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Common Questions

ICBC insurance questions.

The most effective ways to reduce your ICBC premium are: maintaining a clean driving record with no at-fault claims, reducing your annual kilometres driven (ICBC's Enhanced Care model discounts low-mileage drivers), choosing a vehicle with lower repair costs and a lower theft profile, and increasing your deductible on optional coverage. Completing a driver training course can also reduce the premium surcharge for new drivers.
Yes. All vehicles operated on BC public roads must carry basic ICBC insurance. There is no private alternative for mandatory coverage in BC — ICBC is the only provider. Optional extended coverage such as increased liability, collision, and comprehensive can be added through ICBC directly or through private insurers including Intact, Wawanesa, and Aviva. Driving without ICBC insurance in BC is a ticketable offence and voids your claim rights.
Yes. When you sell your vehicle and purchase a new one, your existing ICBC insurance can be transferred to the replacement vehicle at an Autoplan broker. The transfer is immediate and takes approximately 20 minutes. If your new vehicle has a higher value or different risk profile, your premium will be adjusted accordingly. If you sell without immediately replacing the vehicle, your unused premium is refunded for the remaining term.
Yes. Under BC law, the vehicle must be insured before it leaves the lot or the seller's address. When Easy Ride Canada delivers your vehicle, we coordinate so you can set up your ICBC Autoplan coverage through any licensed broker before delivery — it typically takes 15 minutes online or by phone.
Beyond mandatory basic insurance, most BC drivers benefit from: Collision coverage (pays for your vehicle if you're at fault in an accident), Comprehensive coverage (theft, weather, vandalism), and Extended Third Party Liability above the $200,000 basic minimum. If you're financing a vehicle, your lender will typically require both collision and comprehensive.
When you finance a vehicle in BC, your lender will require you to carry full coverage — meaning basic ICBC plus collision and comprehensive. This protects the lender's security interest in the vehicle. Easy Ride Canada walks every client through this before delivery so there are no surprises at the Autoplan broker.
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Car Insurance
in BC.

Optional Coverage

What optional ICBC coverage do you actually need?

Basic ICBC covers third-party liability, hit-and-run, and accident benefits. But for most BC drivers — especially those financing a vehicle — you'll want to add the following optional coverages through your Autoplan broker.

Collision Coverage

Pays to repair or replace your vehicle if you're at fault in an accident. Required by all BC lenders when financing. Typical deductible: $300–$500.

Comprehensive Coverage

Covers theft, vandalism, fire, hail, windshield damage, and hitting an animal. Also required by BC lenders. Especially important in rural BC and Northern BC.

Extended Third Party Liability

Basic ICBC provides $200,000 in third-party liability. Most BC drivers upgrade to $1–2 million for better protection. Annual cost is typically low relative to the coverage increase.

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