Autoplan insurance

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Have a business that needs to insure more than five motor vehicles? By using Fleetplan, you can protect all your vehicles in the fleet—saving you time, money and administrative headaches.

To discuss your options or to purchase insurance, contact an ICBC Autoplan broker.

Do the September 1st changes to insurance impact my Fleetplan policy?
- Fleet policies will continue to be rated the same as today
- You will not be required to list drivers that use your fleet vehicles
- Two new discounts are available to fleets 
At-fault crashes may impact your drivers/employees (depending on the rate class of the vehicle involved in the crash). 


Businesses that can benefit from Fleetplan include transport operations, trades and smaller companies.

Minimum requirements

  • You have five or more motor vehicles that are registered or leased to you or your company, and
  • the vehicles are primarily used for commercial or business purposes.

What about trailers?

Trailers can be included in a fleet, once the minimum requirement for motor vehicles is met.

Can I choose not to have Fleetplan?

  • If you're insuring five to 19 motor vehicles, you can choose whether or not to participate in Fleetplan.
  • If you have 20 or more motor vehicles insured for commercial or business use, Fleetplan participation is required.

Crashes and driver impacts

Changes which may impact your employees and customers

Moving to an insurance model that’s more driver-based means crashes will now follow the driver. So if one of your employees or customers has had an at-fault crash while driving a fleet vehicle on or after January 1, 2020, that crash may follow them and impact their personal and non-fleet commercial insurance. Whether there is an impact depends on the rate class of the fleet vehicle involved in the crash and whether that claim has been repaid.

How does the rate class impact my employees?

Your fleet vehicles belong to a rate class and these can be divided into three categories – personal rate classes, commercial rate classes, and rate classes that do not belong to a profile.

  • If a driver causes a crash while driving a fleet vehicle with a commercial rate class – for example, a bus – the claim will not impact the driver’s personal policies as the crash occured in a commercial rate class vehicle. It will only impact other policies with commercial rate classes that the driver is listed on (non-fleet commercial vehicles).
  • If a driver causes a crash while driving a fleet vehicle with a personal rate class – for example a company car rated for business use – the claim will impact all policies where the driver is listed, including their own personal insurance.
Drivers of fleet or business vehicles offers a closer look at rate classes and employee impacts.

Claim repayment for Fleetplan

  • Claim repayment rules are not changing for fleet owners after September 1, 2019. 
  • Claim repayment up to $2,000 (including deductible) is available for your drivers through an Autoplan broker. For anything above the $2,000 limit, repayments would need to go through you (the Fleetplan policy owner).

Benefits and discounts


By using Fleetplan, you get higher maximum premium discounts, access to enhanced financing, and simpler administration.

Financial benefits

  • A maximum premium discount of up to 63 per cent.
  • Convenient payment options, including debit card, credit card and ICBC's payment plan.
  • Payment plan financing for fleets allows mid-term changes to the plan.

Administrative benefits

  • Vehicle licences and insurance expire on the same date for all vehicles in the fleet, making administration easier.
  • No need to list drivers or declare a principal driver.
  • Access to your quarterly and four-year loss/claims experience reports.

Service benefits

  • Access to ICBC appraisers who specialize in heavy vehicles and equipment.
  • 24/7 claims service, including out-of-province.


As of September 1, 2019, two new discounts are available to ICBC customers, including Fleetplan customers: low-kilometre discount for vehicles driven less than 5,000km a year and a safety discount for vehicles equipped with factory-installed autonomous emergency breaking.

How we calculate fleet premiums

How we calculate fleet premiums

For each vehicle in your fleet, the premium is based on the business use of the vehicle, the territories in which it operates and the value of the vehicle.

Once these factors are taken into account, the overall fleet discount or surcharge is applied.

The fleet discount or surcharge is based on the fleet's "loss ratio" over a three-year period. Fewer at-fault claims means a lower loss ratio and a higher fleet discount.
The loss ratio is the percentage of the fleet's total premium (before discount) compared to all dollars used to pay for the fleet's at-fault claims.

Further discounts for large fleets

We have a voluntary, performance-based program (Fleet Premium Adjustment Agreement, or "Retro") that can earn large fleets up to 35 per cent in premium returns.

To join, you just need to

  • insure more than 200 vehicles, or
  • have an annual premium after discount of $100,000 or more.

Premiums are based on your loss ratio



your loss ratio is 25% or less​you receive 35% of your annual premium back the following year
your loss ratio exceeds 65%​you will have to pay an additional 10% of your annual premium

How to buy

How to buy

We have over 900 Autoplan brokers across B.C. to serve you.

To purchase Fleetplan or discuss your options, contact an ICBC Autoplan broker.