Distance-based discount​​s

ICBC’s distance-based discounts may benefit you if you do not regularly use your vehicle. For example, if you 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.

Basic distance-based discount​

You may be eligible for a 10% discount on your Basic coverage if you drive less than 5,000 kilometers per year.

Optional distance-based discount​

If you are renewing your Optional coverage on or after June 1, 2025, and you drive less than 15,000 km per year, you may be eligible for a 10-15% discount. The less you drive, the higher the discount you can receive.

This discount applies to the following optional ICBC coverages:

• Extension Third Party Liability

• Collision

• Comprehensive

• Specified Perils

Eligibility

Only annual ICBC policies are eligible for the discounts (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. Talk to your broker if you have questions about your vehicle’s eligibility.

The discounts are based on the mileage driven over 12 months, determined by an odometer reading from the start of the policy term and another odometer reading at the policy’s renewal a year later. If you transfer the policy to a new vehicle mid-term, you will also need to provide readings for both vehicles at the time of the transfer.

If you drive less than 5,000 km and have met all other eligibility requirements, you will get both the Basic and Optional distance-based discounts.

Submit your odometer reading

No matter how much you expect to drive over your 12-month policy term, you should submit your odometer reading to determine your eligibility for a distance-based discount.

Learn how to submit your odometer reading.