​Enhanced Care is our name for B.C.'s new auto insurance that takes effect May 1, 2021. Key changes under Enhanced Care include:

• More affordable insurance for customers
• Improved care ​​and recovery benefits for as long as you need them, if you're injured in a crash, no matter who is responsible
• These benefits are available to B.C. drivers, passengers, cyclists and pedestrians who are injured in a crash with a vehicle anywhere in Canada or the U.S.
• 90% of your net income in income replacement benefits if you're unable to work, and optional income top-up coverage for those earning more than $100,000 per year
• New and expanded benefits to anyone with a permanent or life-altering injury due to a crash

For more information on Enhanced Care, you can read Your Guide to Enhanced Care.  

​B.C. drivers will save, on average, approximately 20 per cent on their full ICBC basic and optional insurance. Savings depend on individual factors including:

• Whether you purchased basic insurance only, or basic and optional third-party liability insurance from ICBC
• How much optional third party liability coverage you purchased
• If you had any at-fault crashes since you last renewed
• The driving experience of you and your listed drivers – including crash history and driving convictions
• Where you live, the type of vehicle you drive, and where and how you use your vehicle.
  

You can prepare an estimate of your own insurance using our online tool. You'll need your driver's licence and licence plate number to log in.​

​This one-time refund is the difference between what an eligible customer paid when they last renewed their insurance and the lower cost of Enhanced Care, for however long their current policy extends past May 1. This refund i​s different from the COVID-19 rebate.

Visit our Savings and refunds page for more information on refund eligibility and key dates.​

​In some cases, yes. For example, if you are injured in a crash and the at-fault driver is convicted of certain Criminal Code offences, such as impaired driving, you can still sue the other party in a civil claim for certain damages.

You'll also have the ability to sue some other parties if their actions may have contributed to the crash, such as vehicle manufacturers.​

​If your crash happened on or before April 30, 2021, your claim is not covered by Enhanced Care and will still be handled under the old system.

If you have questions about your claim, talk to your claim representative.​