Ace the 2026 RIBO Exam – Boost Your Insurance Broker Swagger!

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Your insured has brought a snowmobile and has called to advise you that his 14 year old daughter will also be driving. What do you advise regarding the existing OAP 1 policy?

A. To add OPCF44 Family Protection to provide enhanced coverage for the daughter as an operator.

B. To add OPCF32 which provides coverage for unlicensed operators when driving the snowmobile off the road.

The correct course of action would be to add OPCF32 for unlicensed operators as the daughter is only 14 years old and therefore not old enough to obtain a license. This option would provide coverage for her in case of any accidents while driving off the road. Option A, adding OPCF44, would not provide coverage as the daughter is not listed on the policy as an insured driver. Option C suggests that taking a snowmobile course would provide full coverage, but it does not address the issue of her being unlicensed. Option D is incorrect as it is not illegal for a 14 year old to drive a snowmobile and the policy could provide some coverage in case of an accident.

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C. That the daughter should be fully covered as long as she takes a Snowmobile Association approved operators course.

D. There is no coverage, as a person that young should not be driving a dangerous machine.

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