All residents in British Columbia who own an auto must carry basic ICBC Autoplan insurance which must be purchased from your autoplan broker representing the Insurance Corporation of British Columbia (ICBC). This is the minimum amount of insurance any vehicle must carry to operate legally in British Columbia.
Generally, Basic Autoplan provides coverage to protect you as a person in five different ways:
Basic Autoplan does not cover you outside Canada and the United States. (So, if you’re driving into Mexico, be sure to buy insurance BEFORE you cross the border!). Basic Autoplan doesn’t cover the replacement of, or repairs to your vehicle, or many other risks that are covered in optional insurance. For additional details on the Basic Autoplan, visit: Basic Autoplan by ICBC
There are two fundamental reasons:
We make sure that you know about and have access to all of the applicable discounts available to you, such as: