ICBC policies effective May 1, 2022 can be straight renewed online and no longer require decals on license plates.
Click here to get started, and remember to select one of our branches when prompted to select a broker, so that we can continue to support you as your broker advisor (you’ll need to search the postal code of any of our branches to geo-locate the one you want). Once completed, you can print out a copy of your policy, which you’ll need to keep in your car at all times. License plates with policies effective after May 1, 2022, will no longer require a decal.
Transactions that can be completed online:
- Renew existing policy with existing coverage
- Add/change/remove principal or listed drivers
- Change vehicle use (i.e. pleasure use, driving to/from work, delivery, etc.)
- Apply for a policy discount (i.e. low mileage, automatic emergency braking, etc.)
- Update personal details (i.e. address, email, etc.)
Transactions that cannot be completed online, and will require our support:
- Adding/removing/changing optional coverages (i.e. collision, comprehensive, roadside plus, etc.)
- New policies or Temporary Operating Permits (TOP)
- Cancellations
- Renewals of lapsed policies
- Renewals of leased, jointly-owned, company-owned or commercial/fleet vehicles
- Renewals of collector vehicles or motorcycles
Alternatively, you can still visit any of our locations to handle all your ICBC auto insurance needs, or call us and process over the phone. Whether you need advice on your current situation or just need to do a simple renewal, our experienced and professional staff will ensure you understand what coverage you’re paying for, all in a hassle-free environment.
ICBC Enhanced Care
ICBC’s new enhanced care coverage (effective May 1, 2021) has lowered premiums and increased benefits for customers. This is possible due to a reduced burden of legal fees, since your vehicle repairs due to an accident are no longer covered by the at-fault party, but now covered by your own basic coverage.
Highlights of the main differences include:
- Your vehicle repair costs when you’re not at-fault in an accident, is now covered by your ‘Basic Vehicle Damage’ coverage, up to $200,000.
- Third Party Liability’ now covers only unique scenarios such as out-of-province accidents, damage to vehicle contents (e.g. laptop) or property (e.g. fence, building), and business interruption
- ‘Hit and Run’ coverage is no longer included in your basic coverage, and is instead available as a separate optional coverage
- No max limit for care and recovery expenses; coverage for as long as you need it
- Up to 90% of net income in wage loss payments
- Reduction in premiums and more stable rates
- No legal action (except in criminal code offenses)
For information on reporting an ICBC claim, click here.
FAQ
44 days or less, before policy expiry.
- Damage to the other car is covered by the other person’s enhanced care coverage.
- Damage to your car is covered only if you have purchased optional collision coverage. Otherwise you must pay for repairs out-of-pocket.
- If you sustain any injuries or need treatment, your policy will cover medical care and rehabilitation expenses on an as-needed basis.
- Your premium will be affected at next renewal.
No, your premium will not increase since you are not at-fault in this accident.
Your vehicle repair costs will only be covered if you’ve purchased optional ‘Hit-and-Run’ or ‘Collision’ coverage. Hit-and-run claims are no longer covered by ICBC’s basic coverage. Your medical expenses would still be covered by your basic coverage if needed however.
(In contrast, if the at-fault driver is identified, your vehicle repair costs would be covered by your basic coverage, and the at-fault driver’s premiums would increase.)
ICBC will credit you with up to 15 years’ of driving experience outside of Canada if you provide them with your license history.
Since your son is a household member but is unlisted, you will face a one-time financial penalty. Unlisted Driver Protection does not apply here as it excludes accidents cause by household members. This crash will then go on your son’s driving record.
If rated as ‘pleasure use’, you can use your vehicle to drive to work/school, use for business, or use for delivery, only up to six days in a calendar month.
If you have comprehensive coverage, you will pay your comprehensive coverage deductible for windshield claims, however if the windshield damage is minor and can be polished instead of replacing the whole windshield, it may be free for you. The extent of damage can be confirmed with your ICBC-approved glass repair facility.
