The Loss of Vehicle Use Endorsement


Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

A very useful endorsement

It goes by different names in different provinces, but it’s always a great add-on to any auto insurance policy. In Ontario, it’s called OPCF20 Coverage for Transportation Replacement, and it covers the reimbursement of any cost incurred while you cannot use your current vehicle after a claim. It comes into effect as soon as your car is wrecked, missing (in the case of a theft), or in the garage, as long as you have coverage for the insured peril. There is a maximum allowed per day and per claim, which you might be able to upgrade if you want more coverage.

Leasing a car

Most people use this endorsement so that they can rent a vehicle right away. If your car is stolen, note that the endorsement only comes into effect at one minute past midnight on the following day, presumably because many cars are found on the same day they are reported stolen. There is no delay otherwise. Some mechanics also have cars they can lend at no cost, but you don’t get to choose what you’ll be driving. The choice is yours.

Public transport and taxis

What most people forget is that the endorsement will also cover any other transportation costs, such as bus and subway tickets and cab fare. It’s probable you can even use Uber, as long as you have a receipt. Keep all your payment stubs and receipts, as the insurer will require them to reimburse you.

Save yourself a bunch

You want what’s best, and we want what’s best for you. Maximize your chances of getting a better price for your car insurance or for any type of vehicle, by completing an online quote request. It's simple and free !

Start saving NOW in four easy steps
  • Fill in our online insurance request form
  • Receive offers from our local insurance partners
  • Negotiate and…
  • Save!
Enter your postal code:

Débuter Maintenant
By clicking START NOW, you grant the Authorization* below and agree to our Terms of Use.
Authorization : I authorize ClickInsurance to collect and transfer my personal information to some of its business partners who may be interested in sending me an insurance quote. I also authorize ClickInsurance and those same partners to contact me by email, SMS, phone or mail to respond to my request for insurance quotes or to allow me to finalize my request for insurance quotes.
If I accept the insurance offer of one of ClickInsurance’s business partners, I also authorize the partner to inform ClickInsurance of this acceptance to update my file. I further agree that assignees or successors of ClickInsurance's business or assets may use and disclose my personal information for similar purposes as those described in this consent.