Up to $200,000 of Basic Vehicle Damage coverage is included in your Basic insurance and covers repairs when the other driver is responsible – instead of recovering the cost of your vehicle repairs from the insurance policy of the driver responsible, your own insurance will cover you.

If your vehicle is worth over $200,000, talk to your InsureCert about coverage options.

If you are responsible for a crash, your optional Collision coverage will pay for the repairs to your vehicle. If you don't have Collision coverage, you are responsible for the repairs.

ICBC Basic Autoplan insurance is the mandatory coverage you need for a vehicle in B.C.  It helps ensure that all British Columbians who own and drive a motor vehicle here are protected with a basic level of coverage.

• Unlisted Driver Protection
• Collision
• Hit and Run
• Income Top-U​p
• Comprehensive
• Extended Third Party Liability
• Extension Underinsured Motorist Protection
• Loss of Use
• Luxury vehicles
• Specified Perils
• Rental Vehicle Coverage
• New Vehicle Protection
• Optional insurance packages
• Specialized coverage

Here are some things you can do to help ensure your coverage stays valid:

• Your vehicle must be rated correctly. It’s important that you tell your broker how you use your vehicle (your rate class), and who will be driving it most of the time.
• If you have a claim, provide correct information.
• Never drive if your driver’s licence is expired or suspended, and make sure that anyone who drives your vehicle has a valid driver's licence.
• Don’t drive when you’re impaired by alcohol or drugs.

Remember, your Basic Autoplan insurance only covers you in Canada and the U.S.