Last updated 2026-08-13

Custom refinish allowance

Summary of the coverage limits on custom refinishing allowances.

Limits of coverage

The maximum amount of custom refinishing allowances varies depending on the customer purchasing additional coverage.

Coverage	Limits of coverage
Customer has no additional coverage.	Custom paint is covered up to $5,000 above the appropriate Mitchell Cloud Estimating (MCE) or the applicable paint chart times.
Customer has Extra Equipment coverage on their Owner's Certificate of Insurance and Vehicle Licence (APV250), or Storage Policy (APV345).	Custom paint is covered in excess of $5,000, and to a maximum of the specific excess amount of coverage the customer has purchased.

Note: Appropriate MCE or paint chart rates are applied at default two stage rates. Vehicles with a tri-coat factory finish are allotted three stage or greater if equipped, prior to the custom refinish allowance. The $5,000 limit

is the aggregate amount for all additional equipment excluding wheelchair mods, and the $1,000 sound or communication limit, and
does not apply to declared value vehicles.

For additional information, refer to Autoplan Optional policy, Section 5.11 Coverage for equipment.