Autoplan insurance :
ICBC Autoplan insurance is better than just coverage for your vehicle. Autoplan insurance quote provides protection and peace of mind for you and your family. A basic Autoplan insurance bears the security cost including medical and rehabilitation and up to $200,000 for damages claimed by other drivers.
ICBC(Insurance Corporation of British Columbia) basic Autoplan insurance is the mandatory coverage which is required for your vehicle in B.C. It helps to ensure a protection with a basic level of coverage for all British Columbians who own and drive a motor vehicle.
According to ICBC, every year the number of car crashes is increasing in BC.
|Year||number of car crashes|
According to ICBC report, last five years injury and vehicle damage claims also increasing gradually.
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|Year||no of injury claims||no of vehicle damage claims|
Autoplan insurance quote:
Mainly there are two types of Autoplan insurance quote. Such as:
- Basic coverage of Autoplan insurance quote
- Optional coverage of Autoplan insurance quote
Basic coverage of Autoplan insurance quote:
You can choose Autoplan insurance quote with basic coverage.
- Third Party Liability coverage
- Coverage of Medical expenses, wage loss and more
- Hit and run damage and injuries coverage
- Inverse liability protection
Third Party Liability coverage:
When you are at fault in a crash, and another motorist claims you, in this situation Third Party Liability coverage protects you. The Basic Autoplan insurance quote contains coverage up to $200,000 of their injury costs and vehicle damage.
Coverage of Medical expenses, wage loss and more:
Your passengers and members of your house will get medical costs, wage loss and more if you’re wounded in a motor vehicle crash, even if you’re at fault as an Autoplan insurance Accident Benefits. Autoplan insurance quote as Accident Benefits will provide up to $150,000 in medical and rehabilitation costs including dental care, hospital care, medical equipment, chiropractic treatments, medication, physiotherapy and more.
Hit and run damage and injuries coverage:
Hit and run coverage will protect you and your vehicle. Every B.C. resident, even if you don’t own or insure a vehicle will get this facility. In this case, $200,000 is available to anyone who is injured or killed in a crash on a roadway in B.C or whose property is damaged.
Inverse liability protection:
Another basic Autoplan insurance quote is Inverse liability protection which covers the citizens of Canada and the U.S. Here local laws don’t let you claim against the person who caused your crash. In this case, vehicle repair costs are covered up to 100 per cent. For example, if you were 25 per cent at fault, you’ll receive 75 per cent of the cost of repairing your car.
Your Basic Autoplan insurance coverage may be affected by following things. You have to do some things to ensure your coverage stays valid.
- You have to rate your vehicle correctly. It is essential that you should tell your broker how you use your vehicle (which is your rate class) and who will drive your car the majority of the time.
- Provide correct information, when you claim to the insurer.
- If your driving licence is expired or suspended, you should abstain from driving. Or if anyone drives your vehicle, you have to make sure that he has a valid driving license.
- You must not drive when you are addicted to alcohol or drugs.
- This Basic Autoplan insurance only covers you in Canada and the U.S.
Optional coverage of Autoplan insurance quote:
You can also choose Autoplan insurance quote with extra coverage for you, your family and your car from Optional Autoplan insurance products, which include
- Extended Third Party Liability
- Extension Underinsured Motorist Protection
- Loss of Use
- Specified Perils
- Rental Vehicle Coverage
- New Vehicle Protection
- Optional insurance packages
- Specialized coverage
- ICBC Autoplan Optional Policy
Extended Third Party Liability:
If any crash happens for your fault, it could cost more than you think. Third Party Liability insurance saves you from the financial risk of an at-fault crash. If you are liable for a road accident, you would be guilty of damages, lost income, care expenses and more, even both the other driver and their passengers. In this case, the costs of a crash could be much higher, and you would be responsible for the difference. Your Autoplan insurance quote includes up to $200,000 in Third Party Liability coverage. So It is simply that the lower your coverage, the higher your risk.
Extending your Third Party Liability save you from pay costs that go above your Basic Autoplan insurance limit. Extended Third Party Liability protects you from the refining of injury and damage costs up to the limit of your coverage. In this coverage, the equity in your home or other assets won’t be at risk. It is a relatively small percentage of your overall premium, so you get peace of mind. If you want to increase your coverage, you have to talk to your Autoplan broker. You can expand your coverage to a limit of $5 million.
Extension Underinsured Motorist Protection:
In Extension Underinsured Motorist Protection (UMP) a serious crash could leave you with medical costs for the rest of your life. In this Autoplan insurance product, an increasing protection provided under your Basic Autoplan insurance, if the other driver doesn’t have enough insurance.
