Car Insurance

Car insurance doesn’t have to be complicated.

Our expert car insurance Advisors are here to make it easy to understand your coverage options, and will work with you to choose the best protection options for you, your loved ones and your vehicles.

Get Car Insurance – Start an express renewal now!

We have options

Did you know you have options for your car insurance? While the Basic ICBC Autoplan is mandatory, we have private insurance options available to create customized coverage for all your needs.

Available Discounts

Are you entitled for car insurance discounts? ICBC discounts are available for:

  • Disability
  • 10 years of driving experience
  • Seniors (over 65 years)
  • Years of claims-free driving

Flexible hours

Our offices open early and close late, so you can visit at a time that works best for you.

Find an office near you

Express Service

With CapriCMW’s Insurance Express service, you can start your renewal over the phone. Then, when it’s convenient, visit an Insurance Express desk at any one of our participating offices, to sign your paperwork and pick up your decals.

Dedicated Claims Support

Our in-house claims team is here to help you every step of the way. Our team will advocate on your behalf to expedite the claims process as quickly and efficiently as possible.

Frequently Asked Questions

Am I covered if I use my car for commuting to work?

Yes, but it's important that you tell your broker that you use your vehicle for commuting to and from work. How you use your vehicle affects the rate class used to determine the insurance premium you pay.

How does an at-fault accident affect my insurance rates?

ICBC's claim-rated scale determines the discount applied to your Basic Autoplan premiums. If you’ve had an at-fault crash, you will move up the scale a number of steps to determine your discount at your next insurance renewal.

Drivers earn discounts for every year they are crash-free, to a maximum of 43 per cent.

See the claim-rated scale chart for details:

ICBC Claim-rated Scale