Auto Insurance
In Canada, auto insurance varies from province to province. At present, the auto insurance in BC province is managed uniformly by ICBC.
BC auto insurance is divided into two types: Basic Coverage and Optional Coverage. The price of insurance is different according to each policyholder ( accident record, age and driving license level, etc). We can help you to select the right ICBC coverage and options for your needs.
Basic Coverage
Medical Cost ,Income Replacement and More
Enhanced Accident Benefits help you with medical costs, wage loss and more. This benefits will provide 90 per cent of your net income, up to a maximum of $100,000 gross annual income. If your gross earnings are more than $100,000 per year, Income Top-Up coverage is available
Basic Vehicle Damage Coverage
Up to $200,000 of Basic Vehicle Damage coverage covers repairs when the other driver is responsible. If you are responsible for a crash, your Optional Collision coverage will pay for the repairs to your vehicle.
Protection if you’re responsible for a crash
Your Basic insurance includes $200,000 in Third Party Liability (TPL) coverage. If you want to increase the amount of coverage you may want to consider Extended Third Party Liability coverage, an optional Autoplan product.
If other driver doesn’t have enough insurance.
If other driver doesn’t have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you and members of your household for claims of up to $1 million per insured person.
Protection where local laws can affect your claim
Inverse liability protection covers you in parts of Canada or the U.S. where local laws don’t let you claim against the person who caused your crash.
Optional Coverage
Optional Collision Coverage
Cover repair and replacement costs, even if you're at fault.
Hit and Run Coverage
Cover repair and replacement costs caused by a hit and run driver.
Income Top-Up
Optional coverage that tops up the Enhanced Care income replacement benefit.
Comprehensive Coverage
Non-collision damage can come in all shapes and sizes. Make sure you're protected.
Extended Third Party Liability coverage
The costs of a crash can add up. Are you covered?
Loss Of Use
Loss of Use coverage can help you stay mobile after a claim.
Insurance Providers
ICBC
The Insurance Corporation of British Columbia (ICBC) is a provincial Crown corporation in British Columbia created in 1973。Since ICBC's creation, its responsibilities have expanded to include driver licensing, vehicle registration, auto insurance and various road safety initiatives.
More Information
Claims
What you'll need to report a claim：
– The licence plate number of each vehicle involved
– Driver’s licence number of each driver involved in the crash
– Insurance information for vehicles not insured by ICBC
– Police file number (if applicable)