Loss of Use:
You can stay mobile if you can’t use your vehicle after a claim under the Loss of Use coverage. Without your vehicle, you need to seek another way to get to work or school and keep on track with your busy life. In this case, Loss of Use coverage will cover the extra costs.
Loss of Use coverage is applicable from the time of your claim until you’re offered a total loss settlement and your vehicle is repaired
In this coverage, Autoplan insurance cover repair, and replacement costs, in spite of your fault. You may be a skilled driver, but you can make mistakes. Your vehicle can be expensive. Collision coverage will take the liability for your vehicle repairs, towing, storage and more, even if the crash was your fault.
In this Autoplan insurance quote covers loss or damage for following incidents
- Fire, earthquake, explosion
- Theft and vandalism
- Hitting a domestic or wild animal
- If flying or falling objects such as a rock or gravel hitting your windshield
- Weather—lightning, windstorm, hail, rising water
Specified Perils coverage:
Specified Perils Autoplan insurance quote protects from loss or damage of the following incident
- Weather—lightning, windstorm, hail and rising water
- Earthquake, fire, explosion
- But Specified Perils doesn’t cover things like vandalism, windshield damage or hitting an animal.
Rental Vehicle Coverage:
This optional autoplan insurance coverage provides great protection for you and your rented vehicle at a very affordable rate. Many rental vehicle companies offer insurance to their customers but it is more expensive and does not cover like this auto plan insurance coverage.
New Vehicle Protection:
It is fact that after a home, your second-largest purchase is your new car. Autoplan insurance provides three products for you. You can choose any product for protecting your investment.
New Vehicle Replacement Plus and Replacement Cost coverage:
You may be acceptable to purchase either New Vehicle Replacement Plus (NVR+) or Replacement Cost coverage, in case you get a 20 per cent or better claim-rated scale discount.
The features of this coverage:
- If your vehicle is eligible for repairing after a crash, new parts from the original manufacturer (if available) will be provided
- If your vehicle is out of order, protection from depreciation and inflation will be provided
- You have a choice to replace your vehicle or get a cash payout
If the costs of repair are more than 50 percent of its market value, a vehicle will be replaced with this Autoplan insurance quote.
Another optional Autoplan insurance coverage is Roadside Plus.
Roadside Plus includes:
- Loss of Use
- Rental Vehicle Coverage
- Vehicle Travel Protection
- Lock Re-Keying
- Emergency Roadside Expense Repayment
- Family World Wide Transportation
- Destination Assistance
- Theft Deductible Waiver
Most ICBC customers can get this optional Autoplan insurance policy with a reasonable price as long as their policy has a claim-rated scale discount of base rate or better. They can also purchase Autoplan insurance Collision coverage with a deductible of $1,000 or less. Owners of vehicles that are part of a fleet with a discount of base rate or lower may also be eligible to purchase the Roadside Plus package.
Roadside Plus may be bought for company owned vehicles where an assigned corporate driver has been identified by the company.
Only private passenger and commercial vehicles with a GVW of 5,000 kg or less are eligible for Roadside Plus that is used for pleasure, driving to and from school or work, business, artisan, farm or fisher use, pleasure use by a person age 65 or more, or motor homes used for pleasure.
Like other Autoplan insurance coverages, Roadside Plus coverage is applicable only throughout Canada and the United States (including Alaska and Hawaii) but not Mexico or any other country. Don’t forget to keep your receipts. You will have to submit all original receipts to be repaid under any of Roadside Plus coverage.
But Non-B.C. residents are not eligible for the following Roadside Plus coverages:
- Vehicle Travel Protection coverage
- Rental Vehicle coverage
- Family World Wide Transportation.
RoadStar Package is a group of optional Autoplan insurance coverages which is available at a special low price for the customers who have reached a discount level of -9 or better on the claim-rated scale.
The Roadstar Package includes
- Rental Vehicle coverage
- Loss of Use coverage
- Vehicle Travel Protection
- Lock Re-Keying.
But Non-B.C. residents are not eligible for the following RoadStar Package coverages:
Rental Vehicle coverage
Vehicle Travel Protection
You can purchase Autoplan insurance for company-owned vehicles where the company has identified an assigned corporate driver. Vehicle owners that are part of a fleet with a discount of 40 percent or more may also be eligible for the RoadStar Package.
Private passenger and commercial vehicles with a GVW of 5,000 kg or less are used for pleasure, driving to and from school or work, business, artisan, farm or fisher use are eligible for this coverage.
Like other Autoplan insurance coverage, RoadStar Package coverage is applicable only for entire Canada and the United States (including Alaska and Hawaii). But Mexico or any other country is not included in this coverage. Remember that You will have to submit all original receipts to be repaid under our RoadStar Package coverage.
