Is your auto insurance ready for 2025? The new year is the perfect time to hit the reset button and make sure your coverage keeps up with your life. Maybe you’re driving less, adding a new driver, or upgrading your car—whatever the case, your ICBC insurance policy needs to match your reality and meet the legal requirements for basic coverage.

Don’t wait until it’s too late! Use this quick and easy checklist to ensure you’re covered, confident, and ready for whatever the road brings in 2025.

Key Updates to Review in Your ICBC Auto Insurance Policy

Add or Update Unlisted Driver Protection (UDP) Unlisted Driver Protection ensures you’re covered when an unlisted driver drives your car. Household Members and employees are never protected by UDP, and must be listed to drive your vehicle at all. The BC government regulates basic insurance to ensure adequate and reasonable coverage.

1. List All Regular Drivers If there are any new regular drivers in your household (such as teenage drivers or new partners), make sure they’re listed on your policy. ICBC requires all regular drivers to be declared, as failing to do so could affect your coverage during a claim.
2. Verify Your Coverage Levels Life changes often mean changes to your coverage needs. Consider the following:
   • Collision and Comprehensive Coverage: Are you adequately covered for repairs or replacement in case of an accident, theft, or natural disaster?
   • Third-Party Liability: ICBC’s minimum liability insurance coverage is $200,000, but increasing your limit can provide extra protection if you’re found responsible for an accident. The British Columbia Utilities Commission oversees basic insurance rates to ensure they remain fair and adequate for customers.
   • Optional Coverage: Explore options like Loss of Use, and Rental Vehicle Coverage, if your lifestyle or driving habits have shifted. ICBC Autoplan is mandatory for all vehicles in British Columbia, providing essential coverage.
3. Check for Changes in Vehicle Usage If your car usage has changed—such as driving more for work, fewer long trips, or switching to rideshare driving—it’s important to update your vehicle use designation to ensure proper coverage. BC drivers should be aware that changes in vehicle usage can affect their insurance policies.
4. Update Contact and Address Information Have you moved, changed phone numbers, or updated your email? Confirm that ICBC has the correct contact details so you receive important policy notifications. The BC government plays a crucial role in overseeing ICBC policies and ensuring compliance with provincial regulations.
5. Evaluate Discounts and Savings ICBC offers discounts for:

• • Low Kilometre Usage: If you’re driving less, you could save on your premium.
  • Experienced Drivers: Review whether you qualify for new discounts based on your driving record. British Columbia has unique auto insurance regulations that all drivers must adhere to, ensuring comprehensive coverage across the province. Proper coverage is essential, especially in the event of a car accident, to cover potential damages and injuries.

Why Updating Your Policy with Optional Coverages Matters

Taking the time to review your ICBC insurance policy ensures that you’re not caught off-guard when you need it most. Whether it’s adding protection for new drivers, or adjusting coverage levels to suit your needs, starting the year with an up-to-date policy means one less thing to worry about.

Having the right coverage tailored to your specific needs and risks ensures peace of mind while driving.

Final Tip: Speak to King Insurance

If you’re unsure about your coverage or which updates to make, the team at King Insurance can walk you through your options and help tailor your policy to fit your current situation.

For added convenience, eligible drivers in British Columbia can take advantage of online renewals to update their ICBC policy.

Kick off 2025 right. Review, update, and drive with confidence knowing your ICBC insurance has you covered with King Insurance.