What damage type does not apply to Loss or Damage Coverages under OAP 1?

The coverage types offered under the Ontario Automobile Policy (OAP 1) specifically outline certain perils eligible for loss or damage coverage. Fire is generally excluded from these specific coverages, which focus primarily on collision-related incidents rather than non-collision incidents that could cause damage.

In the context of OAP 1, loss or damage coverage typically includes perils like theft, vandalism, and certain types of collisions. However, fire damage generally falls outside of the typical loss or damage coverage options, thus not being applicable under OAP 1.

Windstorm, explosion, and vandalism are typically included in loss or damage coverages because they can occur with respect to the covered automobile and can significantly impact the insured vehicle, hence making them covered risks. Fire, while a danger, is treated differently under automobile policies, focusing on other types of protection or coverage that may not fall within the usual automobile insurance parameters.