Basic Autoplan & Enhanced Care Coverage
ICBC Basic Autoplan is mandatory insurance for all B.C. vehicle owners and drivers. Here's what's included:
Medical & Recovery (Enhanced Care)
If you're injured in a crash, Enhanced Accident Benefits cover medical costs with no overall limit. Income replacement benefits are also available if you're unable to work. Optional Income Top-Up coverage is available if you earn above the annual threshold.
Basic Vehicle Damage
Basic insurance includes up to $200,000 in vehicle damage coverage with no deductible when another driver is at fault and you are less than 25% responsible for the crash. Optional coverages are available for additional protection.
Third Party Liability & Underinsured Motorist Protection
Basic insurance includes $200,000 in Third Party Liability and $1,000,000 per person in Underinsured Motorist Protection. Inverse liability protection covers you in parts of Canada or the U.S. where local laws may limit your ability to make a claim. Optional Extended Third Party Liability is available for added protection.
Unlisted Driver Protection
If you occasionally lend your car to someone not listed on your policy, Unlisted Driver Protection covers you from a financial penalty if they cause a crash. Available as an add-on to both Basic and Optional insurance, this protection is free as long as no unlisted driver causes a crash in your vehicle.
ICBC Optional Coverages
Customize your protection beyond Basic Autoplan with a range of optional coverages tailored to your needs.
Addtional Ways to Save
If you drive less than 15,000 kilometres per year, you may qualify for a distance-based discount on your Basic and optional coverages. Drivers under 5,000 kilometres per year can save 10% on Basic coverage, while optional coverage discounts range from 10-15% depending on how little you drive. Submit your odometer reading at renewal to see if you qualify.
Renew your ICBC Autoplan Online
Renew your ICBC Autoplan today—click here to complete your renewal online with us.