Get the Best Optional Auto Insurance

Affordable private car insurance for your car, truck or motor home. Get in touch with one of our offices today.

Girl enjoying worry-free optional car insurance BC in her vehicle

Optional Auto Insurance

Optional Auto Insurance in BC is the portion of your car insurance that is over and above the Basic Insurance provided by ICBC. While all drivers in British Columbia must obtain their Basic Auto Insurance through ICBC, you have a choice when it comes to finding the best optional auto insurance coverage. Our offices can offer you a quote from a number of Private Auto carriers who cater to your needs and can save you money in the process.

Auto Insurance Renewal

Many drivers in British Columbia are now eligible to renew their car insurance online, provided they meet the ICBC Online renewal criteria. Those individuals with a renewal date of May 1st or later can start this online renewal process 45 days prior to their existing policy expiring.This process is entirely new in BC, as it marks the first time that ICBC policy holders can renew their car insurance online at their own convenience. However, rest assured that as your broker, we are still here to assist you every step of the way. We’ll be reviewing your renewals and answering your questions when you need us to. We’ll make sure your coverage matches your insurance needs.

How Do I Get Auto Insurance in BC?

We have 80 office locations throughout BC that offer ICBC insurance. With most open 6 or 7 days a week, that means there’s always a location nearby to assist you. We also have a number of offices that offer delivery services, so you don’t even have to leave your home to get your car insured.

Optional Auto Key Features

All of our InsureBC offices offer affordable private car insurance coverage for your car, truck or motorhome through either Family Insurance or Intact Insurance; both significant Canadian insurance companies.

There may be some definite benefits to selecting a Private Optional Auto insurance carrier.  While these benefits will not apply to everyone, they could include:

Woman holding coins for savings on private car insurance BC

Lower Premiums

One of the most important things to consider when shopping for insurance is cost, which is why lower premiums can be a game-changer for many drivers. We can help you save hundreds of dollars each year on your coverage.

Mechanic assisting car owner with enhanced roadside coverage

Enhanced Roadside Assistance Coverage

When you’re out on the road, unexpected events can happen. With this feature, you can have peace of mind knowing that you have access to reliable and timely assistance in case of a flat tire, battery jump-start, lockout, or even towing?

Girl with policy documents for better private car insurance deductibles

Better Deductible Options

By choosing an insurance provider that offers better deductible options, you can customize your policy to fit your specific needs and preferences.

Car repair, first accident forgiveness in optional car insurance BC

First Accident Forgiveness

Accidents can happen even to the best drivers. With this coverage, you can potentially avoid a premium increase after your first accident. This feature can be especially helpful for new drivers who are still building up their driving record

Broker assistance in claims process for private car insurance customers

Broker Assistance During the Claims Process

Dealing with the aftermath of an accident or other unexpected event can be stressful and overwhelming. However, with this feature, you can have a dedicated agent who can provide assistance and guide you through the process, answer your questions, and ensure that you get the coverage you need.

Customer Testimonials

At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.

What are Optional Auto Insurance Coverages available in BC?


Coverage that helps pay for vehicle repairs, towing, and storage as a result of costs associated with an at-fault accident such as hitting another vehicle, object or the surface of the road.


Pays for damage not related to a collision, such as theft, vandalism, fire, falling or flying objects hitting your windshield or even impact with a domestic or wild animal, lightning, windstorm, and hail.

Loss of Use

Coverage that helps you stay mobile after a claim. While your vehicle’s being fixed, this covers your expenses to rent a vehicle, use taxis and take public transit. It applies from the time of your claim until such a time as your vehicle is repaired, you’re offered a settlement or you reach your limit – whichever comes first.

Specified Perils

Similar to Comprehensive coverage, but at a lower price, specified perils protect you from loss or damage to your vehicle from theft, fire, earthquake or explosion as well as lightning, windstorm, hail, and rising water.

Extended Third-Party Liability

This coverage ensures you are protected against paying for bodily injury and damage costs up to the limit of your insurance policy, should you be found responsible for a crash.  This would also assist if you were held liable for damages, lost income, care expenses and more for both the other driver and their passengers.

Extension Underinsured Motorist Protection

If you’re in an accident where the driver at fault did not have enough insurance, this coverage will help pay for items such as medical costs, rehabilitation, and lost wages.

