Auto insurance in BC, with the optional part explained.

Every BC driver buys Basic Autoplan from ICBC. Everything after that — collision, comprehensive, extended liability — can come from ICBC or from a private insurer. We show you both prices before you decide.

Before you buy

What this policy does, and what it will not do.

What we write in
✓ICBC Basic Autoplan: third-party liability, accident benefits, hit-and-run
✓Collision: damage to your vehicle in a crash, whoever is at fault
✓Comprehensive: theft, vandalism, fire, glass, weather
✓Extended third-party liability up to $5 million
✓Replacement cost or loss-of-use if you add it
What it will not do
✕Wear and tear, rust, mechanical breakdown
✕Commercial use on a personal-rated policy
✕Drivers not listed on the policy who live at your address
✕Personal belongings left in the car (that is your home policy)
Who this is for

Three ways people hold this policy.

Personal vehicles
Cars, SUVs and pickups used to commute and for pleasure.
Commercial auto
Work vans, contractor trucks, delivery vehicles, small fleets.
Off-road and collector
ATVs, snowmobiles, and vehicles that leave the garage twice a year.
What moves the price

Five things the insurer looks at.

01
Driving record and years licensed
02
Where the vehicle is garaged (ICBC territory)
03
Vehicle value, age and theft rate
04
How and how far you drive
05
The deductible you choose
Straight answers

Auto Insurance questions we hear most.

All FAQs→

Yes. Basic Autoplan is ICBC-only. Collision, comprehensive and extended liability can be placed with private insurers through a broker, often for less.

The highest amount you could pay tomorrow without stress. Moving from $300 to $1,000 usually saves more over three years than one small claim costs.

Some optional packages include it; Basic does not. Tell us before you travel and we will confirm in writing.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.