Your local ICBC Autoplan broker
Renew your car insurance, explore optional coverage and get help from a broker who knows British Columbia. From Vancouver Island to the Lower Mainland, Western Coast helps you feel confident about what’s covered.
Start with our online form. A broker will call to complete your renewal.
Have a question or need insurance soon? 1-888-517-7171
Car insurance in BC, made clearer
Car insurance in British Columbia starts with ICBC Basic Autoplan. It includes protection for injuries, certain liability claims and vehicle damage when another driver is responsible for a crash in BC.
From there, you have choices. Western Coast helps you compare available optional coverage from ICBC and private insurers, understand deductibles and choose protection for the way you drive. A renewal is a good time to check that your policy still fits.
Renew with Western Coast
Choose the way that works for you. We’ll help with the details and review anything that has changed.
Send us your contact details and preferred location. A Western Coast broker will call to complete your renewal and answer your questions.
Start my renewalCoverage is not active or extended until a licensed broker confirms your policy.Need insurance soon, have a policy change or want help choosing coverage? Call our team during business hours for your next step.
Call 1-888-517-7171Location hours vary. Check your local broker before visiting.Bring your questions and documents to a local broker. We can help with renewals, vehicle purchases, registration and more complex changes.
Find my brokerServing communities across Vancouver Island and the Lower Mainland.Renew up to 44 days before expiry. Renew before your policy ends and confirm your new coverage before driving.
For the way you drive
A new car. A shorter commute. A teenager ready for the road. Start with your situation, and we’ll help you work through the insurance.
Set up vehicle registration and insurance, confirm your documents and understand what needs to happen before you drive.
Find a local brokerReview insurance, ownership and plate transfers. For a financed or leased vehicle, check the coverage your agreement requires.
Request help with your new carGet help listing drivers correctly and choosing protection for a first car or a shared family vehicle.
Request a driver reviewHybrid work, transit and a new address can change your insurance needs. Check your vehicle use and distance-based discounts.
Explore possible savingsParking your vehicle for part of the year? Ask about storage coverage and the insurance you need before returning to the road.
Explore motorcycle insuranceYour tow vehicle, trailer and boat may need different coverage. Let us help you understand how the policies fit together.
Explore boat & marine insuranceTell us if you deliver, carry passengers for hire or use your vehicle for work. We’ll help check the right vehicle use and coverage.
Explore commercial autoBefore an Island getaway or a trip outside BC, review your liability limit, vehicle protection and temporary transportation options.
Request a coverage reviewUnderstand your protection
Basic provides the foundation. Optional coverage can protect against additional losses and give you more choice over limits and deductibles.
Basic can cover damage to your car. Basic Vehicle Damage applies to the extent another driver is responsible for a crash in BC. Collision and Comprehensive cover different risks.
On small screens, scroll sideways to compare all three columns.
| What you want to protect | ICBC Basic Autoplan | Optional coverage to discuss |
|---|---|---|
| Injuries after a crash | Enhanced Accident Benefits, regardless of fault | Ask about additional income protection |
| Damage caused by another driver in BC | Basic Vehicle Damage, up to $200,000, based on the other driver’s responsibility | Review higher-value vehicles and other circumstances |
| Damage when you cause a crash | Not covered by Basic Vehicle Damage | Collision |
| Theft, vandalism and many weather losses | Not included | Comprehensive |
| Hit-and-run damage to your vehicle | Not included | Collision or optional Hit and Run coverage |
| Third-party liability | $200,000 included for applicable liability claims | Extended Third-Party Liability increases your limit |
| Temporary transportation after a covered loss | Limited benefits may apply under Basic Vehicle Damage | Loss of Use adds protection, subject to policy terms |
| Protection against depreciation | Not included | New vehicle protection for eligible vehicles |
Coverage is summarized. Eligibility, limits, exclusions and deductibles depend on the policy and circumstances. Your Western Coast broker can explain the details.
Not sure which options you need? Start with our ICBC form. Your broker can review your coverage when they call.
Request an ICBC coverage reviewCosts & potential savings
Your premium depends on your drivers, location, vehicle use and coverage choices. A quote based on your details is more useful than a province-wide average.
Western Coast can review available optional insurance choices alongside your Basic Autoplan. We’ll help you weigh price, protection and the amount you would pay out of pocket after a claim.
Start your ICBC request onlineDistance-based discounts require eligible annual policies and odometer readings about 12 months apart. Some vehicle classes are excluded.
