Private Auto Insurance in British Columbia
Explore the benefits of private auto insurance in BC.
Why You Should Consider Private Insurance
1
More choices
Explore various private insurance options that offer greater flexibility for optional coverages not typically included in your ICBC policy.
2
Competitive rates
Take advantage of competitive pricing that matches your individual driving habits. Private insurers often deliver meaningful savings for low-risk drivers versus standard public coverage.
3
Better deductibles
Lower out-of-pocket costs with more flexible deductibles. Private insurers often provide lower-cost deductible options, giving you greater freedom to customize your policy to fit your needs.
Your Options Beyond ICBC Basic Insurance
Drivers can buy optional coverage through ICBC beyond the basic insurance, which includes protections like collision, comprehensive, higher liability limits, and more. This ensures you are covered in a wider range of scenarios, from fender benders to theft.
Private insurance carriers can also provide these same optional coverages. This gives BC drivers the freedom to choose where they spend their insurance dollars for everything beyond the mandatory legal minimum.
Private carriers may offer more competitive rates and expanded coverage options. Contact us to compare plans side-by-side to find the most cost-effective and comprehensive solution for your vehicle.
ICBC Basic: The Legal Minimum
ICBC Basic Autoplan is required for every vehicle in British Columbia. It provides the bare minimum level of protection needed to be legally allowed on the road.
This mandatory coverage typically includes basic third-party liability and accident benefits to help cover costs associated with injury or legal responsibility during a collision.
While ICBC Basic meets legal requirements, it is not designed to cover every possible risk, leaving drivers looking for additional protection options.