Does my credit score affect my ICBC insurance cost in BC?

No. ICBC uses your driving record — not your credit score — to set insurance premiums. Bad credit borrowers pay the same ICBC rates as applicants with excellent credit, assuming equivalent driving histories.

Does the lender require specific ICBC coverage levels?

Yes. Most auto lenders require comprehensive and collision coverage in addition to Basic Autoplan. Coverage minimums vary by lender — your Easy Ride Canada advisor discloses all coverage requirements before vehicle selection.

Can I use private auto insurance instead of ICBC in BC?

No. BC law requires all registered vehicles to carry Basic Autoplan insurance through ICBC. Optional and enhanced coverage can be purchased through private insurers as a supplement, but Basic Autoplan is mandatory.

How long does ICBC registration take for an Easy Ride Canada vehicle?

Registration at an ICBC Autoplan broker typically takes under one hour when you arrive with the complete transfer package Easy Ride Canada provides. No appointment is required at most Autoplan locations.

Car Loans & ICBC Insurance BC

How it works —start to delivery.

Four steps. No dealership visit.

Answer a few questions — no hard credit pull, takes under 2 minutes.
Your advisor submits to 20+ lenders simultaneously.
Receive real approval options within 24–48 hours.
Sign digitally. Vehicle delivered to your door anywhere in BC.

What our clientsare saying.

"The ICBC stuff confused me so much as a new BC resident. My Easy Ride advisor explained everything step by step.Car arrived with all the paperwork ready.

Get approved.Drive sooner.

Apply free in under 2 minutes — no hard credit pull. A real advisor texts you within 24 hours with options from 20+ lending partners.

Used car financing available BC-wide for all credit types. Bad credit and no-credit approvals processed daily.

ICBC and Car Loan Financing in BC — What You Need to Know

ICBC basic Autoplan insurance is mandatory in BC and must be in place before you can drive your financed vehicle off the lot — or accept delivery from Easy Ride Canada.

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