At B&W, we consider your vehicle usage, driving history, and personal insurance requirements to ensure you have the right policy to cover you and your vehicle on the roads. Have questions about ICBC's new driver-based rating system? Click here to find out how how it may affects you.

Looking to simply renew your ICBC Autoplan insurance? You can now renew online or over the phone with B&W Insurance!

Basic Coverage

In BC, all vehicles are required by law to have a basic level of car insurance (called Basic Autoplan). With 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.