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ICBC Autoplan

Buy or renew with BCAA – quick, easy and hassle-free.

Need to buy or renew your ICBC Autoplan? We make it simple – just give us a call, visit us in-person or renew online if you’re eligible. Whether you're buying car insurance for the first time, switching from another broker or renewing with BCAA again, we'll get you on your way quickly.

BCAA Members and non-Members welcome.

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Basic Autoplan

Mandatory car insurance in BC.
Provides a basic level of protection for liability, accident benefits, not-at-fault vehicle damage and injuries caused by underinsured drivers.

Optional Autoplan

Added protection for you and your vehicle.​
Includes options for at-fault vehicle damage, theft, higher coverage limits and more beyond Basic Autoplan.

Basic Autoplan - What's Included

Our local experts will make sure you have the car insurance you need. In BC, all vehicles are required by law to have Basic Autoplan.

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Third Party Liability 

If you get into a crash outside of BC, your ICBC Basic Autoplan covers up to $200,000 for others’ injuries or vehicle damage. It also covers you if you damage another person’s property such as if you hit and damage another person's fence.

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Enhanced Care Coverage

If you’re injured in a crash, ICBC will provide unlimited medical care and recovery benefits for treatments like physiotherapy, chiropractic, dental care, counselling, and more. Plus, up to $100,000 in lost wages, regardless of who was responsible for the crash.

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Underinsured Motorist Protection

Provides up to $1 million if you’re injured or killed by the driver of an underinsured vehicle, and you are not at fault for the crash.

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Basic Vehicle Damage Coverage

In the event of a crash that’s not your fault, instead of recovering the cost of your vehicle repairs from the insurance policy of the other driver, your policy will cover your vehicle repairs up to a limit of $200,000.

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Optional Autoplan - Add Ons

Get additional protection for you, your family and your vehicle with Optional Autoplan from ICBC.

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Comprehensive Coverage

Protect your vehicle from things other than a crash. Comprehensive coverage helps to pay for vehicle repairs after a break-in, windstorm or more.

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Excess Third Party Liability

Excess Third Party Liability provides coverage in excess of $200,000 if you get into a crash outside of BC and injure someone or damage their vehicle. It also covers you if you damage another person’s property such as if you hit and damage another person's fence.

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Collision Coverage

Fix your vehicle after a crash, regardless of who was at-fault. Collision coverage helps to pay for your vehicle repairs, towing and more. It also covers vehicle repairs from a hit and run driver.

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Income Top Up Coverage

Provides additional wage loss coverage up to $100,000 in excess of your ICBC Basic Autoplan limit.

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Hit and Run

Provides coverage up to $200,000 if your vehicle is damaged by a hit and run driver.

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Roadstar Package

No at-fault claims for at least 9 years? You can get rental vehicle coverage, loss of use coverage, vehicle travel protection, and lock rekeying.

Why Choose BCAA?

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One of BC’s Largest Autoplan Brokers

Every year, tens of thousands of BC drivers choose BCAA to renew their car insurance.

BC Based
BC Based

With deep local knowledge and over 50 years as an ICBC Autoplan broker, we understand the unique needs of BC drivers.

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Quick & Easy Renewals

Simply call us, visit one of our 29 locations across BC or renew online (if eligible).

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Helpful Renewal Reminders

We send timely SMS and email reminders so your renewal stays on track – one less thing to worry about.

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Renew your car insurance quickly and easily with BCAA.

 

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FAQs

You can renew your ICBC policy online if you meet the following criteria. Online renewals are available daily between 5:00 am – 12:00 am PST.

  • My vehicle is in one name only and is not in a company name
  • My policy is active (not expired), and I am looking to renew my existing coverage
  • I do not have any outstanding debts with ICBC

If you have BCAA Optional Car Insurance, you may also renew your existing coverage online. Renewing online will not allow you to make any changes to your policy or coverage. Before renewing, we recommend reviewing your policy to make sure it meets your needs.

Check if you are eligible to renew online by answering a few simple questions. Get started now.

If you prefer, you can renew with a BCAA Insurance Expert by calling 1.888.268.2222 Monday to Friday 8am – 6pm or Saturday 9am – 5pm, or by visiting your local BCAA Service Location. Note, some transactions cannot be completed over the phone, and you’ll need to visit a BCAA Service Location.

Most ICBC policies can be renewed over the phone, although you’ll need to visit a BCAA Service Location for the following transaction types:

  • I need to transfer vehicle ownership
  • I need to cancel an existing policy
  • I need to replace or request a new license plate
  • I need to renew and make changes to a policy with more than one vehicle owner

To continue with your renewal over the phone or for any other car insurance needs, give us a call at 1.888.268.2222 Monday to Friday 8am – 6pm or Saturday 9am – 5pm. Or, visit your local BCAA Service Location.

To coincide with the launch of online renewals and making car insurance more convenient, starting May 1, 2022, British Columbian drivers are no longer required to display a decal on their licence plate.

What continues to be important is ensuring that you keep your insurance documents in your vehicle at all times. If you're renewing online, you'll be able to print these out at home, request a copy by mail or, pick up a copy at your nearest BCAA Service Location.

If you drive less than 15,000 km each year, you could be eligible for ICBC’s Distanced-based Discount. If you think you may be eligible, submit your odometer reading online. Proof of your odometer reading must be dated within 7 days before or after your policy renewal date.

BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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BCAA Optional Car Insurance and Autoplan are sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency. BCAA Optional Car Insurance is underwritten by CAA Insurance Company and Autoplan is underwritten by the Insurance Corporation of British Columbia. The ICBC Autoplan logo is a trademark of the Insurance Corporation of British Columbia, used under license.