Legal minimum is not the finance-contract minimum
Collision/comprehensive may be required by the lender or lessor.
OPCF 5 relates to leased vehicles
This endorsement extends policy coverage to a vehicle owned by a leasing company.
Depreciation protection may be offered
OPCF 43 can be relevant to newer vehicles where available.
Read both contracts
The insurance policy and finance/lease agreement create separate obligations.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.