British Columbia car insurance quotes

Yes, it’s the law. There is mandatory public insurance coverage you need to legally operate a vehicle in British Columbia. You can extend your basic autoplan coverage through the ICBC or any private insurer to further protect yourself.

ICBC insurance products for ride-sharing services became available on September 16, 2019. However, ICBC sells a blanket insurance certificate to the ride-hailing company, not the individual drivers. This blanket coverage is mandatory for any ride-hailing company (e.g. Uber, Lyft, etc.) and provides coverage for Accident Benefits and up to $1,000,000 third party liability.

With this insurance, you and your passengers have coverage with the ride-hailing company’s Basic insurance when you have accepted a trip via the app, en route to pick up the passenger(s), and transporting the passenger(s).

The amount of insurance fraud and claims are the primary reasons why British Columbia’s 4.6 million drivers pay so much for car insurance.

No, it’s great for peace of mind in case of a battery failure, tire puncture, or you need a tow. BCAA, for instance, starts at $80/year.

No, but it can save you money on car insurance. It’s also great for peace of mind in case of a battery failure, tire puncture, or you need a tow. CAA, for instance, starts at $70/year and members can save up to 20% (or roughly $280) on car insurance.

Before you report a claim, you’ll need the license plate number of each car, the driver’s license number of all the driver’s involved, and the insurance information of the vehicles not insured by ICBC. It’s also a good idea to get the police file number and your preferred repair facility. You can file a car insurance claim online or call toll free at 1-800-910-4222.

All offences stay on record for five years. In B.C. there is a Driver Penalty Point Premium. Each traffic offence has a number of points associated with it. The ICBC looks at the total number of points over a 12-month period they call the “assessment period.” If there are more than three points on your driving record during this period, you’ll pay a Driver Penalty Point (DPP) premium. DPP’s are separate from Autoplan insurance premiums.

You can try calling 1-855-387-7747 for RoadSafetyBC and dispute, appeal, or request a review for some suspensions. You cannot pay to remove a prohibition, suspension, or penalty points from your driving record. They stay on your record for five years.