Enhanced Care coverage
This section is for Commercial Fleet and Non-Fleet customers interested in finding detailed information on Enhanced Care and what the shift to this new insurance model means for their business.
Regulations announcedEnhancements to auto insurance in BC
Government and ICBC recently announced the Regulations which will support the Enhanced Care coverage insurance model. More information can be found here
Starting in May 2021, all British Columbians will be protected under a new type of auto insurance, called Enhanced Care coverage. Enhanced Care is focused on making your insurance premiums affordable and more stable moving forward. These changes are possible because the massive costs associated with our previous litigation-based system have largely been removed.
Under Enhanced Care, there should not be a need to take legal action to access care or to cover the vast majority of income losses after a crash.
ICBC's Basic insurance is the mandatory coverage you need to operate a vehicle in BC. It helps ensure that all British Columbians using our roads are protected with an adequate level of coverage.
Just as today, the cost of premiums will depend on a variety of factors, most notably whether you purchase full Basic and Optional insurance with ICBC. Premium costs will also depend on the level of Third Party Liability coverage you carry and whether your vehicle is primarily operated in BC or outside BC.
Note: Enhanced Care coverage is not changing the Insurance Rating model introduced in 2019.
We're focused on supporting our customers through this process and we will continue to update the information in this section so that you will be ready come May 2021.
To learn more about Enhanced Care coverage visit icbc.com/2021.
Claims before May 1, 2021
Enhanced Care automatically takes effect on May 1, 2021. This means that any insurance claims reported to ICBC for an incident that happened on or before April 30, 2021, will follow the rules of the former system and will not be covered under Enhanced Care.