The three primary coverages on an ICBC vehicle policy are Collision, Comprehensive, and Liability coverage. The cost of these coverages depends on the deductible chosen, the vehicle insured, the vehicle’s use, and the principal operator’s past driving experience. Collision coverage is to pay for damage to your vehicle if it is involved in a crash. Comprehensive coverage covers a broad range of perils, but most importantly fire, theft, glass, vandalism, windstorm/hail, and impact with an animal. Liability coverage is to protect you if you cause an accident resulting in bodily injury or property damage being suffered by a third party. There are many other optional and special coverages with ICBC which we will address in more detail below.
Roadstar and Roadside Plus
Roadstar provides an affordable package of important coverage to “Roadstars” (safe drivers who have met the minimum Roadstar level discount with ICBC). It includes property and liability coverage for Rental Vehicles, Loss of Use coverage so you can get a rental vehicle as replacement transportation if you have a claim, Travel Expense protection including towing and lodging, and Lock Re-Keying to replace stolen keys or remotes. For an additional premium the Roadside Plus package also provides a Waiver of your Deductible for a theft loss, Destination Assistance public transport expenses, and Emergency Roadside Expense Repayment.
Individuals or companies with larger numbers of vehicles can obtain significant discounts and greater convenience by putting all of their vehicles on a single fleetplan policy. This coverage creates a common expiry date for all of your vehicles and trailers resulting in much easier tracking of your coverage. In addition to that, in most cases a substantial cost savings can be obtained with fleet discounts of up to 63% off of base rate, which is much higher than the maximum discount that an individual safe driver can earn. Contact one of our commercial auto professionals to see if you may qualify for an ICBC fleetplan.
ICBC Garage Policies
A garage policy is an important coverage for businesses that take customer’s vehicles into their care, custody or control, such as repair garages, autobody shops, car dealerships among others. This policy provides coverage for customers vehicles while in your care but can also provide coverage for owned business vehicles and car dealership stock as well.
Our Auto Insurance staff are experts in all other areas of vehicle coverage as well, including Excess Underinsured Motorist Protection, Vehicle Registrations and Transfers, Temporary Operating Permits, Estate Transfers, Vehicle Replacement Cost Coverage, and both ICBC and private insurance options for Motorhomes, Travel Trailers, ATVs, and Snowmobiles.