevant to the situation. Option C is incorrect because it states there is no coverage for the son at all, which is not necessarily true. Option D is incorrect because it mentions adding a different endorsement that does not specifically address the issue of underage operators.

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There is no coverage while the son is driving as he is under sixteen years of age and the coverage cannot be obtained

You will add the OPCF 44 Family Protection Endorsement, to cover any accident the son may have

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