Are you ready for 2025? The end of the year often sneaks up on us, and with all the holiday hustle, it’s easy to overlook one critical task: renewing your ICBC auto insurance. All vehicles in B.C. must be insured under ICBC’s Basic Autoplan.

If your policy expires at year-end, don’t wait until the last minute—or worse, let your coverage lapse. A quick renewal now can save you from potential fines, financial headaches, and driving uninsured.

Having a valid driver’s licence in B.C. and Canada is crucial for insurance purposes. Let’s get you back on the road with confidence by reviewing what to consider as you renew your policy.

Why Renewing Your Insurance on Time Matters

Remember: Your ICBC auto insurance policy doesn’t automatically renew. Once it’s expired, you’re officially uninsured, which means you’re risking fines, legal troubles, and a hefty financial hit if something happens. Having a valid licence is crucial to avoid these legal troubles.

If something happens, you need to report a claim to ICBC by gathering supporting documents and following the necessary steps to access benefits related to accidents or injuries. But don’t stress—renewing on time is easy, and it’s also a perfect chance to:

• Double-check your coverage: Make sure your policy still fits your life.
• Avoid a lapse: There’s no grace period, so you don’t want to let this slide.
• Score some savings: See if you’re eligible for discounts based on your driving habits or any changes to your policy.

Things to Think About When Renewing Your ICBC Auto Insurance

1. Check your expiration date. Don’t just assume your policy rolls over into the new year. Look up your expiration date and set a reminder to renew a few days before it’s up.
2. Review your coverage. Life happens, and your insurance should keep up. Ask yourself:

• How are you using your car? More? Less? For work or weekend adventures?
• Do you have enough liability coverage? It’s your safety net if you’re at fault.
• Are your collision and comprehensive limits still right? Make sure they’re enough to cover your needs. Ensure your vehicle is properly insured.

3. Consider Underinsured Motorist Protection (UMP). This add-on is a lifesaver if you’re in an accident with a driver who doesn’t have enough insurance.
4. Update your driver list. Got a new teen driver? Or maybe someone else in your household is using your car regularly? Make sure they’re added to your policy. Updating driver information is crucial, especially for new drivers in the household.
5. Keep your info up to date. Check that ICBC has your latest address, phone number, and email. This way, you’ll never miss important updates.
6. Ask us about discounts. ICBC might offer savings if you’re driving less, have a clean record, or qualify for other perks. A quick chat with us at King Insurance could save you money.
7. Renew early. Why wait? ICBC lets you renew up to 44 days in advance. Take care of it now and dodge the last-minute scramble. Various services are available to help with the renewal process.

How to Renew Your Policy

Renewing your ICBC auto insurance is simple and convenient. You can:

• Visit us at King Insurance: Speak directly to us and we can guide you through your options. We also offer over-the-phone services in multiple languages.
• Renew online: King Insurance can also renew your ICBC Autoplan policy online. Simply send us an email or complete the process online, all from the comfort of your home. It’s important to have a valid driver’s licence for the renewal process.

Start the New Year Fully Protected

Don’t risk driving into the new year without coverage. Set aside a few minutes to renew your ICBC auto insurance today. You’ll start 2025 knowing you’re protected and ready for anything the road throws your way.

In case of a crash, follow the steps to report claims to ICBC to ensure you receive the necessary support and benefits.

Need help? Contact King Insurance for personalized advice and support. We’re here to make sure you roll into the new year covered and confident. Having a valid licence is crucial to ensure you have full protection and can manage any claims effectively.