This is the most basic level of insurance required for all motor vehicles in British Columbia. Basic coverage is mandatory and provides a minimum level of protection.
ICBC optional plans include coverage for situations like theft, weather damage, and hit-and-run instances.
Several optional private insurance plans offer more tailored coverage based on your needs.
The ICBC Basic Autoplan is essential for ensuring that you are safe on the roads. All B.C. vehicles must have at least this level of coverage. It includes protection for all of the following situations.
In most instances, a vehicle crash causes significant damage to vehicles and property. Crashes can also cause bodily harm. If you’re responsible for the accident, your Basic Autoplan covers up to $200,000 for injuries and vehicle damage for the other party.
The Basic Autoplan accident benefits cover any medical costs and lost wages for you and your passengers if you are injured in a car crash, regardless of who is at fault.
If you are not at fault for a crash with an underinsured driver, this provision pays up to $1 million if you’re injured or killed by the other driver.
Coverage of up to $200,000 is available to B.C. residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver.
ICBC Optional Autoplan has a wide range of products to increase your level of protection including:
With private auto insurance Vancouver residents can expect coverage for the following through Family Insurance Solutions and Intact Insurance:
Speak with an AMC Insurance agent for specific details about Private Optional Insurance.
Collision covers damage to your vehicle if you are in an at fault accident. Collision also helps pay for towing and storage (If necessary) even if the crash is your fault. Collision is an optional additional coverage with ICBC.
Comprehensive coverage is similar to “All Risk” coverage. All perils are insured unless excluded in the policy wordings.
Specified Perils insures your vehicle for loss or damage from fire, earthquake, explosion, lightning, windstorm, hail, rising water and theft. Specified Perils is typically a lower cost alternative to Comprehensive Coverage.
Third party liability is coverage in case you are in an at-fault crash. If you are responsible for a claim, you could be liable for damages including injuries, vehicle damage and other expenses for the other driver and their passengers. Basic Autoplan insurance with ICBC covers $200,000 coverage for Third Party Liability. Higher liability limits are available.
The RoadStar Package includes Loss of Use coverage, Rental Vehicle Coverage, Vehicle Travel Protection and Lock Re-Keying.
Roadstar is sometimes also referred to as the discount level with ICBC. Once a driver reaches a 43% discount, they are considered Roadstar.
Roadside Plus includes Loss of Use Coverage, Rental Vehicle coverage, Vehicle Travel Protection, Lock Re-Keying, Emergency Roadside Expense Repayment, Theft Deductible Waiver, Destination Assistance and Family Worldwide Transportation.
Underinsured Motorist Protection protects you if you are in an accident and the other driver is at fault but does not have enough insurance.
With the new taxation law you can gift a vehicle to an immediate relation only including but not limited to: Spouse, Parent, Grandparent, Child (Spouse), Grandchild (Spouse) and Sibling (Spouse). Please pick up the appropriate form in our office. All other gifted vehicles will need to have a fair market value applied for taxation.
It is a good idea to record the following:
To get an ICBC Autoplan quote, you can visit or call any AMC Insurance location in BC. Alternatively you can request a car insurance quote through our online quote request form. AMC Insurance can also provide auto insurance quotes for private car insurance in BC.