As of September 2019, we offer a new 10 % discount for vehicles that are driven less than 5,000 km in a year.

Who would benefit?

The discount may benefit those who do not regularly use their vehicle, for example, those who only drive on evenings and weekends, use public transportation to commute to school or work during the week, or simply have a second vehicle that’s not used very often.

The discount applies to Basic, Extended Third Party Liability and Collision premiums.

Eligibility

The discount is based on the mileage driven over the last 12 months. This is determined by an odometer reading from the previous policy term, and another at the policy’s renewal a year later.

Only annual policies are eligible for the discount (not short-term policies).

There are certain rate classes that are not eligible, such as motorcycles and collector vehicles because their rate classes already reflect low kilometres travelled as most of these vehicles are not used year round. This discount is meant for those who are in rate classes where the majority of the vehicles are driven longer distances.

Talk to your broker if you have questions about your vehicle’s eligibility.

Collecting odometer readings

If you have a vehicle that may qualify for this new discount, you need to provide your vehicle’s odometer reading at your next annual renewal or new policy purchase.

How the discount works

The qualifying period for the discount starts when you provide your Autoplan broker with the first vehicle odometer reading.

In a year’s time, at your annual renewal, the odometer reading will need to be provided again to determine if the vehicle was driven less than 5,000 km during the year. If eligible, the discount will then be applied at that time to your renewed policy. If the vehicle was driven 5,000 km or more, it will not be eligible for the discount.

Providing an odometer reading to your broker

To provide the odometer reading, you will need to show your broker one of the following:

• a photo of the vehicle odometer taken within the last seven days 
• a receipt or work order with an odometer reading dated within the last seven days from either a garage, a mechanic, an auto shop or auto dealership
• a reading through a service or app which reports vehicle information and diagnostics, generated within the last seven days.

Changes to your policy or transfers mid-term

Unfortunately, we cannot add or change odometer readings mid-way through your policy term. Interested customers can only provide their odometer reading at the time of their annual insurance renewal.

The low-kilometre discount cannot be transferred to another vehicle mid-term.

Autonomous emergency braking (AEB) is a safety feature that uses technology to anticipate when a vehicle is about to have a front-end collision and automatically engages the brakes without the driver’s action. Vehicles equipped with factory-installed autonomous emergency braking (AEB) are eligible for a 10% discount as AEB has been statistically shown to help prevent crashes.

If you’re not sure whether your vehicle has AEB, check with your dealership or look in your ownership manual.

The advanced safety technology discount applies to your Basic and some Optional coverages, as well as fleet and commercial non-fleet polices that meet the eligibility requirements.

Generally, drivers with more years of driving experience will see greater savings. You will be able to receive Basic insurance savings for up to 40 years of driving experience, up from the current nine years of crash-free driving. Basic insurance premiums are currently discounted for inexperienced drivers. ICBC continues to offer discounted premiums, however, these discounts will be reduced with one at-fault crash, and eliminated with a second crash in the same scan period.

As of September 1, 2019, seniors will continue to receive Basic insurance savings. More years of driving experience are now considered: up to 40 years from the current nine years.

Eligibility

Senior driver savings apply to policies where the vehicle is owned or leased by a senior (65+) and is used for pleasure use. Now, seniors may use their vehicle for up to six days in a calendar month for commuting, business or delivery – a change from the previous seniors’ discount, which had restrictions on vehicle use. However, if the senior has an at-fault crash, the savings will be reduced, and then eliminated if there’s a second at-fault crash in the same scan period.

Passive electronic immobilizers

Electronic immobilizers disable your car's engine when the ignition is turned off. An engine with an immobilizer won't start until it recognizes a special key (with computer chip) or electronic device (usually on key ring). Electronic immobilizers offer the highest level of protection.

The way an electronic engine immobilizer is activated determines whether or not the device is a passive electronic immobilizer.

• A passive immobilizer: no interaction required except removing the key from the ignition
  
• Manual immobilizer: requires the user to press a button to activate
  

If your vehicle is equipped with a passive elec​​tronic immobilizer, you could save on your Comprehensive or Specified Perils coverage. Contact your Autoplan Broker​ to learn more. ​

Note: motorcycles and trailers aren't eligible for the anti-theft device discount. 

Anti-theft deductible savings

Using an anti-theft device for your vehicle could also get you a $100 deductible rebate when:

• Your properly installed and activated anti-theft device prevented your vehicle from being stolen and there's evidence of intent to steal the vehicle.
  
• You may also get a $100 deductible rebate if your vehicle is stolen and recovered, with evidence your anti-theft device was compromised. 
  

Unfortunately, motorcycles and trailers aren't eligible for the anti-theft device discount.​

Insure five or more eligible vehicles for business or commercial uses and you could save up to 63% on your Autoplan premium.​

If you've been approved for a fuel tax refund under the B.C. government Fuel Tax Refund Program for Persons with Disabilities, you may also qualify for a 25% discount on your Basic Autoplan—even if you don't drive the vehicle you're insuring.

Eligible drivers must bring appropriate documentation to their Autoplan broker's office to have the discount added to their policy. More information on the Fuel Tax Refund Program can be found on this Ministry of Finance tax bulletin.