How to Renew Your ICBC Auto Insurance in 2026

January 16, 2026

In British Columbia, every driver is required to carry Basic Autoplan insurance through ICBC. Renewing your policy on time is essential to keep your vehicle legally insured and yourself protected on the road. Whether you choose to renew online, by phone, or with a Western Coast Insurance advisor, taking a few moments to review your options can help you save and ensure your coverage fits your needs. From Vancouver and Victoria to Nanaimo, Kelowna, and Kamloops, our local teams are here to make the renewal process simple and stress-free.

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What’s New for ICBC in 2026

ICBC has introduced several updates and continued benefits that affect how you renew your coverage this year. Here’s what to know for 2026:

• Rebates for policyholders: Many B.C. drivers received rebates in 2026 to help offset the cost of their insurance.
• Distance-based savings: Low-mileage drivers continue to benefit from ICBC’s distance-based discount program. Be ready to provide your odometer reading when you renew.
• More online eligibility: ICBC has expanded online renewal access for single-owner vehicles and straightforward renewals.
• No more decals: Licence plate stickers are no longer required — simply keep your printed insurance documents in your vehicle as proof of coverage.

When and How to Renew

You can renew your ICBC insurance up to 44 days before your policy’s expiry date. Early renewal doesn’t affect your term — your next policy begins as soon as your previous one ends. ICBC may notify you by mail or email, but planning ahead helps avoid any lapse in coverage.

What to Prepare Before Renewal

• Your B.C. driver’s licence and date of birth
• Your licence plate number or VIN
• Your odometer reading (and, if possible, your previous one for comparison)
• Your chosen payment method (credit card, debit, or pre-authorized payment)
• Any policy updates, such as adding drivers, adjusting deductibles, or changing vehicle use

Renewing Online: Simple and Fast

ICBC’s online renewal platform is designed for convenience. For many standard, single-owner policies, it’s a fast way to renew without visiting a branch. Most drivers can complete their renewal in less than 10 minutes.

Who Can Renew Online

• Single-owner private passenger vehicles
• Cars and light trucks used for personal driving only
• Policies without ownership or vehicle-type changes

How the Online Process Works

1. Sign in using your BC Services Card login.
2. Review your existing ICBC coverage and make any minor updates.
3. Provide your odometer reading to confirm distance-based discount eligibility.
4. Select your payment option — full payment or an ICBC payment plan.
5. Print and store your insurance documents in your vehicle.

Even when you renew online, a licensed Western Coast Insurance broker reviews your policy and follows up if anything needs clarification.

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Renewing with a Broker: Local Help You Can Trust

When you renew through a Western Coast Insurance broker, you’ll receive personalized advice from experts who understand ICBC requirements in British Columbia. Our branches across the Lower Mainland, Vancouver Island, and Interior B.C. are ready to help you make informed choices and apply every discount available.

Why Choose a Broker

• Joint ownership renewals: Jointly owned vehicles must be renewed through a broker.
• Tailored advice: Advisors explain optional coverages like Extended Third Party Liability, Collision, and Comprehensive insurance.
• Changed driving habits: If your vehicle use has changed, your broker ensures your ICBC policy reflects it accurately.
• Maximize savings: Brokers review discounts, coverage bundles, and deductible options to fit your budget.

Visit your nearest Western Coast Insurance branch, call your local advisor, or complete our quick online form to begin your ICBC renewal today.

Understanding Your Coverage

Basic Autoplan Coverage

Basic Autoplan is mandatory for all B.C. drivers and includes:

• Third-Party Liability: Covers injury or property damage to others (minimum $200,000).
• Accident Benefits: Medical care, recovery, and income replacement after an accident.
• Underinsured Motorist Protection: Protection if another driver lacks sufficient insurance.
• Uninsured or Hit-and-Run Coverage: Coverage for unidentified or uninsured drivers.

Optional ICBC Coverage

Enhance your protection with optional coverages that reduce financial risk after an accident:

• Extended Third-Party Liability: Increase protection up to $5 million or more.
• Collision: Covers damage to your vehicle after a collision, even if you’re at fault.
• Comprehensive: Protection from theft, vandalism, fire, or weather-related damage.
• Specified Perils: Lower-cost coverage for named risks like fire or theft.
• Loss of Use: Rental vehicle coverage while your car is repaired.

Payment Options for Your Renewal

• Full Payment: Pay your premium in one transaction.
• ICBC Payment Plan: Monthly or quarterly instalments with flexible withdrawal dates.

Discounts and Ways to Save

• Distance-Based Discount: Up to 10% off Basic Autoplan for drivers under 5,000 km annually.
• Experienced Driver Discount: Clean driving records reduce premiums over time.
• Vehicle Safety Discount: Newer safety features may lower your rate.
• Senior and Accessibility Discounts: Available for qualifying drivers.

Your Western Coast Insurance advisor ensures every eligible discount is applied correctly.

Renew your ICBC with Western Coast