Page ID: 4fe0

Full/partial vehicle decals, panel decals and vehicle wraps

Policy on full/partial vehicle decals, panel decals, and vehicle wraps under Own Damage Coverage.

Policy

Full/partial vehicle decals, panel decals and vehicle wraps are recognized to be vehicle equipment.

ICBC provides Own Damage Coverage on full/partial vehicle decals, panel decals and vehicle wraps when they meet:

specific conditions, and
the definition of permanently attached equipment.

Note: The ICBC Own Damage Coverage includes indemnity on a Replacement Cost, New Vehicle Replacement Plus, or Limited Depreciation basis when the coverage has been purchased for the vehicle.

Specific conditions

The conditions that must be met are

vehicle owner or lessee must have an insurable interest in the vehicle wrap/decal
depreciation may apply on replacement decals when the vehicle is repairable, and
consequential damage to the surface of the vehicle must be excluded when it is caused from removal of a wrap by the use of:
- any tool(s), and
- application of chemical solvent, or heat.

Permanently attached equipment

Refer to the definition of permanently attached equipment in the ICBC Autoplan Optional Policy – Division 5, Section 5.11, Coverage For Equipment.

Note: Wraps or coverings of a temporary nature that do not require a tool for removal are not covered as permanently attached equipment of a vehicle.

Types of vehicle

Types of vehicles that use the full/ partial vehicle decals, panel decals, and vehicle wraps:

If the vehicle is a ...	Then the…
rate group vehicle	Actual Cash Value (ACV) is subject to the $5000 limit for all permanently attached equipment not available from the vehicle manufacturer, and insured may purchase Extra Equipment coverage to cover in excess of the $5000 limit for permanently attached equipment not supplied and available from the vehicle manufacturer.
declared value vehicle	declared value must reflect the ACV inclusive of permanently attached equipment.