Auto Insurance

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What is Autoplan?

Insurance Corporation of BC is the sole provider of Basic Autoplan insurance and must provide coverage to all vehicle owners who license and insure their vehicles in B.C. This system protects you because all B.C. motorists must carry at least a minimum amount of insurance. Your valid license plate number is your policy number.

What does Basic Autoplan cover ?

Third Party Liability

Basic Autoplan provides you with $200,000 worth of Third Party Liability coverage. Buses, taxis, limousines, heavy commercial vehicles (over 5,000kg GVW) and commercial trailers must carry $ 1 million in coverage and $ 2 million if dangerous goods are carried.

Accident Benefits

Autoplan Accident Benefits help you with medical costs and wage loss if you are injured in a motor vehicle crash, regardless of who is at fault.

Underinsured Motorist Protection

Underinsured Motorist Protection provides you with up to $ 1 million in coverage if you are injured or killed by the owner or operator of an underinsured vehicle and you are not at fault for the crash.

Hit-and-Run and Uninsured Motorist Coverage

Under B.C.’s Insurance (Vehicle) Act, automatic coverage up to a maximum of $200,000 is available to B.C. residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver on a highway in B.C. This benefit is separate from the coverage afforded by your basic compulsory insurance and is available to all B.C. residents, even if they don’t own and insure a vehicle.

Inverse Liability Coverage

This part of Basic Autoplan covers you, to the extent that you are not at fault, for loss or damage to your vehicle if the crash occurs in, or the at-fault driver comes from, certain parts of Canada or the United States where the right to recover losses is legally prohibited.

For a more comprehensive understanding of Basic Autoplan coverage please visit ICBC.

Optional Extended Third Party Liability Coverage

Many motorists increase their Basic Autoplan Third Party Liability coverage up to $ 5 million because if you are found at fault for a serious crash causing injury or damage, the courts can order you to pay damages well above $200,000.

If you choose not to purchase additional liability coverage above the $200,000 provided in Basic Autoplan and you are found liable for a claim, you will be responsible for paying the portion of the claim exceeding $200,000, as well as interest and legal costs assessed against that portion. If you have a crash that causes both property damage and bodily injury or death, claims for bodily injury or death have priority on the first 90 per cent of your liability coverage. Claims for property have priority on the 10 per cent balance. This also applies to Extended Third Party Liability coverage.

Personal Umbrella Liability Insurance can be combined with Autoplan Excess Third Party Liability coverage to extend limits up to $10 million. Your GNK representative can provide you with details about arranging Personal Umbrella Liability coverage.

Optional Autoplan Insurance Available:

• Coverage for your Vehicle
• Collision.
• Comprehensive.
• Specified Perils.
• Limited Depreciation.
• Coverage for Loss of Use.
• Coverage for Vehicle in Storage.
• Roadside Plus or Roadstar
• Loss of Use.
• Vehicle Travel Protection.
• Rental Vehicle Insurance.
• Family World Wide Transportation.
• Lock Re-Keying.
• Theft Deductible Waiver.
• Destination Assistance.
• Emergency Roadside Expense Repayment.

For a more comprehensive understanding of Optional Auto plan coverage visit:

ICBC Optional Coverage

For ICBC Autoplan Optional Coverage Policy Wording visit:

ICBC Autoplan Optional Policy

Registering Your Out-of-Province Vehicle

Because this process involves a longer than average time commitment for you and for us, we urge you to telephone us and make an appointment with us so that we can attend to your registration without undue delay.

What You Need to Do:

• You must register your vehicle within 30 days of bringing it into BC.
• You must turn in your out of province number plates and registration.
• The vehicle will need to be at your broker’s office for registration, at which time our representative will sight the Vehicle Identity Number (VIN), condition of the vehicle, and mileage.
• If you are moving to or new to BC (from another Canadian jurisdiction), you may qualify for a claims-free discount for up to 8 years of claims free driving.
• If your vehicle is coming from a Canadian jurisdiction you will need:
• Vehicle Registration.
• Bill of Sale if you did not own the vehicle prior to entering BC.
• Provincial Inspection.
• If your vehicle is coming from the US, or another foreign country, you will need:
• Vehicle Registration.
• Provincial Inspection.
• Bill of Sale if you did not own the vehicle prior to entering BC.
• Canada Customs and Revenue Agency Vehicle Import Form (Form 1).
• Canada Customs Form (B3, or B4E, or B15).
• Proper identification is required: generally a current BC Driver's License will be sufficient proof. Otherwise, ask us for the list of other acceptable proofs of identification before you attend our office.

How are Autoplan premiums calculated?

1. How you use your vehicle.
Your premiums reflect the amount of time you spend on the road and different conditions you drive in.

2. Where you live.
The province is divided into territories based on geography, because traffic and other driving risks vary around the province.

3. Your claims history.
A crash-free record gives you discounts on your Autoplan premium.

4. The protection you choose.
Optional products – like Collision, Comprehensive or extended third-party liability to protect you, your family and your vehicle – will add to what you pay.

5. Your deductible.
Your deductible is the amount you pay in a claim before ICBC covers the rest. The higher the deductible, the less your coverage will cost.

6. The vehicle you drive.
The age, make, model and features of the vehicle you drive, along with its repair costs, affect your premium.

TALK TO YOUR GNK REPRESENTATIVE TO REVIEW VARIOUS COVERAGE OPTIONS SO THAT TOGETHER YOU CAN CHOOSE THE PLAN THAT IS RIGHT FOR YOU AND YOUR FAMILY.

YOUR GNK REPRESENTATIVE WILL WORK WITH YOU TO ENSURE THAT YOUR INSURANCE IS CORRECTLY RATED TO AVOID UNNECESSARY PREMIUM CHARGES.