Loss of Use priority of payment

Customers with more than one source of Loss of Use (LOU) coverage can access all sources for their claim. The order in which each source of coverage is accessed, and payments are made, is determined by the priority specified in the ICBC Autoplan Optional Policy Booklet (APG33).

Multiple sources of LOU coverage

Customers who have more than one source of LOU may not stack coverages for a greater daily limit. However, multiple sources of LOU coverage may be used to extend the total limit.

Priority of payment

LOU coverage is accessed based on a priority sequence when the customer has multiple sources of LOU coverage available.

Priority	Loss of Use coverage	Details
First	RoadStar package, or Roadside Plus package	For all policies purchased or renewed with an effective date of February 1, 2024 or later, the total limit available for customers under RoadStar is $900, and Roadside Plus is $1200. Refer to the Addendum to Autoplan Optional Policy (APG33N) for Division 6 - RoadStar Package, Section 6.2, Loss of use coverage, and Division 7 - Roadside Plus Package, Section 7.2, Loss of use coverage.
First	RoadStar package, or Roadside Plus package	For all policies purchased or renewed with an effective date of January 31, 2024 or earlier, the total limit available for customers under RoadStar is $500, and Roadside Plus is $750. The daily limit is $100 for all vehicles, under Autoplan Optional Policy (APG33) for Division 6 - RoadStar Package, Section 6.2, Loss of use coverage, and Division 7 - Roadside Plus Package, Section 7.2, Loss of use coverage. Exception: Motor home limit is $1000 per claim under both RoadStar and Roadside Plus.
Second	Optional Loss of Use when the customer does not have RoadStar or Roadside Plus, or available limits under RoadStar or Roadside Plus are exhausted.	The daily limit is the limit set out in the owner's certificate. LOU provided under Optional Policy, Division 5 - Own Damage Coverage, Part 2B - Loss of Use, Section 5.14, Loss of use coverage.
Third	Loss of Use Due to Theft, when the customer has purchased Comprehensive coverage, or Specified Perils coverage.	The daily limit is $40. LOU provided under Optional Policy, Division 5 - Own Damage Coverage, Part 2A - Collision, Comprehensive, and Specified Perils, Section 5.13, Loss of use due to theft.
Fourth	Basic Vehicle Damage coverage for the percentage the customer is not responsible and when the customer does not have Optional LOU coverage exhausted all other LOU coverage limits, or only carries LOU coverage with a private insurer. Note: This applies to claims with a date of loss (DOL) on May 1, 2021, or later	There is no applicable daily limit for LOU under BVDC. Important: For claims with a DOL on May 1, 2021, or later, LOU payments are applied directly to the Basic Vehicle Damage coverage exposure only when subrogation is received from a private insurer the customer has no Optional LOU coverage, or exhausted all other LOU coverage limits.
Fifth	The responsible party's Third Party Liability (TPL) coverage, for the percentage that the customer is not responsible.	The total limit is set out in the owner's certificate

Exception: The priority of coverage can be modified for customers whose vehicle is stolen and LOU coverage has a daily limit of less than $40. In this case, the priority may be modified so the customer can use a higher daily limit first.

Loss of Use priority of payment

Multiple sources of LOU coverage

Priority of payment

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