ICBC | How does Autoplan work?

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All B.C. motorists must have ICBC Basic Autoplan insurance.

For extra protection that meets your needs, you can add Optional coverage on top of your Basic package.

Basic Autoplan coverage ensures anyone injured in a crash is eligible for essential medical care.

Learn more about what Basic Autoplan covers »

You can buy Basic auto insurance at an Autoplan broker near you.

Optional extended coverage

Optional insurance can provide extra coverage for vehicle damage, injuries and other losses—to you or others.

You can buy Optional coverage from Autoplan brokers, as well as from other insurance companies.

To qualify for coverage after a crash, you must follow the terms and conditions of your policy.

For example, you must have a valid driver's licence.

It's important to know the restrictions on your Basic Autoplan policy.

How do I buy Autoplan?

Autoplan is sold exclusively through our B.C.-wide network of 900 Autoplan brokers.

Find an Autoplan broker near you »

Moving to B.C.? »

How much will I pay?

The amount you pay for your insurance coverage is called a premium.

When calculating your premium, we consider such things as the make of your vehicle, what it's used for and your claim record.

Learn more about:

Broker

A person licensed to sell insurance. Autoplan brokers are insurance brokers who have been authorized by ICBC to sell Autoplan coverage.
Liability

Legal responsibility. If you are at fault for a crash, you (or your insurance) may be held legally liable or responsible for the costs incurred. These may include bodily injury or property damage, or both, suffered by the other party.
Deductible

The amount you have to pay towards repairs or costs before your insurance kicks in to pay for the rest. Learn more about Optional coverage for your vehicle.
Third Party Liability

Your risk of being sued by someone: in legal terms, some third "party" in addition to you (first party) and your insurer (second party). When someone talks about a third-party claim against you, that means you are being sued by a person who holds you responsible for injuring them or damaging their property. The person suing can be your own passenger in a crash you caused. The damage you cause to another person - the third party - is covered under Third Party Liability insurance. What Basic Autoplan covers »
Underinsured Motorist Protection, or UMP

Insurance that covers you for bodily injury or death in a crash where the at-fault driver or vehicle owner does not have enough insurance to cover the damages awarded to you. What Basic covers
Principal operator

The person who drives a vehicle the majority of the time it is in use.
Collision insurance

A policy promising to cover the cost of repairing or replacing your own crash-related vehicle damage when you are in a collision with another vehicle, person, or object. More about Optional coverage for your vehicle »
Comprehensive insurance

A policy promising to pay for damage to your car from a cause other than collision: for example, windshield damage, and loss or damage caused by fire, theft, or vandalism. More about Optional extended Autoplan coverage.
RoadStar

A vehicle owner who has kept his or her insurance record claim-free above base level for more than 9 consecutive years, having had no at-fault or chargeable claims during that time.