ICBC Car Insurance in Canada: 2025 Review & Honest Analysis
Our expert's review on ICBC
ICBC (Insurance Corporation of British Columbia) is the leading provider of mandatory car insurance for all drivers in BC. Its Basic Autoplan policy includes several formulas: third party liability (mandatory), enhanced accident benefits with no overall limit for medical and personal expenses, and basic vehicle damage coverage for those not more than 25% at fault.
Optional add-ons cover extended liability, collision, comprehensive, and new vehicle replacement, with deductibles customizable from $300 to $2,500 and various reimbursement ceilings, such as up to $1 million for underinsured motorist protection. ICBC’s extended protection packages (RoadStar and Roadside Plus) provide additional benefits for loss of use, rental vehicles, and roadside expenses, supporting policyholders who drive frequently or require flexible replacement transport.
ICBC maintains strong market reliability, writing all compulsory policies in BC and working through more than 900 brokers. However, current Trustpilot feedback is very limited (2.6/5, 4 reviews), with prevailing criticism on claims handling. For those seeking comprehensive, standardized provincial coverage—the bulk of private and commercial vehicle owners in BC, including families, high-mileage drivers, and new vehicle owners—ICBC offers robust, predictable protection, especially valued for the scale of its accident benefits.
- ✅Comprehensive accident benefits with no overall limit
- ✅Strong basic and optional coverage options
- ✅Customizable deductibles for different needs
- ✅New vehicle replacement and depreciation protection
- ✅Discounts for seniors, low-mileage, and safety features
- ✅Network of accredited repair shops with guaranteed repairs
- ✅Widespread broker network across BC
- ❌Complaints on claims dispute resolution
- ❌Limited Trustpilot reviews, mostly negative
- ❌Few standalone assistance services
- ❌No national competition in basic coverage
- ❌Strict eligibility for some discounts
Score- ✅Comprehensive accident benefits with no overall limit
- ✅Strong basic and optional coverage options
- ✅Customizable deductibles for different needs
- ✅New vehicle replacement and depreciation protection
- ✅Discounts for seniors, low-mileage, and safety features
- ✅Network of accredited repair shops with guaranteed repairs
- ✅Widespread broker network across BC
Our expert's review on ICBC
- ✅Comprehensive accident benefits with no overall limit
- ✅Strong basic and optional coverage options
- ✅Customizable deductibles for different needs
- ✅New vehicle replacement and depreciation protection
- ✅Discounts for seniors, low-mileage, and safety features
- ✅Network of accredited repair shops with guaranteed repairs
- ✅Widespread broker network across BC
- ❌Complaints on claims dispute resolution
- ❌Limited Trustpilot reviews, mostly negative
- ❌Few standalone assistance services
- ❌No national competition in basic coverage
- ❌Strict eligibility for some discounts
Score- ✅Comprehensive accident benefits with no overall limit
- ✅Strong basic and optional coverage options
- ✅Customizable deductibles for different needs
- ✅New vehicle replacement and depreciation protection
- ✅Discounts for seniors, low-mileage, and safety features
- ✅Network of accredited repair shops with guaranteed repairs
- ✅Widespread broker network across BC
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ICBC car insurance guarantees
ICBC provides Basic Autoplan, which includes mandatory third-party liability, enhanced accident benefits, coverage for damage to your car if not mostly at fault, and additional uninsured/underinsured protection, as is standard in BC.
Optional coverage such as collision, comprehensive, loss of use, higher liability limits, and new vehicle protection can be purchased à la carte, with custom deductibles and specialized options for rental, equipment, and roadside support. Enhanced medical benefits under the no-fault regime broadly cover most expenses, with few dollar limits outside statutory wage caps and maximums detailed for death and funeral benefits.
Notably, specialty options like Roadside Plus and RoadStar increase rental/alternative transport, and emergency, and travel-related protection, distinguishing ICBC from many carriers. Key limitations include strict exclusions for use, driving status, and vehicle class, as well as the need to purchase add-ons for some commonly desired protections.
