What to know about buying insurance
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.
The 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.
Why choose it
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.
When it's time to renew, you'll get a reminder in the mail will include coverage and vehicle information, and a section for adding drivers to your policy.
You can renew your policy:
In person: you can renew at any Autoplan broker’s office in B.C.
Over the phone: contact any Autoplan broker to renew over the phone. You may also be able to renew by email, but check with your broker to determine if that’s an option.
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.
Moving to B.C.?
Find out how to register, licence and insure your vehicle if you're moving to B.C.