Inability to use property, e.g. a motor car, during period of repair or replacement. Some insurers provide temporary replacement cars under comprehensive policies. Otherwise the loss, which is consequential, is not covered under material damage insurance and this is often reinforced by a loss of use exclusion. ‘Loss of use’ may be claimed against a negligent third party. Under houshehold policies the cost of alternative accommodation is covered when the property cannot be occupied following insured damage. See LOSS OF USE (AVIATION).