You have until midnight on the expiry date to renew.
It depends on where you are. If you're in B.C., find the nearest
Autoplan broker to have the documents replaced.
If you're outside B.C., you'll need to:
Call us before faxing a completed form to ICBC:
1-800-328-4484 (Canada and the U.S.)1-604-661-6956 (Other countries)
Your vehicle may need to be rated in a
delivery rate class, depending on what else you use the vehicle for and how often you use the vehicle for delivery. We want to make sure you're covered so talk to your broker about how you plan to use the vehicle. They’ll help make sure you have the right insurance.
All B.C. drivers start out on the
claim-rated scale at the base rate with no discount. For each year you’ve been insured claim-free, you may be eligible for a five per cent discount.
This applies even if you don’t own a vehicle.
Thanks for taking action. Please contact your local police or RCMP detachment. (ICBC has no authority for enforcement.)
There are stiff penalties for driving without insurance. Drivers stopped by police face a $598 fine, and the vehicle could be impounded, too.
If someone driving without insurance is responsible for a crash, they're not protected by insurance - so they'd be personally responsible for paying the cost of any claims against them.
No. There are situations when you can insure a vehicle without a valid driver's licence. For example, you might own and insure a vehicle but depend on others to drive it. For more information, speak to an
You can insure
your car with a learner's licence.
All newly licensed B.C. drivers start at base rate on the claim-rated scale with no discount on their insurance premiums. For each subsequent year you’ve been insured claim-free, you may be eligible for a five per cent discount.
New drivers automatically receive up to 13 months' credit for time spent in the
learner stage of the graduated
licensing program (GLP). If you had a valid learner's licence for longer
than 13 months, you could receive more learner's credit.
your Autoplan broker about the coverage you need and how
much it'll cost.
Call ICBC at 1-800-328-4484 (toll-free) from Monday to Friday 8:15 a.m. — 4:30 p.m.
Sorry, we're not able to temporarily suspend your current insurance. However, a few options may be available to meet your changing needs. Speak to your Autoplan broker about:
If you cancel your policy before it expires, you can be eligible for a refund. Find out more about
cancelling your insurance.
The government has an action plan to bring ridesharing to BC by fall 2019. ICBC will continue to work with government and industry on the details of insurance products and licencing requirements for taxis and ridesharing companies.
No changes to existing business rules have yet been made. All customers are responsible to ensure they are protected with the right licencing and insurance coverage for how they use their vehicle under current legislation.
Before you pick up your first passenger, you will need:
You will also need:
Talk to your broker to make sure you have the right coverage for how you use your vehicle and check with the municipality where you plan to operate for any additional requirements.
If you’re involved in a crash without having completed all necessary requirements, there could be very serious financial consequences including potentially having to repay the full value of all claims that arise and forfeiting coverage for your own injuries as well as damage to your vehicle. Passengers and other injured parties are protected by the insurance coverage purchased on the vehicle, which always includes Basic Third Party Liability and Accident Benefits. Your passengers may also have access to other sources of coverage through their own vehicle, driver’s licence, or from a member of their household.
Peer to peer car sharing allows car owners to make their vehicles available for others to rent for short periods of time.
The owner of the vehicle needs to declare how they plan to use the vehicle so the insurance can be assigned properly and most likely the vehicle will need to be rated in a commercial rental rate class. Talk to your broker, they can help make sure you have the right coverage for how you use your vehicle. We want to make sure you’re covered.
If your vehicle is involved in a crash without having the right insurance coverage in place, there could be very serious financial consequences including potentially having to repay the full value of all claims that arise and forfeiting coverage for your own car.
It is important to know the owner of the vehicle is responsible for any damages if the renting driver is at fault for the crash. This also means the crash could affect the owner's future insurance rates.
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