If you paid by credit card, your insurance will be refunded to the same card. Payments made by cash or cheque will be refunded by cheque.

When you are on a monthly payment plan for your insurance, you are actually financing your premium over a six- or 12-month term through an in-house payment plan with ICBC.

If the insurance is cancelled partway through the policy term, the refund will first be applied to any outstanding debt under the payment plan. As well, some fees may apply that are not refundable. If there is any amount remaining, ICBC will mail you a refund cheque.

For more information, please contact your Autoplan broker.

If you are on a monthly payment plan, you are paying for the cost of your insurance for the month ahead. You can also pay quarterly, semi-annually and annually.

If you cancel your policy one business day before your payment's due date, your regular monthly payment will not be taken. However, if the policy is cancelled the same day as the payment is due, payment will be withdrawn and balance owing will reflect the payment.

Talk to your Autoplan broker for more details on these fees.

Generally, only registered owner(s) can request to have their insurance policy and licence plates cancelled.

To do so, the registered owner(s) must go in person with the licence plates and Owner's Certificate of Insurance and Vehicle Licence to an Autoplan broker's office to sign a cancellation form.

Note: Different rules apply if the owner is deceased or if a Power of Attorney (POA) has been assigned. Talk to your Autoplan broker for more details on cancelling a policy.

To get an insurance quote, visit your nearest Autoplan broker.

The deductible you choose will affect the cost of your premium. The lower the deductible, the more expensive your premium will be. Your choice depends on the following:

• Can you afford to pay a high deductible if there is a claim?
• Can you afford to pay the premium for a lower deductible?

Consider this when you choose a deductible: New drivers are more likely to crash or cause damage to their vehicle, whereas more experienced drivers are less likely to claim.

Unfortunately, no. When you buy insurance you must provide accurate information (e.g., principal operator, vehicle use) or else your coverage could be invalid if you have a claim.

If your situation changes (e.g., your teen starts driving), you must update your policy to identify the correct principal operator.

There are other ways you can reduce the cost of your premium. See How can I save money? »

See your Autoplan broker for details.

The best insurance for you is Vehicle in Storage coverage.

Remember that if you drive at any time — even just round the block — the vehicle needs to be properly licensed and insured. At a minimum, you must have Third Party Liability coverage. Collision, Comprehensive, and/or Specified Perils are also recommended.

Coverage for Vehicles in Storage applies only while the vehicle is in storage and is void if the vehicle is operated at any time during the policy either on or off a highway.

Yes. You can buy a Temporary Operation Permit and insure your vehicle for up to 15 days.

Buy a permit directly from your Autoplan broker.

You can also buy short term policies for different lengths. See Choosing a policy length.

Yes, if you have the permission of the estate executrix/executor.

You may need to update the policy. See your Autoplan broker for details.

Read more to make changes to your insurance.

You can transfer ownership at your Autoplan broker. When you transfer, you must bring a number of documents with you. See which ones apply to you on the Checklist for Estate Transfers (PDF).

Unfortunately, no. If you have lost your renewal reminder and it is time to renew, bring your current insurance documents to your Autoplan broker. Your details will be on file, and you can renew as normal.

Possibly. You can authorize someone else to renew your insurance at the Autoplan broker. However, lessees have no authority to authorize someone else to renew on their behalf. Only the lessor may grant signing authority. First, you must:

• Sign the back of the insurance renewal reminder or,
• Write a letter, certified by a notary public or a lawyer, that specifically grants power of attorney, or signing authority, to someone else to renew the policy.

Then, the authorized person can renew your insurance as normal.

Unless the power of attorney is granted, another person cannot renew the registered owner’s insurance policy when:

• The policy is paid with an ICBC monthly payment plan.
• The policy’s coverage is being reduced.

Your Autoplan insurance is valid everywhere in Canada and the U.S., including Alaska and Hawaii. Unfortunately, it is not valid in Mexico.

Possibly. Coverage for stereo theft can vary depending on your vehicle and the type of policy you've purchased. In order to ensure that you have the right coverage, talk to your Autoplan broker.

Excess Special Equipment Endorsement