Auto/ICBC insurance
All British Columbia residents who own a motor vehicle must have basic ICBC Auto Insurance Plan insurance, which must be purchased from an Autoplan broker representing the Insurance Corporation of British Columbia (ICBC). This is the minimum amount of car insurance any motor vehicle must carry to operate legally in British Columbia.
Other insurance options are also available to motor vehicle owners for increased third party liability, collision, and comprehensive coverage. Our ICBC insurance brokers will help you select the right coverage for your needs.
At Habitat Insurance Agencies, we thoroughly review your car insurance coverage and inform you of discounts that are relevant to you.
Typical ICBC Insurance Discounts
- Experienced drivers' discounts
- Anti-theft device discounts
- Seniors' discounts
- Disability discounts
- Fleet discounts
No time to come to our offices at renewal time? We’ll be happy to review your policy over the phone and deliver your insurance documents to you anywhere in the Greater Vancouver / Lower Mainland area at no charge to you. Contact us today.
Because we know many of our clients have busy lives, we provide courtesy reminders by phone one week prior to your car’s insurance renewal date. It’s just another great way that Habitat Insurance Agencies helps clients maintain their car insurance hassle-free.
Auto Insurance FAQs
Replace, renew or change your name/address of your B.C. driver’s licence:
Remember to keep your driver’s licence up-to-date. Do not run the risk of driving illegally and invalidating your car insurance. Contact ICBC Auto Insurance to update your B.C. driver licence.
Moving to B.C. from another province:
If you have moved to B.C., you need to transfer to a B.C. driver’s licence within 90 days.
Note: These steps also apply if you're moving from the U.S., Austria, Germany, Switzerland, Japan or South Korea.
Moving to B.C. from another country:
To drive in British Columbia, new residents must obtain a B.C. driver’s licence within 90 days. During this time, you may continue driving with your existing driver’s licence. You may contact ICBC Auto Insurance for more information.
Registering a car or other motor vehicle in British Columbia:
Before you can get licence plates and insurance for a motor vehicle in British Columbia, it must be registered with ICBC. Find out how to get your car or other motor vehicle registered, licenced and insured.
AirCare
Your car may have to pass an AirCare emissions test before its first insurance renewal if you live in the Lower Mainland or Fraser Valley areas. AirCare requirements vary, depending on a vehicle’s age. Contact AirCare Centres for hours of operation and AirCare centres current wait times.
Auto Insurance Claims
Have you been involved in a car accident? Has your car been vandalized or have you experienced a theft?
Report your claim to ICBC (24/7 – open every day):
Lower Mainland, B.C.
Tel 604-520-8222
Elsewhere in B.C., Canada & the U.S.
1-800-910-4222
Now available: Report your ICBC claim online
- Have the following information ready when you make a claim:
- vehicle licence plate numbers of all vehicles involved in the crash
- driver's licence numbers of all drivers involved in the crash
- where the crash happened
- when the crash happened, and
- police file number (for serious crashes, thefts, & vandalism)