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Protection if you’re responsible for a crash

Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage.


Medical costs, wage loss and more​

Autoplan Accident Benefits help you, your passengers and members of your household with medical costs, wage loss and more if you’re injured in a motor vehicle crash, even if you’re at fault.

To help you on the road to recovery, Accident Benefits provide up to $300,000 in medical and rehabilitation costs for crashes that occurred on or after January 1, 2018. 

This could include costs like hospital care, chiropractic treatments, dental care, medication, physiotherapy, and more.


If the other driver doesn’t have enough insurance  ​

Even if the person who’s responsible for a crash doesn’t have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you.


Hit-and-run damage and injuries​

Hit-and-run coverage protects you and your vehicle. It's available to every B.C. resident, even if you don't own or insure a vehicle. If you're eligible, up to $200,000 is available to anyone whose property is damaged, or who is injured or killed in a crash on a roadway in B.C.


Protection where local laws can affect your claim

Inverse liability protection covers you in parts of Canada or the U.S. where local laws don't let you claim against the person who caused your crash. 

Your vehicle repair costs are covered up to 100 per cent (less if you were partly at fault for the crash). For example, if you were 25 per cent at fault, you'll receive 75 per cent of the cost of repairing your car.


Talk to US

for more details on what Basic Autoplan covers, talk to us or refer to your Autoplan insurance brochure. 

Basic autoplan 

ICBC Basic Autoplan insurance is the mandatory coverage you need for a vehicle in B.C.  It helps ensure that you and all British Columbians who own and drive a motor vehicle here are protected with a basic level of coverage.

Optional Coverage

We have great optional products so you can choose the best level of protection for yourself, your family and your vehicle. 

Read More >

We are licensed professionals who can help you choose the right insurance protection for you, your family and your vehicle.


Auto insurance isn't always easy to understand. We are here to help you compare and customize Autoplan coverage to fit your individual needs—the products you choose, the length of your policy, your payment options and more.

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roadside plus

We have great optional products so you can choose the best level of protection for yourself, your family and your vehicle. 

Read More >
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