{"id":11173,"date":"2025-09-23T05:01:14","date_gmt":"2025-09-23T05:01:14","guid":{"rendered":"https:\/\/youset.ca\/?p=11173"},"modified":"2026-03-16T12:14:25","modified_gmt":"2026-03-16T12:14:25","slug":"loss-of-use-coverage","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/loss-of-use-coverage\/","title":{"rendered":"Do You Need Loss of Use Coverage? Here\u2019s How to Decide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Getting into a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">car accident<\/span><\/a> <span style=\"font-weight: 400;\"> is stressful enough, and being without a vehicle while your car\u2019s in the shop just adds to the headache. Depending on the damage, repairs can take days or even weeks, and you\u2019ve still got places to be. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">That\u2019s where loss-of-use coverage comes in.<\/span> <span style=\"font-weight: 400;\">In this article, we\u2019ll explain what loss of use coverage is, how it works, how to figure out if it\u2019s right for you, and how much coverage you might need. <\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_acc3c664eb9c136f3c59ca42919c3927\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Loss of use coverage is an optional car insurance endorsement that covers the cost of alternate transportation while your vehicle is temporarily unavailable or being repaired after an accident.<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-loss-of-use-coverage\">What is loss of use coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loss of use coverage is an optional <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/insurance-endorsements-in-canada\/\"><span style=\"font-weight: 400;\">car insurance endorsement<\/span><\/a><span style=\"font-weight: 400;\">, which you may also see referred to as <\/span><a href=\"https:\/\/www.fsrao.ca\/opcf-20-coverage-transportation-replacement\"><span style=\"font-weight: 400;\">OPCF 20<\/span><\/a> <span style=\"font-weight: 400;\"> in Ontario and <\/span><a href=\"https:\/\/lautorite.qc.ca\/fileadmin\/lautorite\/formulaires\/professionnels\/assureurs\/automobile\/qef_20.pdf\"><span style=\"font-weight: 400;\">QEF 20<\/span><\/a> <span style=\"font-weight: 400;\"> in Quebec.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Its purpose is to cover the cost of alternate transportation, like rental cars, taxis, rideshares, or public transit, while your vehicle is temporarily unavailable due to a covered event, like a car accident. However, because this endorsement is optional, you\u2019ll need to add it to your <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance policy<\/span><\/a> <span style=\"font-weight: 400;\"> if you want the extra protection.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-loss-of-use-covers\">What loss of use covers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loss of use coverage helps keep you moving while your car is out of commission after a covered event. It typically covers:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Rental car expenses during vehicle repair or replacement<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Costs associated with taxis, rideshares, or public transit<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Keep in mind that coverage limits usually apply, and there may be daily maximums and a limit to the total duration of coverage.<\/span>\n\n<span style=\"font-weight: 400;\">In most cases, your insurance provider will end your loss of use coverage after:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Your vehicle has been repaired,<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">You\u2019ve met your coverage limit,&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Or you\u2019ve received a settlement for a total loss. <\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_b3d9bc68dbdde9b4719dc03d29a7f900\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">It can be hard to know if you really need loss of use coverage. If you\u2019ve been driving for years without an accident, you might be tempted to skip this optional endorsement when <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/types-of-car-insurance-coverage\/\"><span style=\"font-weight: 400;\">building your insurance policy<\/span><\/a><span style=\"font-weight: 400;\">. But it\u2019s worth thinking about whether it makes sense for your situation.<\/span>\n\n<span style=\"font-weight: 400;\">Ask yourself a few key questions, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">How often do you rely on your car? Is it essential for your daily routine?&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Do you have easy access to alternative transportation?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">How does the cost of adding this coverage compare to what you\u2019d pay out of pocket if your car were in the shop for a week or more?&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">How comfortable are you with taking on that risk financially?&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Your answers can help you decide if loss of use coverage is a smart addition to your policy. For instance, some drivers who often benefit from loss of use coverage include:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Those who rely on their vehicle daily for work or commuting<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">High-mileage or frequent drivers<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Families or parents requiring reliable transportation for children and activities<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Those who lack access to public transit or alternative transportation options<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cost-of-car-insurance-with-loss-of-use-coverage\">Cost of car insurance with loss of use coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The cost of adding loss of use coverage to your car insurance policy can vary by province and insurer. On top of that, your driving history, type of vehicle, location, and claims record can also play a role. <\/span>\n\n<span style=\"font-weight: 400;\">To give you a general idea of how much loss of use coverage costs, though, here are two example quotes for car insurance in <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-ontario\/\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-quebec\/\"><span style=\"font-weight: 400;\">Quebec<\/span><\/a> <span style=\"font-weight: 400;\"> with and without loss of use coverage:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Quote with loss of use coverage<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Quote without loss of use coverage<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Ontario<\/td><td class=\"has-text-align-center\" data-align=\"center\">$144<\/td><td class=\"has-text-align-center\" data-align=\"center\">$153<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Quebec<\/td><td class=\"has-text-align-center\" data-align=\"center\">$99<\/td><td class=\"has-text-align-center\" data-align=\"center\">$92<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although these examples are provided for general illustration only and do not guarantee exact pricing, you can see that adding loss of use coverage generally increases your premium by only a small amount.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Compared to the potential out-of-pocket costs of arranging alternative transportation after an accident, some drivers prefer to pay a little extra now so that if they ever need coverage, they aren\u2019t stuck with a big bill later.<\/span> <span style=\"font-weight: 400;\">To find out how much car insurance with loss of use coverage would cost you, the next step is to <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">get a quote<\/span><\/a><span style=\"font-weight: 400;\">, which you can do in 4 minutes or less with YouSet. Once you have your quote, you can easily add or remove loss of use coverage to see the price difference in real-time.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-good-loss-of-use-coverage-amount\">What is a good loss of use coverage amount?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">A typical amount of loss of use coverage included when you add it to your policy is usually between $1,500 and $2,500.<\/span>\n\n<span style=\"font-weight: 400;\">That said, coverage amounts can vary depending on your insurance provider and the province you live in. You may also have the option to choose higher limits or time-based coverage instead if the standard amount of loss of use coverage isn\u2019t enough to meet your needs.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-loss-of-use-coverage-works\">How loss of use coverage works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loss of use coverage helps pay for transportation expenses if your car is temporarily unusable after a covered event, such as an accident.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">But how does it actually work, and how do you get reimbursed? Here\u2019s a high-level breakdown of how loss of use coverage usually works in Canada.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>Add it to your policy:<\/strong> <\/span><span style=\"font-weight: 400;\">Loss of use is an optional type of coverage, so you\u2019ll need to add it to your car insurance policy<\/span><i><span style=\"font-weight: 400;\"> before <\/span><\/i> <span style=\"font-weight: 400;\">something happens. It cannot be added retroactively.<\/span><\/li>\n\n\n\n<li><strong>Experience a covered event:<\/strong> <span style=\"font-weight: 400;\"> If you get into an accident or another covered event that leaves your car temporarily unusable, loss of use coverage becomes relevant.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Notify your insurance provider:<\/strong> <\/span><span style=\"font-weight: 400;\">Contact your insurer as soon as possible to report the incident and <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\"><span style=\"font-weight: 400;\">file a car insurance claim<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Submit documentation:<\/strong> <\/span><span style=\"font-weight: 400;\">You\u2019ll need to fill out a proof of loss form or similar documentation to support your claim.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Claim review: <\/strong> <span style=\"font-weight: 400;\">Your insurance provider reviews the claim, checks your policy details, and confirms you\u2019re eligible for coverage.<\/span><\/li>\n\n\n\n<li><strong>Get alternative transportation:<\/strong> <span style=\"font-weight: 400;\"> Either you or your insurance provider will arrange for alternative transportation, like a rental car, rideshare, or transit.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Keep your receipts:<\/strong> <span style=\"font-weight: 400;\"> Keep, make copies of, and submit any relevant receipts or documentation for transportation costs.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Get reimbursed:<\/strong> <span style=\"font-weight: 400;\"> If your expenses are approved, your insurance provider will reimburse you up to the coverage limit stated in your policy.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Coverage ends:<\/strong> <span style=\"font-weight: 400;\"> Loss of use coverage ends once your vehicle is repaired or replaced, or once you hit your coverage limit.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loss of use coverage can give you the peace of mind you need. It\u2019s a simple add-on to your car insurance policy, but it can make a big difference if you ever get into an accident.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">With YouSet, you can find the right coverage at the best price. Compare quotes from multiple insurers in just 4 minutes, access exclusive broker discounts, and lock in the best price year after year. Whether you\u2019re setting up a new policy or updating an existing one, YouSet makes it easy to find the right coverage at the best rate.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting into a car accident is stressful enough, and being without a vehicle while your car\u2019s in the shop just adds to the headache. Depending on the damage, repairs can take days or even weeks, and you\u2019ve still got places to be. That\u2019s where loss-of-use coverage comes in. In this&#8230;<\/p>\n","protected":false},"author":20,"featured_media":11175,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-11173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need Loss of Use Coverage? 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