With on average 960 automobile crashes occurring in BC each day, making sure that you have the proper auto insurance coverage for you and your family is a must. Our experienced agents will find out the best coverage for you and can help you find out if optional private insurance is right for you.
The required auto insurance to have on your vehicle in British Columbia
Non ICBC optional products so you can choose the best level of protection for yourself
Make sure you’re covered. ICBC Basic Autoplan is the mandatory coverage you need for a vehicle in BC, providing the minimum amount of protection required.
Crashes cause injuries, damaged vehicles and damaged property. If you’re at fault, your Basic Autoplan covers up to $200,000 for others’ injuries and vehicle damage.
Cover the medical costs and lost wages for you and your passengers if you’re injured in a car crash, regardless of who’s at fault.
Provides up to $1 million if you’re injured or killed by the driver of an underinsured vehicle and you are not at fault for the crash.
Coverage up to $200,000 is available to BC 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 through Family Insurance Solutions and Intact Insurance, you can expect coverage for the following:
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.