Driving a car or truck has become more than a luxury, it is a necessity these days, so having the right insurance coverage is important. Auto insurance is mandatory in B.C. to protect you, and others, should an accident occur.
If you need to report a claim on your vehicle please call ICBC’s Dial-A-Claim centre at 1-800-910-4222. (Note: this number is for calls outside of the BC's lower mainland, the rest of Canada and the US).
To make your claim as fast and stress-free as possible, please have the following information ready when you call:
- Your vehicle license plate number.
- The driver’s license number of the person driving your vehicle.
- The license plate and driver’s license numbers of the other vehicle(s) involved.
- Where the crash happened.
- When the crash happened.
ICBC is the sole provider of Basic Autoplan insurance in B.C. They provide coverage to all motor vehicle owners who license and insure their vehicle in the province.
Basic Autoplan Insurance protects you and, in the event of a crash, pays for your injury-related medical and rehabilitation expenses, no matter who is at fault. Basic Autoplan includes: Third Party Liability, Accident Benefits, Under insured Motorist Protection, Hit-and-Run and Under insured Motorist coverage and Inverse Liability coverage.
Optional Autoplan insurance provides additional coverage if you choose. Common Optional Autoplan coverages are: Extended Third Party liability which gives you additional Third Party Liability protection; Collision insurance which pays for repairs or replacement of your vehicle if damaged and if you are at fault; Comprehensive insurance which covers loss or damage caused by fire, theft, vandalism, and windshield damage, among other causes.
Roadside Plus is another optional insurance available to most ICBC customers if their policy has a Claim-Rated Scale discount of base rate or lower and if they purchase Autoplan Collision coverage with a $1,000 or less deductible.
Roadside Plus includes: Loss of Use, Vehicle Travel Protection, Rental Vehicle, Family World Wide Transportation, Lock Re-Keying, Theft Deductible Waiver, Destination Assistance and Emergency Roadside Expense Repayment coverage.
ICBC also provides extra and special insurance coverage. Contact us for more detailed information.
Private Auto Insurance / Motorcycle
All vehicles in B.C. must have basic coverage from ICBC, which covers you for liability up to $200,000. After that you have the option to increase your liability and add on collision and comprehensive insurance to your automobile or motorcycle from one of many private insurance companies. We are happy to provide you with a quote on your motorcycle privately with exclusivity with Megson Fitzpatrick, market leaders in private motorcycle coverage.
On-site Service/Dealer Service
When you purchase a new vehicle you are probably eager to drive it off the lot as soon as possible. To help you get on your way Porter and McMillan is happy to offer on-site insurance service at your convenience. We will come to you and insure your car on-site through ICBC, so you can leave the dealership with your new plates, and your new wheels!
Any type of vehicle you need a license plate for, including recreational vehicles we can insure on-site for you.
Auto Replacement Insurance
Guaranteed Total Loss Protection up to 5 Years
Full replacement cost on newer vehicles: Current or preceding model year with less than 15,000 km qualify for full replacement cost, regardless of the number of previous owners. This policy will get you back into a brand new vehicle should you have a total loss.
Enhanced limited depreciation on older vehicles for up to a 5 year term: Vehicles up to 5 model years old or newer with more than 15,000 km qualify for our limited depreciation coverage.
Deductible reimbursement: Available on both the full replacement coverage and enhanced limited depreciation coverage. On a total loss multi perils there will be a reimbursement up to $500 deductible no matter who is at fault. Partial loss mulit perils will reimburse up to $250 deductible, which would cover claims such as small collision claims (fender benders) and glass breakage.
Whether it's your car, motorcycle, RV or trucks up to 1 ton, Access Roadside Assistance will provide coverage through your choice of 5 separate customized membership options. If you get a flat tire, stuck on a snowy road, in a ditch, a dead battery in the middle of nowhere, your car won't start or it's out of gas......we are never far away when you have our Access Roadside Assistance Protection. We're there when you need us, no matter what time - we have always got time for you! So enjoy your ride. We are at your side!
Frequently Asked Questions
When making changes to our insurance do both owners have to sign?
If there are no changes to the insurance or additional coverage purchased, only one owner is required to sign. However, changes to the policy that will decrease the premium or result in less coverage require the signature of both registered owners.
What is the minimum amount of time I can insure my vehicle for?
The minimum amount of time you can unsure your vehicle is three months. If you only need your vehicle for a few days, you may consider a Temporary Operating Permit. The registered owner(s) can purchase a permit for one to 10 days.
What do I need to cancel insurance on my vehicle?
You will need to take your current ICBC insurance documents and license plates for the policy you wish to cancel, along with identification. If there is more than one owner on the policy, both persons need to come to the office and sign papers. If the vehicle is leased, a representative of the leasing company must request a letter of authorization or sign for the cancellation. The dealership you leased the vehicle from would have the signing authority for the cancellation.
Can I still drive the vehicle even if I’m not the Principal Operator?
Anyone with a valid Drivers License can drive your vehicle, even if they are not the principal operator. However, if you have someone in the household with less than 10 years of driving experience who is driving the vehicle, be careful that you do not have a restriction on your policy against them.
Is my vehicle insured for underage drivers?
You may be eligible for further savings if the registered owner, principal operator, and all household members using your vehicle have held a valid drivers license for 10 years or more. This can include a drivers license held in another jurisdiction including outside of Canada. If you have people in the household driving the vehicle, and they have not held a valid drivers license for the ten years, be sure to remove that restriction. The restriction can also be added and removed at any time throughout the policy term. If you are unsure if you have the restriction on your policy, you can check the papers in your vehicle and it will state the restriction in your VEHICLE USE, or contact your Autoplan broker.
How do I determine Principal Operator? Can I make changes to the Principal Operator mid-term?
The Principal Operator is the person who will operate the vehicle the majority of the time or 51 per cent of the current insurance term. The Principal Operator must be declared at the beginning of the term, and the insurance premium will be determined from the Principal Operator’s CRS discount. If the Principal Operator changes during the policy term, the registered owner of the vehicle must wait until the next renewal to redeclare the new Principal Operator. It is important to declare the Principal Operator in order to get a better DRS discount, or they could be held in breach of their insurance in the event of a claim.
What is Comprehensive?
Comprehensive insurance includes coverage for loss or damage caused by fire, lightning, theft (except by an employee or member of your household), vandalism, malicious mischief, windstorm, earthquake, hail, impact with animals, missiles, falling or flying objects, riot, civil commotion, rising water or the stranding, sinking, burning, derailment or collision of a conveyance transporting the vehicle on land or water. We also have a less expensive option which will cover you for Specified perils of just fire and theft.
What is Collision?
Collision insurance pays to repair or replace your vehicle if it is damaged as a result of upset or a collision with another vehicle, a person or an object including, the ground or highway, or impact with an object in or on the ground.