Car Insurance
Reliable protection, flexible options to save.
Working with a wide range of insurance providers, our auto advisors will help you get the lowest rates on the right coverage for the road ahead.
Renew your ICBC autoplan today.
Request Renewal
Simply complete our form and speak to an Acera advisor.
Renew Online
If eligible, you can renew your insurance online with ICBC.
Your guide to car insurance in BC.
Your car is important and having the right protection is a must. Our advisors are here to simplify the process and give you peace of mind. We’ll walk you through your choices and help you decide on the coverage that suits you best.
Here in BC, ICBC’s Basic Autoplan is mandatory as a base level of coverage. This includes:
- Enhanced Accident Benefits
- Basic Vehicle Damage (up to $200,000)
- Third Party Liability (up to $200,000)
- Uninsured Motorist Protection (up to $1 Million)
- Inverse Liability Protection
Learn more at icbc.com
Get yourself covered.
Get your car insurance online, by phone or in person at your nearest branch.
You’ve got options
There are a range of optional coverages available to enhance your protection.
Third Party Liability
This protects you from the financial risk of an at-fault accident. It covers expenses such as repair costs, legal fees, and medical costs. While having this coverage is required, you can choose an amount beyond the minimum ($200,000 in most provinces).
Collision
Just like it sounds, this coverage protects your vehicle from collisions. For example, an at fault collision with another vehicle or an object.
Comprehensive
This is coverage for damage caused by something other than a collision. It includes coverage for damage caused by vandalism, fires, falling objects, or extreme weather.
Why choose Acera Insurance for car coverage?
Auto expertise and dependable service when you need it most, that’s us.
Auto Insurance Experts
Based on your unique needs, our expert Advisors recommend the right coverage options for you.
Multiple Way to Save
We offer car insurance from a wide range of insurers, so we can always find the best rates on the perfect coverage.
Emergency Claims Reporting
Our claims reporting line is available 24/7 if you need to report a claim. Our in-house claims adjusters are available to act on your behalf.
Helpful tips from our advisors.
Car insurance can be complex but it doesn’t have to be. Take it from our advisors, they’ll tell you everything you need to consider to get on the road with confidence.
Answering your most common questions.
What is eligible for online renewals with ICBC?
Online renewal is available to private passenger vehicles owned by one person who does not need to make any coverage changes at the time of renewal. That means leased vehicles and jointly owned vehicles are not eligible for online renewals. Learn more about eligibility or renew online at renew.icbc.com.
You can always renew any policy with an Acera advisor by completing the renewal request form, or visiting your local office.
Do I need to visit an office to renew my ICBC Autoplan?
Probably not. Most policies can be renewed online or by phone. You will need to visit us in person for the following transactions:
- Transferring vehicle ownership
- Canceling a policy
- Replacing a license plate
- Making changes to a policy for a vehicle with more than one owner
Start your phone renewal by completing the renewal request form, or visit one of our offices.
How do I get ICBC’s distance-based discount?
If you drive less than 10,000 kilometers in a year, you may be eligible for a 10-15% discount. At the time of your renewal or new policy purchase you will need to provide your vehicle’s odometer reading. You can submit your odometer reading directly to ICBC or to your advisor at Acera Insurance. The discount is calculated using two odometer readings. If you’re submitting your first odometer reading, you’ll need to submit a second one in a year to be eligible for the discount.
What is a deductible?
A deductible is the amount that you’re responsible for paying in the event of a claim. Deductible amounts can vary and they affect the cost of your insurance. Your advisor can help you choose the right deductible for your policy.
Can I use my personal vehicle for business?
Commercial auto coverage is necessary for personally owned vehicles that are used for business purposes – such as ridesharing or food delivery.
If you’re using your vehicle for business purposes, talk to your advisor to make sure you’re properly covered or contact one of our branches for more information.
How are car insurance rates determined?
When calculating your insurance premium, some of the factors that auto insurers may consider include:
- Vehicle make, model, year and safety features
- Your age and gender and marital status
- How long you have had your licence, your driving history including convictions and driver training.
- Your insurance history, which includes claims and how long you’ve had continuous insurance
- Where you live
- Other drivers in your household who are listed on your auto insurance policy
- How frequently you drive/how many kilometres per year
- If your car is also used for commercial purposes
- Market conditions and provincial regulation
Can I bundle my auto and home insurance together to save money?
Yes, also called a multi-line discount, some insurance companies offer discounts when you buy multiple types of insurance policies from the same provider. Ask your advisor about available multi-line discounts.
Personal insurance insights for your everyday.
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