| ICBC Autoplan + Optional coverages | |
|---|---|
| Formula positioning | Legal minimum with optional add-ons—customizable per vehicle, risk, and need |
| Type of cover | Liability, injury, own damage (optional), selected extras |
| Reimbursement rate (% of damages covered) | Up to repair/replacement cost, with deductible as purchased |
| Annual reimbursement ceiling | Policy limit; some accident benefits unlimited, others capped |
| Policy excess (per claim and/or annually) | Per claim; deductibles $300–$2,500+ depending on cover |
| Waiting period (before certain guarantees) | Loss of use (stand-alone): no use for 72+ hours after insured loss |
| Prior risk assessment | Driving record, conviction, claims history, not telematics |
| Payment facilities | Annual or monthly (with 3% surcharge) |
| Advance payment of claim-related costs | No—reimbursement after expense/repair |
| Compensation at purchase/agreed value | Replacement cost only for eligible new vehicles with right endorsement |
| Third-party liability (bodily/property) | $200,000 basic, higher by option |
| Own vehicle damage (collision, any fault) | Optional; claim pays repair up to actual cash value less deductible |
| Theft of vehicle (partial or total) | Optional with comprehensive, up to actual cash value |
| Fire (accidental or criminal) | Optional with comprehensive or specified perils |
| Broken glass (windscreen/windows/sunroof) | Optional with comprehensive; flying object claims may carry $200 ded. |
| Natural disasters (hail, flood, storm, etc.) | Optional with comprehensive or specified perils |
| Acts of vandalism | Optional with comprehensive; not covered under specified perils |
| All-risks damage (all causes incl. at-fault) | Only if “All Perils” is selected |
| Driver personal injury cover | Enhanced accident benefits, up to statutory maximums |
| Passenger injury cover | Enhanced accident benefits, up to statutory maximums |
| Vehicle accessories and modifications | Up to $1,000 for sound/comms equipment unless extra cover purchased |
| Personal belongings inside the vehicle | Some cover for tools; consumer goods, NC |
| Replacement vehicle (repairs/total loss) | Optional: Roadside Plus/RoadStar, rental & loss of use |
| Towing and roadside assistance | Optional: Roadside Plus, up to $50/incident |
| Use abroad (min local cover/opt. full cover) | Liability extends across Canada/US, but not for damage; travel add-ons apply |
| Vehicle use for professional/business | Must be rated correctly, otherwise excluded |
| Driving other vehicles | Limited, see rental car optional endorsements |
| Trailer or caravan towing cover | Only for stated types/trailers; exclusions for size/value |
Good to know
ICBC claims can be reported online or by phone 24/7, and you must purchase insurance through licensed Autoplan brokers across BC. ICBC supports paperless claims processing, offers translation services for claims reporting, and maintains a network of accredited repair shops where repairs are guaranteed for as long as you own the vehicle. Savings and discounts may be available for anti-theft devices, safe driving histories, vehicle safety features, low mileage, disability, or age.
Exclusions on ICBC car insurance guarantees
ICBC car insurance excludes claims arising from illegal uses or while the vehicle is being used for purposes not disclosed on the policy, a point they enforce more strictly than some competitors. There is no coverage if a crash occurs while the driver is unlicensed, suspended, impaired by alcohol or drugs, or using the vehicle in a crime, which is standard in the market but consistently applied by ICBC. Losses due to deliberate acts, fraud, or exaggeration of claims also lead to full denial of benefits. Technical failures, wear, tear, or breakdowns, as well as losses involving certain removable or non-standard equipment, are not covered unless specific conditions and documentation are met.
Unique to ICBC, coverage for special endorsements or high-value vehicles may be restricted based on use, vehicle class, and driver status, which demands increased attention by policyholders in BC compared to the national average.
| Exclusions | Details |
|---|---|
| Use-related exclusions | Illegal, criminal, or illicit activityUndisclosed commercial/professional useRacing or speed testingUse by excluded vehicle class or for prohibited purposes |
| Driver-related exclusions | Driving without valid licence or with suspended licenceImpaired driving (alcohol/drugs)Use by excluded or unauthorized driverSerious Criminal Code convictions |
| Technical exclusions | Wear, tear, mechanical breakdownNon-covered tire damageDetachable/removable equipment not forcibly takenFire/theft/vandalism (some limitations by depreciation endorsements) |
| Contractual exclusions | Fraudulent, exaggerated, or deliberate claimsSettlements without ICBC permission for UMPNon-residency voids certain protections |
| Geographical exclusions | Use or rental over $300 CAD/day not covered under rental policySome coverage limits/exclusions for vehicles outside BCExcludes vehicles over 5,000 kg in specific options/packages |
| Tier/package-specific exclusions | No coverage for losses in third model year under limited depreciation for specific perilsCertain accident benefits may be denied for injury from sickness, disease, or weapons |
Cost of ICBC car insurance
ICBC’s price positioning is generally mid-range, reflecting mandatory comprehensive protections and solid benefit ceilings relative to regional competitors. Its rates are typically higher than digital-first insurance providers due to traditional broker service, regulated pricing, and extensive default cover, including medical and liability benefits. Deductibles are moderate, but the core coverage required by law in British Columbia results in less flexibility for drivers seeking cheaper, more limited basic cover.
