Understanding the options available to you will ensure you have the right policy to cover you and your vehicle. ICBC’s rating model has changed to a driver-based system, click here to find out how this affects you. Talk to one of our experts for more comprehensive information about limits and coverages: 1-877-559-7556

Basic Coverage

With the minimum insurance requirements you are covered for $200,000 Third-Party Liability, Accident Benefits, Underinsured Motorist Protection, Hit and Run/Uninsured Motorists, and Inverse Liability Coverage.


The Basic Autoplan policy will not cover you outside of the continental United States or Canada. Should you wish to travel to Mexico or to any other country outside of North America, it is recommended that you purchase adequate insurance for those jurisdictions.

Optional Auto Coverage

Optional insurance covers you in excess to the basic policy, including Excess Third-Party Liability, Excess Underinsured Motorist Protection, Loss of Use, Roadside Plus, Roadstar Package, Replacement Cost, Limited Depreciation, Collision, Comprehensive, and Specified Perils.