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Vehicle decals, panel decals, and wraps policy

Full and partial vehicle decals, panel decals, and wraps are recognized to be vehicle equipment under Own Damage coverage.

Applicability

ICBC provides Own Damage coverage on full and partial vehicle decals, panel decals, and vehicle wraps when they meet the

specific conditions, and
definition of permanently attached equipment.

Note: 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 or 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 tools, and
- application of chemical solvent or heat.

Permanently attached equipment

As per 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 or partial vehicle decals, panel decals, and wraps are listed in the table.

Vehicle type	Coverage
Rate group vehicle	Actual Cash Value (ACV) is subject to the $5,000 limit for all permanently attached equipment not available from the vehicle manufacturer, and customer may purchase Extra Equipment coverage to cover in excess of the $5,000 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.