ICBC stands out for robust bodily injury and accident benefits, but lacks low-cost options and broad online self-management found with direct or digital competitors. The offering is strong for those valuing predictable coverage and in-person support but may be less cost-effective for profiles seeking minimal or customizable protection.
| Basic Autoplan | Optional Extended | RoadStar/Roadside Plus | |
|---|---|---|---|
| Young driver (18-24, compact) | $98/month | $134/month | $148/month |
| Standard driver (35-45, mid-size) | $71/month | $102/month | $114/month |
| Senior driver (60-70, city car) | $52/month | $82/month | $92/month |
| At-fault claim in last 3 years | $125/month | $176/month | $191/month |
| New SUV driver | $95/month | $139/month | $155/month |
| >25,000 km/year driver | $109/month | $156/month | $171/month |
To find the best deal for your driver profile, always compare rates before choosing your insurance:
Compare the best car insurance plans for free!Start comparingICBC Discount Codes
| Promotional codes ICBC | Details |
|---|---|
| HelloSafe promotional code | Value: -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
ICBC's car insurance reimbursements
| Claim or service | Average price (CA$) | Basic Autoplan (mandatory) | Comprehensive coverage (optional, highest ceiling) |
|---|---|---|---|
| Replacement of stolen car | 25,000 | ❌ | Up to actual cash value minus deductible (excluding excess) |
| Repair after at-fault accident | 6,000 | ❌ | Up to actual cash value minus deductible (excluding excess) |
| Windshield replacement (stone impact) | 700 | ❌ | Up to cost of repair/replacement minus deductible (excluding excess) |
| Vandalism repair | 2,000 | ❌ | Up to actual cash value minus deductible (excluding excess) |
| Theft of vehicle contents | 1,000 | ❌ | Up to $1,000 for equipment minus deductible (excluding excess) |
ICBC's car insurance assistance
ICBC’s auto insurance packages do not include 24/7 roadside assistance as a standard service, which is a gap compared to several major competitors. Emergency roadside expense repayment is available only as an optional reimbursement under the Roadside Plus add-on, rather than as a direct assistance hotline.
There is no specific coverage for assistance from home (0 km), and towing services are only reimbursed after the fact within policy limits, not coordinated by ICBC. Services like a replacement vehicle, alternative transport or accommodation, vehicle repatriation, and assistance abroad are either limited to trip-protection options within higher-level add-ons or not included at all. Notably, specialized assistance for electric vehicles, legal help after an accident, and support for pets are not present in the ICBC policy framework.
| Support ICBC | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | Not provided as a direct ICBC service. Optional Roadside Plus reimburses costs only. |
| Towing to repair facility / Extended towing | ❌ | Towing costs are reimbursed for eligible loss under add-on. ICBC itself provides no tow. |
| Assistance from home (0 km) | ❌ | No specific coverage for breakdowns occurring at home. |
| Replacement vehicle | ✅ | Only during repairs following an insurable loss with Loss of Use add-on or package. |
| Alternative transport or accommodation | ✅ | Covered only under trip-protection (Roadside Plus/RoadStar), and for eligible claims. |
| Vehicle repatriation | ❌ | No service for returning vehicle after an incident abroad. |
| Assistance abroad | ❌ | No breakdown or towing coverage provided outside Canada. |
| Assistance for electric vehicles | ❌ | No services for out-of-charge or specific electric vehicle risks included. |
| Battery assistance & fuel misfuelling | ❌ | No direct help for flat battery or fuel errors; costs reimbursed with roadside add-on. |
| Legal assistance after an accident | ❌ | No legal aid or recourse service included after an accident. |
| Assistance for animals on board | ❌ | No support for pet transport in the event of breakdown or accident. |
| Key recovery & lock replacement | ✅ | Theft of keys covered with Roadside Plus add-on. Up to $1,000 and deductible waiver. |
Customer feedback for ICBC's car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.6 / 5 (“Poor”), 4 reviews |
We have analyzed the reviews on the above-mentioned sites, here's what was said:
✅ The ICBC policy provides coverage that meets provincial standards and offers a clear claims process.
❌ The majority of customers cite unfair claim decisions and difficulties with dispute resolution.
❌ Some policyholders report vehicles being salvaged without their consent or proper notification.
❌ There is a lack of compensation for non-economic damages, such as pain and suffering.
❌ Several clients feel that they are blamed or not listened to even when not at fault, leading to frustration with customer service.
How to contact ICBC?
| Customer service ICBC | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct contact: Find your local Autoplan broker using the locator tool at https://icbc.com/locators or call Vancouver & Lower Mainland: 604-661-2800, elsewhere in BC/Canada/US: 1-800-663-3051. |
| To report a claim | File online at https://icbc.com/claims, or call Vancouver & Lower Mainland: 604-520-8222, elsewhere in BC/Canada/US: 1-800-910-4222 (available 24/7). Have your policy details and all incident documentation (photos, police report if applicable) ready. Claims can also be reported in person at ICBC claim centres, see https://icbc.com/locators. |
| To request and track a refund | Contact customer service at Vancouver: 604-661-2800 or elsewhere: 1-800-663-3051, or use https://icbc.com/about-icbc/contact-us. You may need to provide proof of overpayment and policy details. Refunds are generally processed by cheque or direct deposit, with an average observed reimbursement period of 2–6 weeks. |
| To obtain an insurance certificate | Contact your Autoplan broker in person (find a location at https://icbc.com/locators), or call ICBC at 604-661-2800 (Vancouver) or 1-800-663-3051 (elsewhere in BC/Canada/US). You’ll be asked for identification and your vehicle details. Certificates can typically be picked up in person or mailed to your address. |
| To contact assistance | For roadside or trip interruption reimbursement (if eligible): submit expenses via your Autoplan broker or claim centre; for questions, call ICBC at 604-661-2800 or 1-800-663-3051. Roadside Plus package holders can be reimbursed up to $50 per incident (twice per term) with receipts. No emergency or teleconsultation hotline; assistance is via reimbursement and phone support. |
| To cancel my contract | Visit your Autoplan broker (find at https://icbc.com/locators) in person to sign a cancellation form; bring your insurance policy, number plates, and proof of ID. If a refund is due, it is processed by cheque or direct deposit. Notice period is usually immediate upon surrender, but contact your broker or ICBC by phone (604-661-2800 or 1-800-663-3051) for details. |
FAQ
Do I have to pay in advance for repairs or assistance with ICBC?
ICBC partners with accredited auto body shops that generally handle payment directly, so you do not need to pay for repairs upfront at these locations. For towing or roadside emergencies under the Roadside Plus package, you pay the provider and can claim reimbursement up to the policy limit. If you choose a non-partner repair shop, some upfront payment or partial coverage may apply, so confirm with the shop in advance. ICBC assesses damages before repairs start and issues payment based on this assessment. In most cases, direct settlement occurs between ICBC and the repair facility to minimize out-of-pocket costs.
How do I cancel my car insurance contract with ICBC?
To cancel your car insurance contract with ICBC, visit any Autoplan broker in person, provide your policy details and licence plates, and sign a cancellation form. There is typically no mandatory notice period, but it is best to cancel before your next renewal date for optimal refunds. You may need to present valid ID and return your policy documents and licence plates. Refunds for unused premiums are usually prorated and returned via your original method of payment. The cancellation process is immediate once documentation is verified.
What optional coverages are available with an ICBC car insurance policy?
ICBC offers a variety of optional add-ons, such as Extended Third Party Liability, Collision, Comprehensive, and Specified Perils coverage. Packages like RoadStar and Roadside Plus add benefits like rental vehicle coverage, loss of use, emergency roadside assistance, and lock re-keying. New Vehicle Replacement Plus, Replacement Cost, and Limited Depreciation are available for newer vehicles. Optional coverages can be customized to match your needs with various deductible and limit choices. These extras are selected at the time of purchase or renewal with your Autoplan broker.
How does ICBC handle claims and how quickly can I get my car repaired?
You can report a claim 24/7 online or by phone, after which ICBC arranges an assessment of your vehicle’s damage either at an accredited repair shop or claim centre. If you use an ICBC-accredited shop, repairs are typically authorized quickly, and work can start soon after assessment. Payments for repairs are usually made directly to the shop, so you rarely need to pay out of pocket beyond your deductible. The time to complete repairs depends on the extent of the damage and shop availability. ICBC-accredited shop repairs are guaranteed as long as you own the vehicle.
