If you need to move a vehicle in a timely manner, a Temporary Operation Permit (or Temporary Operating Permit) is often the quickest way to get on the road legally and safely while being insured. Many drivers in British Columbia use TOPs when taking a newly purchased used car for inspection, transporting a vehicle that has been off the road, or driving a car that does not currently have active insurance. But for first-time buyers or N drivers, the process can feel confusing. Questions come up about who needs to be present, whether the price is fixed, and what kind of coverage a permit includes.

This guide breaks down how TOPs work, what they cost, and what you need to know before visiting an Autoplan broker.

What a Temporary Operating Permit Allows You to Do

A Temporary Operation Permit gives you short-term permission to operate a vehicle on public roads in British Columbia. Most drivers use it for two main reasons: moving a vehicle that is uninsured, or taking a newly purchased vehicle for repairs or inspection before completing a full insurance policy. A TOP covers the vehicle itself rather than individual drivers, and it is valid only for the specific dates printed on the permit.

You can typically request one for one to 15 days. The duration you choose depends on what you need to do, such as driving the vehicle home, taking it to a mechanic, or preparing it for a full Autoplan policy.

Who Can Buy a TOP

Many first-time buyers worry that they need a prior history with ICBC before getting temporary insurance. This is not the case. You can purchase a TOP even if you have never held an insurance policy before. N drivers can also drive under a TOP as long as they meet their normal licence restrictions.

The key requirement is that the vehicle owner must take part in the transaction. If you are the buyer of a used vehicle, the seller must be present or must provide signed authorization for the broker to issue the permit. A buyer cannot walk in alone and put a TOP on a car they have not yet transferred.

This rule helps prevent fraud and protects both parties during a sale.

What Insurance Coverage a TOP Includes

A standard Temporary Operating Permit includes basic ICBC insurance. This provides the minimum protection required to drive legally in British Columbia. Many drivers choose to add optional coverage depending on the condition and value of the vehicle. These optional add-ons can include collision, comprehensive, and higher third-party liability. Adding coverage increases the total permit cost, but the base fees are fixed and do not change from one broker to another.

Because TOPs do not list individual drivers, the permit applies to any properly licensed person operating the vehicle. Still, the driver must hold the correct licence class and follow any restrictions, especially if they carry an N designation. Note that a permit cannot be issued if the driver is not eligible to operate the vehicle.

How Much It Costs

TOP pricing follows a fixed schedule set by ICBC. The total expense depends on three things: the number of days you need, the type of vehicle, and any optional coverage you select. Since the structure is standardized, there is no price shopping between brokers. Most drivers find the cost reasonable, since a TOP is designed to be a short-term solution.

While fees do not change from broker to broker, adding collision or comprehensive can increase the price. Your Autoplan representative can show you how each coverage type affects the final cost before issuing the permit, allowing you to compare your options.

What You Need to Bring

Before visiting a broker, collect any documents that confirm ownership and allow the broker to identify the vehicle. In most cases you will need:

Government-issued ID
The vehicle registration or a signed APV9T transfer/tax form if the vehicle was just sold
The licence plate number if plates are still attached
The purpose and duration of the permit

If the vehicle is newly purchased, bringing the bill of sale is helpful. The broker may also need to confirm that the vehicle is safe to operate. A TOP cannot be issued for a vehicle that is clearly unsafe or unroadworthy, such as one with severe structural issues or missing major components.

How to Buy the Permit

TOPs are issued only through Autoplan brokers. You cannot purchase them directly from ICBC online. Once you arrive, the broker will review your documents, confirm ownership, discuss coverage options, and issue the permit. The permit must be displayed in the vehicle while you are driving.

If a seller cannot come to the office, the broker may allow a signed authorization letter. This depends on the circumstances, so it is best to contact the broker ahead of time to address any questions and get a confirmation on what is acceptable.

When a TOP Makes Sense

A Temporary Operation Permit is a practical tool for specific situations. If you’re buying a used vehicle and want to take it for inspection before committing to full insurance, a TOP gives you flexibility. If you’re moving a vehicle from storage or transporting it for repairs, it keeps you legal on the road. And if your current insurance has expired, it provides a temporary increase in coverage while you finalize longer-term plans.

TOPs are not designed to replace a full Autoplan policy, but they are a dependable short-term option when you need to move a vehicle for a limited period.

If you have questions about whether a TOP is right for you, or if you need help choosing the right coverage, our team at King Insurance can walk you through the process and make sure you have everything you need before hitting the road. Phone us at 604-325-2282 or email office@kinginsurance.ca.

About King Insurance

Located at the northwest corner of Marine Drive and Main Street, King Insurance proudly serves not only the South Vancouver communities of Marpole, Sunset, Oakridge, Victoria–Fraserview, and nearby areas like Marine Gateway and Marine Landing, but also clients across Richmond and the entire Lower Mainland.

Ka Hing Cheung is proud to work in Canada’s insurance industry, helping people manage risk and protect what matters most. Ka Hing is committed to ongoing learning and enjoys helping clients find the right coverage and service at the best available rate, while making sure they understand their options clearly.