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Own-damage coverage for luxury vehicles

For certain luxury vehicles, you need to apply for customized own-damage coverage (Collision, Comprehensive and Specified Perils).

Applying for coverage

If you own or lease one of these luxury vehicles (PDF) and want to buy or renew Optional own-damage coverage from ICBC, you need to do the following:

  1. Complete this application form (filling out the first two pages only).
  2. Take the form to your Autoplan broker.

    Note: You have to do this in person—you can’t designate someone else to sign the application and policy on your behalf.

What happens next

Your broker will send the form to ICBC. Specialty vehicle underwriters will look at your situation and offer you individual insurance that aligns with your vehicle’s risks.

This way of handling affected policies took effect in January 2011.

Apply early

Apply a few weeks before your current policy expires. You won’t have own-damage coverage on your vehicle until you receive your customized policy from ICBC.

Questions and answers

Which optional coverages can I buy?
You can request Collision, Comprehensive, Specified Perils, Loss of Use and RoadStar coverage. Coverage will be tailored to each customer. (In rare circumstances, optional coverage may not be offered.)

Does this change impact all types of coverage for these vehicles?
No, this only applies to optional own-damage coverage. There’s no change to the way you buy your Basic Autoplan, additional liability coverage, or Excess Underinsured Motorist Protection.

How is the list of vehicles determined?
The list is based on the vehicle price and characteristics like horsepower and power-to-weight ratio.

What if I’m not satisfied with the proposed insurance?
Your broker will discuss changes to the risk or coverage that are acceptable to both you and ICBC. These could include changes to the garaging situation, the perils that are covered, or changes to authorized drivers.

Can I apply for coverage in advance of renewing my Autoplan policy?
Yes. We encourage you to apply in advance so there is no gap in coverage.

Why do I have to list other drivers of my vehicle?
ICBC looks at all the risk factors for your vehicle, and that includes who is going to be driving it. We consider the crash record and driving conviction record of you and your permitted drivers when we tailor your policy.

Who can drive my vehicle?
You can let anyone drive your vehicle, but own-damage coverage will be in effect only when the listed drivers are operating the vehicle.

For more information

Please speak to your Autoplan broker.