Established in 1974, The Insurance Corporation of British Columbia (ICBC), provides the basic, compulsory automobile insurance for all vehicles licenced in BC. This system protects BC residents by ensuring all vehicle owners carry at least the minimum insurance coverage.
Basic Auto Insurance (Autoplan) provides coverage to pay for injury-related medical and rehabilitation expenses in the event of an automobile accident, no matter who is at-fault. The basic Autoplan includes $200,000 Third-Party Liability coverage to cover you for injury or damage you cause to others.
Also included are Accident Benefits, UnderInsured Motorist Protection, Hit & Run and UnInsured Motorist coverage and Inverse Liability coverage.
Also available are these optional coverages:
♦ Higher Third-Party Liability limits up to $5 million (most drivers purchase a $2 million limit or more)
♦ Collision coverage to pay for damage to your car due to a collision or upset
♦ Comprehensive coverage for claims such as Fire, Theft, Vandalism & Glass
♦ Loss of Use coverage for temporary substitute vehicles if your car suffers a claim and cannot be driven
♦ Replacement Cost insurance for cars 3 years old or newer
♦ Roadstar Package: provides Loss of Use (Rental Car) benefit up to $500; insurance for rental cars; lock re-keying if your keys are stolen
♦ RoadsidePlus: Roadside assistance plan plus the benefits of the Roadstar package and more
♦ Excess Under Insured Motorist Protection: doubles your protection from underinsured drivers to $2 million whether you’re a driver, passenger or pedestrian.
♦ Discounts available – In addition to the “Safe-Driving Discount”, you may also qualify for these:
♦ Senior Citizen discount for drivers over age 65 and driving for pleasure only.
♦ 10-Year Driving Experience discount (all drivers of the car in your household must have held a licence for ten years)
♦ Passive-immobilizer discount
AirCare
The AirCare program was implemented in the 1990’s to improve the quality of the air in the Greater Vancouver area.
The following vehicle model years WILL NOT REQUIRE AN AIRCARE TEST in 2010: vehicle model years 2004 and newer.
The test is $45 ($23 for cars 1991 and older). Check your ICBC Notice to Renew letter or call us for more information.
RoadsidePlus
This package includes all the features of the “Roadstar” plan (Loss of use/temporary car up to $750 limit, Rental Car insurance, Lock Re-Keying) plus “Theft Deductible Waiver”, “Roadside Expense Repayment” (to pay for towing and other expenses if your car breaks down), and other benefits.
Available for $29 if you already carry the Roadstar package.
We can also provide quotes for Garage Policies, Fleets (five or more vehicles, 63% maximum discount), Storage insurance or Temporary Operating Permits ($38 for one day, full coverage. 15 day maximum term)
Ten-Year Experience Discount
If all drivers of your car in your household have held a valid driver’s licence for ten years or more with no suspensions, you may qualify for an additional discount. The purpose of this discount is to reward drivers who only allow experienced drivers access to their car. Drivers with less than 10 years experience living in your household may only drive your car in the event of a medical emergency.
Temporary Operating Permit (TOP)
To allow you to drive your vehicle for short terms without a licence plate or AirCare test.
One Day: $26 basic $1 million Liability only, $33 for $1 million with Collision and Comprehensive or $38 for $5 million Liability, Collision and Comprehensive.
Longer periods from Two days up to a maximum 15 days.
To apply for a TOP, please bring your current insurance documents. You may also allow someone else to purchase the TOP if you have given them written permission to obtain the TOP on your behalf.
Importing a Vehicle from Out-of-country
Please visit Transport Canada’s website for details of how to import vehicles: www.tc.gc.ca
In order to register and insure the vehicle, you will require the following documentation:
Original Registration/Certificate of Title/Pink Slip (in Japan this is called De-Registration Certificate)
Canada Custom’s “Form 1″ document
Canada Custom’s “B15″ or “B3″ form showing duty and GST paid
Passed Provincial Safety Inspection Report (blue copy)
If there’s a change of ownership:
Original signed Bill of Sale with Seller’s name, address and signature, full vehicle description, purchase price and buyer’s name.
There will be a $50 document processing fee charged on each new registration.
DELIVERY
We offer free delivery of car insurance renewals in parts of Vancouver and Richmond. Please contact us for more information.
Please call or email us your enquiries and visit our office for processing of your renewal policy. For a quote or review of your policy, we usually only require your licence plate #, Registration #, Expiry Date, Owner’s Name and DCID # (on the top right hand corner of your documents).