Why Western Coast
Understand the trade-offs between limits, deductibles and optional coverage, with time to ask the questions that matter to you.
Talk with a team that serves your community, whether you’re on the Island, in the Lower Mainland or planning your next road trip.
Come back when your car, drivers or routine changes. We can help you keep your insurance details up to date.
“Five stars! I recently worked with Ramandeep to get a new ICBC auto insurance policy, and I was blown away by her expertise.”
Gurwinder · Sunshine Hills
Surrey, BC
“I did an ICBC car renewal over the phone with Kelly. It was easy and fast…”
Gord · Steveston
Richmond, BC
“Renewed my car insurance and Tracy was friendly and efficient. … I’d definitely recommend this branch. A very pleasant experience.”
Heather · Westshore
Victoria, BC
“I had to renew my car insurance today. … He was incredibly helpful, and answered all my questions.”
Kim · Coquitlam
Coquitlam, BC
Selected customer review excerpts from Western Coast branches. Individual experiences vary.
Local advice, close to home
Meet your Western Coast team on Vancouver Island or in the Lower Mainland.
View all broker hours & contact detailsLooking for another location? Open the full broker locator or call 1-888-517-7171.
Good questions. Clear answers.
Get the basics here, then start your ICBC request. A Western Coast broker will follow up to help with your policy.
Complete the ICBC formWestern Coast can help you arrange ICBC Basic Autoplan, the mandatory coverage for most vehicles driven on BC roads. Optional insurance can add protection for your vehicle and increase your liability limit. Your broker can explain what your vehicle and situation require.
Yes. Start with Western Coast’s online renewal request form and a broker will call you to complete your renewal. Submitting the form does not activate or extend coverage. ICBC also offers a separate self-service online renewal for eligible policies; your Western Coast broker can help explain your options.
You can renew an ICBC policy up to 44 days before it expires. Do not assume it renews automatically, even if you pay monthly. Ask Western Coast to complete your renewal before the expiry shown on your policy, and confirm that your new insurance is in effect before driving.
Basic Vehicle Damage coverage can pay for damage to your vehicle, up to $200,000, to the extent another driver is responsible for a crash in BC. It does not replace Collision coverage for damage you cause or Comprehensive coverage for risks such as theft and vandalism. Western Coast can explain how these coverages work together.
Western Coast can compare available optional auto insurance from ICBC and private insurers, including differences in deductibles, limits and eligibility. Basic Autoplan is provided by ICBC; changing brokers alone does not change the Basic premium for the same policy details. We help you compare the parts of your coverage where you have a choice.
Contact Western Coast before driving so a broker can help arrange valid insurance. Do not rely on a grace period or on an online request as proof of coverage. If your expiry is close, call a broker during business hours rather than waiting for a callback.
Western Coast can check your eligibility for ICBC’s distance-based discounts. Driving under 5,000 km a year may qualify for 10% off Basic insurance; driving under 15,000 km may qualify for 10–15% off select ICBC Optional coverages. Eligible annual policies require odometer readings about 12 months apart. Some vehicle classes are excluded.
Ask Western Coast to review everyone who uses your vehicle, including household members, employees, learner drivers and other regular drivers. ICBC’s listing rules depend on the driver’s relationship to you and how often they drive. Tell your broker when drivers change so your policy reflects who is actually behind the wheel.
Contact a Western Coast location early to plan your vehicle registration and insurance. Bring your existing registration, identification and driving-experience documents, and ask whether your vehicle needs an inspection. Vehicle registration and driver’s licence deadlines are different; a broker can explain the insurance steps and direct you to the right licensing service.
Do not assume Basic Autoplan covers hit-and-run damage to your vehicle. ICBC Collision includes this protection, and separate optional Hit and Run coverage may be available. Western Coast can check your policy, explain deductibles and help you choose protection before a loss occurs.
Yes. You can choose Western Coast to help with your next ICBC renewal, even if you used another broker before. Have your current policy or renewal notice ready. We can review your vehicle use, listed drivers and optional coverage as part of the renewal.
Yes. Western Coast can help you review these policies together so you understand which policy protects each vehicle, trailer, property or watercraft. Any multi-policy savings depend on the insurer and products; a discount on ICBC Basic Autoplan should not be assumed.
Keep exploring
Your next step
Start your ICBC renewal, ask about optional coverage or connect with your local Western Coast team.
Your broker will confirm when coverage is in effect.
Insurance products are subject to insurer eligibility, policy terms, conditions and exclusions. This page provides general information; your policy wording determines coverage.
Western Coast Insurance Services is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.
