ICBC Autoplan 

ICBC Autoplan:  Insurance For Vehicles

Auto insurance coverage is very important for every society, especially in British Columbia.  ICBC is a public insurance company that insures all drivers in BC.  Understanding your insurance coverage would help protect yourself and loved ones when you are in an accident. Every driver in British Columbia is required to purchase basic Insurance with ICBC.  There are additional optional coverages available to protect you and your vehicle.

The most important coverage of an Car Insurance Policy are the following:  

Third Party Liability Coverage:  Insures for bodily injury or property damage you may cause to others, and are held legally responsible for.  Third-Party Liability does not insure yourself or any of the property you own, including your vehicle.

Accident Benefits:  Protects yourself for medical and wage loss insurance if you are injured from a motor vehicle crash.   This is no-fault insurance.  So you are covered regardless of who caused the accident.  Benefits are also payable to all passengers of a vehicle licensed and insured in BC.

Collision Coverage:  This coverage protects your own vehicle when you damage it in an accident.  Whether you had a collision with another vehicle, a lamp post, or a tree, if you damaged your vehicle in a collision, this coverage is triggered to repair your vehicle. 

Comprehensive Coverage:  This coverage protects your own vehicle when you don't know who damaged it. For example, in a collision with an animal, or in a hit-and-run accident, Comprehensive Coverage is triggered to repair your vehicle. 

Have Questions?
Our insurance experts will be happy to discuss and help you decide what Autoplan coverages are best for your insurance needs. Call or contact us here.

Liability Coverage

Third Party Liability Coverage protects you when you are in an at-fault accident, and you cause bodily injury to other people, or you damage their vehicle and/or property.

Collision Coverage

Collision Coverage protects you when you are in an at-fault accident, and you cause damages to your own vehicle.  ICBC will repair your vehicle, and you only have to pay your deductible.

Comprehensive Coverage

Comprehensive Coverage protects you when you don't know who damaged your vehicle.  For example, in a vehicle-theft or a hit-and-run incident, ICBC will repair your vehicle, and you only have to pay your deductible.

Underinsured Motorist Protection

This optional coverage protects you in accidents with other drivers who did not buy (enough) insurance to cover the damages they cause to you.  They are an Underinsured Motorist, and your own policy will protect you from them.

Unlisted Driver
 Protection

This coverage protects you and the occasional drivers of your vehicle.  Occasional drivers should not be driving your vehicle more than twelve times per policy
year.   


Roadstar &
Roadside Plus

Roadstar and Roadside Plus packages provides you with additional coverage options, such as Rental Vehicle Coverage and Emergency Roadside assistance.