Can I transfer my ICBC car insurance if I sell my vehicle or move out of British Columbia?
ICBC car insurance is vehicle-specific and cannot be transferred to a new owner if you sell your vehicle; you must cancel your policy and the new owner must purchase their own coverage. If you move out of British Columbia, you should cancel your ICBC policy and return your BC licence plates to an Autoplan broker. Refunds for unused premiums may be provided on a prorated basis after cancellation. Remember to acquire appropriate coverage in your new province or jurisdiction before cancelling ICBC. Always keep cancellation confirmation and payment details for your records.
Does ICBC offer any discounts on car insurance?
ICBC provides several discounts, including low mileage discounts for drivers who use their cars infrequently, anti-theft device discounts, and reduced rates for vehicles with factory-installed autonomous emergency braking systems. Seniors over age 65 and people with certain disabilities may qualify for a 25% Basic Autoplan discount. Additional savings are possible if you own a newer car with advanced safety features or use your vehicle for pleasure rather than commuting. Discuss available discounts with your Autoplan broker to maximize your savings. Not all discounts apply to every policy or coverage type.
Do I have to pay in advance for repairs or assistance with ICBC?
ICBC partners with accredited auto body shops that generally handle payment directly, so you do not need to pay for repairs upfront at these locations. For towing or roadside emergencies under the Roadside Plus package, you pay the provider and can claim reimbursement up to the policy limit. If you choose a non-partner repair shop, some upfront payment or partial coverage may apply, so confirm with the shop in advance. ICBC assesses damages before repairs start and issues payment based on this assessment. In most cases, direct settlement occurs between ICBC and the repair facility to minimize out-of-pocket costs.
How do I cancel my car insurance contract with ICBC?
To cancel your car insurance contract with ICBC, visit any Autoplan broker in person, provide your policy details and licence plates, and sign a cancellation form. There is typically no mandatory notice period, but it is best to cancel before your next renewal date for optimal refunds. You may need to present valid ID and return your policy documents and licence plates. Refunds for unused premiums are usually prorated and returned via your original method of payment. The cancellation process is immediate once documentation is verified.
What optional coverages are available with an ICBC car insurance policy?
ICBC offers a variety of optional add-ons, such as Extended Third Party Liability, Collision, Comprehensive, and Specified Perils coverage. Packages like RoadStar and Roadside Plus add benefits like rental vehicle coverage, loss of use, emergency roadside assistance, and lock re-keying. New Vehicle Replacement Plus, Replacement Cost, and Limited Depreciation are available for newer vehicles. Optional coverages can be customized to match your needs with various deductible and limit choices. These extras are selected at the time of purchase or renewal with your Autoplan broker.
How does ICBC handle claims and how quickly can I get my car repaired?
You can report a claim 24/7 online or by phone, after which ICBC arranges an assessment of your vehicle’s damage either at an accredited repair shop or claim centre. If you use an ICBC-accredited shop, repairs are typically authorized quickly, and work can start soon after assessment. Payments for repairs are usually made directly to the shop, so you rarely need to pay out of pocket beyond your deductible. The time to complete repairs depends on the extent of the damage and shop availability. ICBC-accredited shop repairs are guaranteed as long as you own the vehicle.
Can I transfer my ICBC car insurance if I sell my vehicle or move out of British Columbia?
ICBC car insurance is vehicle-specific and cannot be transferred to a new owner if you sell your vehicle; you must cancel your policy and the new owner must purchase their own coverage. If you move out of British Columbia, you should cancel your ICBC policy and return your BC licence plates to an Autoplan broker. Refunds for unused premiums may be provided on a prorated basis after cancellation. Remember to acquire appropriate coverage in your new province or jurisdiction before cancelling ICBC. Always keep cancellation confirmation and payment details for your records.
Does ICBC offer any discounts on car insurance?
ICBC provides several discounts, including low mileage discounts for drivers who use their cars infrequently, anti-theft device discounts, and reduced rates for vehicles with factory-installed autonomous emergency braking systems. Seniors over age 65 and people with certain disabilities may qualify for a 25% Basic Autoplan discount. Additional savings are possible if you own a newer car with advanced safety features or use your vehicle for pleasure rather than commuting. Discuss available discounts with your Autoplan broker to maximize your savings. Not all discounts apply to every policy or coverage type.