Rental Vehicle Coverage

Rental Vehicle coverage gives you and your rental car great protection at affordable rates. It typically includes third-party liability coverage, accident benefits, underinsured motorist protection, collision, comprehensive and loss of use coverage.

New Vehicle Protection

Three product options to help protect your new vehicle include new vehicle replacement Plus (NVR+), replacement cost coverage, or limited depreciation endorsement.

Specialized Coverage

Unique coverage for occasionally used and/or special vehicles, such as off-road vehicles, luxury vehicles, and vehicles in storage.

Additional Optional Insurance Packages

RoadStar and Roadside Plus packages combine a number of popular optional products at a great price. They give you valuable coverage at home and while you’re traveling.

Income Replacement Benefit

The ICBC Income Replacement Benefit offers 90% of net income up to $113,000 annually for British Columbians unable to work after a crash. It's available as long as needed, deducting other income sources.

Tips & Tricks

Car traffic in city in the evening.

Check your ability to afford a new vehicle

It’s important to check your financial situation in the event that your car is totaled. How much will you need to pay out of your pocket, and can you afford to do so?

Think about the likelihood of your vehicle being totaled

Typically, a vehicle is considered written-off when it would cost more to repair it than what the vehicle is worth. While you hope it will never happen to you, there may come a day that your vehicle is involved in a collision and is beyond repair. If it were to happen, you should understand the impact it will have on you and your potential insurance payout.

Determine the value of your vehicle after depreciation

Find out the value of your vehicle after depreciation so you have an idea of the difference between how much your primary insurer would pay out and what you would be responsible to pay out of your own pocket.

Understand the cost of New Car Replacement Insurance

The cost of new vehicle replacement insurance varies by insurance company. Our New Car Replacement insurance is priced competitively and gives you affordable coverage. While costs vary, most of our customers pay significantly less than what they would have paid with competing providers, such as ICBC.

Build your claims-free discount

Most insurance carriers provide discounts to those who have gone several years without experiencing an insurance claim.

Paying annually

Paying annually for your premium typically offers savings over monthly financing.

Build your claims-free discount

Most insurance carriers provide discounts to those who have gone several years without experiencing an insurance claim.

Pay annually

Paying annually for your premium typically offers savings over monthly financing.

Improve your home security

Make your property more secure with a monitored burglar alarm system. Many insurance carriers will offer you a home security discount as a result.

Frequently asked Questions

What is Income Replacement benefit offered by ICBC?

The Income Replacement Benefit offered by ICBC is a part of the Enhanced Accident Benefits, designed to assist British Columbians injured in a crash who are unable to work due to their injuries. This benefit replaces the previous system where lower benefits were provided, and the non-responsible party had the option to sue for additional lost wages. Now, with Enhanced Care, individuals receive 90% of their net income as wage loss replacement, up to a maximum of $113,000 in annual gross income, in regular, non-taxable payments. This benefit is available for as long as medically needed and is accessible to those injured in crashes in Canada or the U.S. It's important to note that any income replacement received from other sources like employer benefits or Employment Insurance will be deducted from the ICBC payment. The benefit is intended as a temporary measure to support income loss during recovery, with different provisions for severe injuries and transitioning to retirement benefits at retirement age. For a comprehensive understanding, please refer to the full bulletin provided by ICBC: Income Replacement Benefit Bulletin.

How do I renew your license, or book a road test?

Visit the nearest ICBC Service location to you.

How do I know if Private Auto Insurance is for me?

Get in touch with one of our 80 Autoplan locations who can assess your individual situation and help you determine whether a Private Auto Insurance carrier is for you. We’ll give you a number of car insurance quotes so that you can be sure you’re getting the best possible deal. Our offices can also assist you in obtaining a quote for your home insurance, travel insurance, business insurance and a number of other insurance products. Regardless of the insurance company, we will get you the most comprehensive coverage at the lowest possible price.

How much does Optional Auto Insurance cost in BC?

Similar to your Basic ICBC Auto Insurance, the cost for Optional Car Insurance depends on a number of factors, including your age, driving experience, the type and use of your vehicle, the limit of coverage you purchase and the size of the deductible you select. The higher your deductible, the lower your annual premium and vice-versa. Let one of our Autoplan agents assist you with getting an accurate quote for the most suitable insurance coverage.

Does being in a car accident affect my car insurance premium?

For an estimate, the impact of an at-fault claim will have on future Autoplan premiums, visit the premium impact estimator.

Looking to File a Claim?

Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.