ICBC's auto insurance is sold through our province-wide network of 900 Autoplan brokers. These brokers are licensed professionals who can help you choose the right insurance protection for you, your family and your vehicle.
About your auto insurance
Auto insurance isn't always easy to understand. Your broker is there to help you compare and customize coverage to fit your individual needs—the products you choose, the length of your policy, your payment options and more.
estimation tool lets you review your current insurance policies online and estimate changes to your listed drivers and coverages ahead of talking to your broker.
Find a broker near you.
Choosing a policy length
Vehicle insurance policies can last from one day to one year, so you have lots of options to meet your needs.
|One-year policy ||This is the option most customers choose, and many use our
Autoplan payment plan to spread the cost over a year. Our payment plan lets you choose between monthly and quarterly payments for one-year policies.|
Short-term Autoplan policy|
- 3 to 11 months
|When your vehicle won't be on the road for a full year, a short-term policy might be your best choice. You'll pay a small surcharge, but the total cost will be less than a full-year policy. |
Temporary Operation Permit|
- 1 to 15 days
|This is a good option if you only need a few days of coverage. If you're going to need several TOPs, you may save yourself money by buying a three-month policy. Talk to your broker about the best options for you. |
Adding drivers to your policy
In our insurance model, crashes follow drivers, not vehicles. By listing those who drive your vehicle, you're making sure that the right person is held accountable in the event of a crash.
When you buy or
renew your policy, you'll be asked to list drivers who use your vehicle. You'll need the following information for
each driver you want to list:
- Their B.C. driver's licence number
- If they don't have a B.C. licence, their name, licence number and jurisdiction that issued the licence
- Their date of birth
- Whether or not they're an employee or household member of the vehicle's principal driver or its registered owner/lessee
If you occasionally lend your car to drivers who aren't listed on your policy, you can add
Unlisted Driver Protection to your policy. It covers drivers who occasionally use your vehicle and can be added to your policy at no additional cost, as a long as an unlisted driver has not caused a crash using any of your vehicles.
If you're curious about the driving history of someone you plan to list, you can ask them to send you their
driver factor report.
If you want to see how your listed drivers will impact your renewal, you can estimate your insurance costs with
our online tool.
You can renew your insurance early, up to 44 days before your insurance policy expires. If you use the ICBC payment plan, your payments don't get withdrawn until your actual renewal date.
The insurance renewal reminder you receive in the mail will include coverage and vehicle information, and a section for adding drivers to your policy.
You can renew your policy:
Don’t drive often? You may be eligible for a
discount next year. Take a photo of your current odometer reading when you renew your insurance.
When you need to update your insurance
Be sure the information on your policy is correct and current. If it isn't,
you may not be covered if you have a claim.
Talk to your local broker if you're:
- Adding or removing drivers
- Moving (even within the same community) or temporarily relocating
- Changing the way you use your vehicle (for example, you start driving to work or school)
- Driving a different vehicle
- Modifying your vehicle (for example, changing its colour, chassis, fuel type)
Other factors can also affect your insurance, so please ask your broker if you have any other changes.
Tickets, fines and penalties
Please note that before you renew, you'll need to pay any outstanding amount that you owe to ICBC or the provincial government, including
traffic tickets, penalty point premiums and any Autoplan debt.
If you have frequent or serious driving convictions resulting from violations that occurred on or after June 10, 2019, your premium costs for Collision and Third Party Liability coverages will be impacted. For more information, read our
Contact us if you have questions about your debts or payments.
Moving to B.C.?
Find out how to register, licence and insure your vehicle if you're
moving to B.C.