Buy or renew your Autoplan insurance:
Autoplan insurance is sold through our province-wide network of 900 Autoplan brokers. These brokers have professional license and they help the customers to choose the right insurance protection for you, your family and your vehicle. Autoplan insurance isn’t always easy to understand. So you can take help from broker to compare and customize Autoplan coverage to fit your individual needs, your payment options,the length of your policy and more.
Choosing the length of Autoplan insurance:
Autoplan insurance policies last from one day to one year, so you can meet your needs from lots of options.
One-year Autoplan insurance policy:
Most customers choose this option especially monthly payment plan to spread the cost over a year.
Short-term Autoplan insurance policy (3 to 11 months):
A short-term policy may be your best choice when your vehicle isn’t on the road for a full year. For this, you have to pay a small surcharge, but the total cost will be less than a full-year policy.
Temporary Operation Permit (1 to 15 days )
This is the best option if you need a few days of coverage. You may save money by buying a three-month policy. So talk to your broker about the best options for you.
Renewing of Autoplan insurance policy:
You should renew your insurance early, within 55 days before your Autoplan policy expires.
Always try to Keep your Autoplan insurance up to date:
You will have to confirm that all information on your Autoplan policy is correct and current. If you provide incorrect information, you will not get any coverage when you make a claim. Talk to your local broker for following incidents:
- Moving from one place to another (even within the same colony or community) or temporarily shifting.
- Changing the way of your vehicle use (for example, you start driving to work or school)
- When driving a different vehicle
- Any modification of your vehicle (for example, changing its color, chassis, fuel type)
- Besides this many other factors can also affect your insurance, so please ask your broker if you have any other changes.
Changing your Autoplan insurance:
If you change your insurance coverage, name, address, vehicle type, vehicle use (rate class), colour, model year, chassis, vehicle identification (serial) number, fuel type, or gross vehicle weight you must consult with your Autoplan insurance broker.
Cancelling your Autoplan insurance :
ICBC does not automatically cancel your Autoplan Insurance when your vehicle is:
- sold or traded in
- written off as a total loss
- returned after a lease
- moved to a different jurisdiction.
If you cancel your Autoplan insurance, you will have to contact with Autoplan broker’s office. For this you will need to take the current ICBC insurance document and the licence plates for your policy, along with primary and secondary identification.
ICBC autoplan broker:
You can take help from an Autoplan insurance broker for getting proper premium and insurance. You also get help from them for claiming and show you the way to find the cheapest insurance quote. They help you to receive compensation after an accident. So you can buy autoplan insurance through ICBC Autoplan broker. They also protect you from the complexity of the preparation of the paper when you apply to insurance.
ICBC Insurance quote:
ICBC applied to the B.C. Utilities Commission (BCUC) for increasing basic insurance rates. BCUC approved a request from ICBC for a 4.9% rise on basic insurance rates on January 12, 2017. So all drivers who want to insure in BC, will have to buy insurance in increased. This rate hike is that the results of associate degree increased range of claims, that have become additional expensive to settle.
The basic insurance rates may increase by an average of $3.50 per month, that means approximately an extra $42 will have to count a year. It may be varied by following factors
- Greater number of accidents
- Rise in injury claims
- Higher vehicle repair costs
More information on Autoplan Insurance:
ICBC insurance contact:
For other information about Autoplan insurance, you can communicate your local Autoplan broker or ICBC’s Customer Contact department.
To report a claim, call Dial-a-Claim: • 604-520-8222 (Lower Mainland)
- 1-800-910-4222 (elsewhere in B.C., Canada or U.S.)
For general inquiries, call ICBC Customer Services: • 604-661-2800 (Lower Mainland)
- 1-800-663-3051 (elsewhere in B.C., Canada or U.S.)
Need your claims history and/or driver records report:
- 604-661-2255 (Lower Mainland)
- 1-888-715-7775 (B.C. only)
Buying a used vehicle and/or need an ICBC Vehicle Claims History Report:
- 604-661-2233 (Lower Mainland)
- 1-800-464-5050 (elsewhere in B.C., Canada or U.S.)
To enquire about your B.C. driver’s license:
- 250-978-8300 (Greater Victoria)
- 1-800-950-1498 (elsewhere in B.C., Canada or U.S.)
To report a suspicious claim or activity:
TIPS line • 604-661-6844 (Lower Mainland)
- 1-800-661-6844 (Canada only)
Besides this, you can get information on Autoplan insurance quote quickly and easily anytime online at www.icbc.com.