AUTOMOBILE INSURANCE

All motorists in BC must carry basic automobile insurance with ICBC to drive a vehicle in the lower mainland area.

ICBC ENHANCED CARE COVERAGE

As of May 1, 2021, legislative changes are in effect that ban lawsuits in the event of a motor vehicle accident, unless there is criminal negligence. This is expected to save millions of dollars in court costs and lawyers fees, and as such, ICBC has enhanced the coverages and reduced the premiums British Columbians will pay for insurance.

This new Enhanced Care Coverage model focuses on the care and recovery of those injured in a crash:

ENHANCED ACCIDENT BENEFITS

  • There is no overall limit in care and recovery benefits for BC Residents injured in a crash.
  • Wage loss coverage has increased to up to $100,000 gross income, with the ability to top up.

BASIC THIRD-PARTY

  • Provides coverage for up to $200,000 limit for passenger vehicles.
  • Covers damage you cause to someone else’s vehicle.
  • Covers injury and property damage you cause outside of B.C.

EXTENSION THIRD-PARTY

Provides additional protection above the basic third-party coverage limit. This coverage is required in B.C. for property damage more than $200,000, as well as if you are driving outside of the province of B.C.

BASIC VEHICLE DAMAGE (BVDC)

  • Covers up to $200,000 to repair your vehicle if you are not responsible for the crash.
  • There is no deductible applicable.
  • If responsibility is split, BVDC will pay for the portion a driver is not responsible and the drivers own damage collision coverage applies for the remainder of the damage.

OTHER COVERAGES INCLUDED

  • Underinsured Motorist Protection, provides coverage in the event of injury/death in a crash as a driver, passenger, pedestrian or cyclist. For claims up to $1 million per insured person
  • Inverse Liability, covers you in parts of Canada or the US where local laws don’t let you claim against the person who caused the crash.
  • Unidentified/Uninsured Motorist protection, covers all B.C residents for non-vehicle property damage.

OTHER COMMON COVERAGES

OWN DAMAGE

  • Collision is required to cover your vehicle damage if you are at fault.
  • Comprehensive covers fire, theft, vandalism, glass, impact with animals, storm and more….
  • Specified Perils is a less expensive option that is not as broad as comprehensive coverage (covers fire and theft only).

HIT AND RUN you now must purchase this coverage or have collision coverage for hit and run coverage in B.C.

LOSS OF USE to ensure a rental car in the event of a claim.

REPLACEMENT COST OR LIMITED DEPRECIATION to ensure the highest possible payout or a new vehicle in the event of a total loss.

VEHICLE IN STORAGE coverage for when your vehicle is not licensed.

INCOME TOP UP Accident benefits allow for up to $100,000 in loss of wage. If this limit is not sufficient, you can purchase an Income top in up in $10,000 increments to a maximum of $100,000.

AND MORE…

MANY THINGS AFFECT YOUR AUTOPLAN PREMIUMS

  • How you use your vehicle; whether for business, to and from work or school, pleasure use, artisan use, delivery use.
  • Where you live. For example, the Lower Mainland is more expensive than the Chilliwack area.
  • Your driving experience and claims history.
  • The vehicle you drive. Cars that are more expensive to repair, cars that tend to be involved in more crashes, and cars that are stolen more often than others cost more to insure.

We are happy to review your auto needs and explain the coverages in detail.

Coverage can also include

We offer substantial discounts for

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