Loss of Use coverage

If you're unable to use your vehicle because of a claim, you could face extra costs to get from A to B. Loss of Use can cover the cost of substitute transportation while we process the claim.

What's included

While we process a claim,* Loss of Use covers the expenses incurred to

• hire a taxi
• rent a substitute vehicle
• take public transit,
• or use any combination of the above.

Loss of Use coverage applies from the time of the claim until

• your vehicle is repaired
• you're offered a total loss settlement, or
• you reach the limit of your coverage—whichever happens first.

Rental vehicles

Note: The amount paid for rental vehicles is limited to vehicle makes and models specified by ICBC that are similar in size to your own vehicle.

ICBC reimburses up to the daily limit purchased. (If the daily limit isn't enough, you must pay the remaining charges to the rental company.)

Drivers under 21 may not be eligible for a rental vehicle.

How to buy Loss of Use

To buy** Loss of Use coverage, you also must have Collision, Comprehensive or Specified Perils insurance.

Loss of Use is also available as part of our RoadStar or RoadsidePlus package.

To find out more, talk to your Autoplan broker.

Stolen vehicles

If your vehicle is stolen and you have Comprehensive or Specified Perils coverage, you automatically get Loss of Use coverage.

Coverage begins 72 hours after the theft is reported to police. Coverage ends on the earlier of

• the completion of repairs to the recovered vehicle
• ICBC settling or offering to settle the claim, or
• reaching the limit of your coverage (up to $40 per day to a maximum of $800).

^* Loss of Use doesn't apply when the amount claimed in damages is less than your deductible.
** Loss of Use cannot be purchased for taxis, limousine-use and u-drive vehicles.