Getting started with Basic Autoplan

All motorists in B.C. must carry basic automobile insurance. For residents, it is provided through ICBC's Basic Autoplan.

Who Basic is for

Basic Autoplan is for anyone in B.C. who owns a car.

What Basic covers

Generally, Basic Autoplan provides coverage to protect you as a person in five different ways:

Third Party Liability
Accident Benefits
Underinsured Motorist Protection
Protection Against Hit-and-Run and Uninsured Motorists
Inverse Liability Coverage

What Basic doesn't cover

Basic Autoplan does not cover you outside Canada and the United States. (So, if you're driving into Mexico, be sure to buy insurance BEFORE you cross the border!) Find out about other restrictions.

Basic Autoplan doesn't cover replacement of or repairs to your vehicle, or many other risks that are covered in optional insurance.

What Basic costs

Several things contribute to the cost of Basic Autoplan:

Rate Classes or how you use your vehicle
Where you live
Your claim record

When you buy optional insurance, the amount of the premium is also affected by:

The vehicle you drive
What type and how much additional coverage you choose

Additional information is available on the ICBC website.