Automobile/Autoplan

Starting May 2021, all British Columbians will be protected under a new type of auto insurance, called Enhanced Care coverage. Enhanced Care is focused on making your insurance premiums affordable and more stable moving forward. 

Enhanced Care
  • Drivers save on average, 20% and have more stable rates
  • No maximum limit in care and recovery
  • Up to 90% of net income in wage loss payments (up to $1,200 per week - higher limits available)
  • Care when you need it, for as long as you need it
  • 100% of care benefits and compensation go to you
  • No legal action, except in Criminal Code offence

New legislation
Under Enhanced Care, ICBC will be required, by law, to advise and assist every British Columbian with their claim and endeavour to ensure that every person is informed about, and receives, all the benefits to which they are entitled.

Driving outside of B.C.
If you’re injured in a crash anywhere in Canada or the U.S., you’ll still be covered by all the care and recovery benefits under Enhanced Care, regardless of whether you caused the crash. However, you’ll need to remember that when you are driving outside of B.C., you are under the laws and regulations of that jurisdiction. So, if you are in a crash in another province or in an area of the U.S. where taking legal action on your claim is possible, you may be able to sue the at-fault driver there for compensation.
Equally, if you cause a crash in one of those jurisdictions, you may still face the threat of legal action too. That’s why you may want to purchase optional third-party liability coverage, to extend the coverage you receive in your basic insurance and protect yourself when driving out of province. 

Optional coverage to consider
  • Extended Third Party Liability
  • Unlisted Driver Protection (UDP)
  • Collision (including Hit & Run in BC)
  • Hit and Run (stand-alone coverage for BC only)
  • Comprehensive or Specified perils
  • New Vehicle Replacement Plus, Replacement cost or Limited Depreciated
  • RoadStar or Roadside Plus
  • Extra Equipment
  • Off-Highway Third Party Liability
  • Income Top-up Policy (APV435)

Discount

ICBC offers the following discounts:

  • Passive Immobilizer Discount
  • Low Kilometre Declaration (under 5,000 Km)
  • AEB Declaration (autonomous emergency braking) 
  • Fleet discounts (5 or more qualifying vehicles)

Have a collectible vehicle? Hagerty may be the answer.  Let us get you a quote.

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Drop into the Surrey or Maple Ridge office to review your coverage with one of our experienced insurance brokers.