Jane Dotson
ICBC insurance policyholders can renew their insurance online, over the phone, or in person up to 44 days before its expiration date. If you don't renew your policy before its expiration date, you will not be covered, and there is no grace period for late renewals. However, if you cancel your policy before it expires, you may be eligible for a refund. It's important to note that you must pay any outstanding amounts owed to ICBC or the provincial government before renewing your license.
| Characteristics | Values |
|---|---|
| Renewal options | Online, over the phone, or in person |
| Time to renew | As early as 44 days before expiration |
| Renewal time | Approximately 10 minutes |
| Renewal requirements | Birth date, B.C. driver's license number, vehicle's odometer reading, credit card, or bank account information |
| Renewal reminder | Mailed to customers |
| Renewal eligibility | Personal policies, not jointly owned, no changes to coverage |
| Renewal system offline hours | 12 a.m.–5 a.m. daily |
| Expiration consequences | No coverage, no grace period, plates not required to be returned |
| Expiration refunds | Available if the policy is canceled before expiration |
| Expiration document retention | Three years from the expiry date or three years from the non-licensed effective date |
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$16.99 $16.99
$118.72 $186
What You'll Learn
ICBC insurance renewal methods
ICBC insurance policies can be renewed in three ways: in person, online, or over the phone.
In-person renewal
You can renew your ICBC insurance policy in person by visiting any Autoplan broker's office in British Columbia.
Online renewal
Online renewal is available for eligible ICBC insurance policies. To renew your ICBC insurance policy online, follow these steps:
- Log in securely using your BC Services Card app or Interac® verification service.
- Complete your coverage and policy details.
- Pay for your policy using your credit card or bank account information.
- Print your insurance documents. You must keep a printed copy of your insurance documents in your vehicle at all times.
Note that online renewal is not available for all policies. For example, if there is more than one owner of the vehicle or if there is outstanding debt owed to ICBC, the policy may not be eligible for online renewal.
Renewal over the phone
You can also renew your ICBC insurance policy over the phone by contacting any Autoplan broker. Additionally, you may be able to renew your policy by email, but you should check with your broker to confirm if this option is available.
It is important to renew your ICBC insurance policy before its expiry date, as there is no grace period for late renewals. You can renew your policy as early as 44 days before it expires.
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Cancelling ICBC insurance
ICBC insurance policies can be renewed online if they are personal policies due for renewal in 44 days or less, with a single vehicle owner, and no planned changes to the coverage. However, there are exceptions to this, such as if the customer owes outstanding debt to ICBC. To renew online, log in with your BC Services Card app or Interac® verification service, complete your coverage and policy details, and pay for your policy. You will then need to print your insurance documents and keep a copy in your vehicle at all times.
If you are outside of British Columbia with your vehicle, you can renew your ICBC policy by calling 1-800-328-4484 (toll-free) or 604-661-6956 (lower mainland) Monday to Friday from 8:15 a.m. to 4:30 p.m. You can also renew your insurance by visiting an Autoplan broker.
If you cancel your policy before it expires, you may be eligible for a refund. To cancel your policy or make changes to your coverage, you will need to contact a broker.
According to ICBC, your insurance expires at midnight on the expiry date, and there is no grace period for late renewals. This means that if you do not renew your policy before midnight on the expiry date, you will not have coverage.
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ICBC insurance expiry date clarification
ICBC insurance policyholders can renew their insurance online, over the phone, or in person. The renewal process typically takes around 10 minutes to complete, and it can be done as early as 44 days before the policy's expiration date. To renew online, policyholders must use the BC Services Card app or Interac® verification service to sign in. It is important to note that there is no grace period for late renewals, and coverage will lapse if the policy is not renewed before its expiration date.
If a policyholder is travelling but their vehicle is still in British Columbia, they can call their Autoplan broker to renew their insurance. They may also be able to renew online if they are eligible and within Canada or the United States. Additionally, ICBC insurance policies cannot be temporarily suspended. However, policyholders can speak to their Autoplan broker about buying a Storage Policy if they are not using their vehicle or intend to put it in storage.
In the case of a jointly owned vehicle, leased vehicle, or company-owned or leased vehicle, the policy may be ineligible for online renewal, and the policyholder will need to contact an Autoplan broker. Before renewing their licence, policyholders must pay any outstanding amounts owed to ICBC or the provincial government, including provincial violation tickets, penalty point premiums, and any Autoplan debt. Unpaid debt may impact the ability to renew or upgrade a licence.
While ICBC insurance policies do not have a grace period for renewals, policyholders can retain their slogan for 12 months from the policy's expiration date or cancellation without having to return their plates. After this 12-month period, a fee of $100 is required to renew the slogan.
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ICBC insurance refunds
ICBC insurance policies can be renewed online if eligible. However, there is no grace period for late renewals. If you don't renew your policy before its expiry date, you will not have coverage.
If you cancel your policy before it expires, you may be eligible for a refund. The amount of the refund will depend on how frequently your car insurance was billed. If you paid in full for a certain period, you will likely get a refund for the unused period. For instance, if you paid for six months of insurance on three vehicles and sold one of the vehicles after three months, you will receive a refund for the three months of insurance you did not use on the sold vehicle.
If you pay your insurance on a month-to-month basis, you are less likely to get a refund, and any changes you make to your vehicle will likely come in the form of a credit toward your future billing. To increase your chances of getting a refund, cancel your car insurance policy mid-billing cycle. For example, if you pay on the first of the month and cancel on the 10th, you will be eligible for a small refund as you only needed 10 days of coverage.
To calculate the exact refund amount, contact your insurance agent or an insurance representative. If they cannot provide the exact dollar amount at the time of your policy change, you will likely get an exact answer within a few days of the change request.
If you have questions about discounts, surcharges, or refunds on your insurance premium, you can call ICBC at 1-800-663-3051.
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ICBC insurance renewal eligibility
ICBC insurance policies can be renewed online or through an Autoplan broker. Online renewal is available for eligible ICBC insurance policies. To be eligible for online renewal, it must be a personal policy, due for renewal in 44 days or less, and there can only be one vehicle owner who does not plan on making changes to their coverage. However, there are circumstances where a policy that meets the above criteria may still not be eligible for online renewal, for example, if the customer has outstanding debt owed to ICBC.
If your policy is eligible for online renewal, you can log in securely with your BC Services Card app or Interac® verification service. You will then need to complete your coverage and policy details and pay for your policy. After paying, your selected broker will review the renewal and contact you if needed. You will then need to print your insurance documents and keep a printed copy in your vehicle at all times.
If your policy is ineligible for online renewal, you will need to contact an Autoplan broker. If you are in B.C., you can visit the nearest Autoplan broker to have the documents replaced. If you are travelling but your vehicle is still in B.C., you can call your Autoplan broker to renew your insurance. If you are outside of B.C. with your vehicle, you can call 1-800-328-4484 (toll-free) or 604-661-6956 (lower mainland) Monday to Friday from 8:15 a.m. to 4:30 p.m.
It is important to note that if you do not renew your policy before its expiry date, you will not have coverage, and there is no grace period for late renewals.
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Frequently asked questions
If you don't renew your ICBC insurance policy before its expiry date, you will not have coverage. There is no grace period for late renewals.
Yes, online renewal is available for eligible ICBC insurance policies. You can renew your ICBC policy online if it's a personal policy that's due for renewal within 44 days, the vehicle isn't jointly owned, and you don't plan on making changes to the coverage.
To renew your ICBC insurance, you may need the birth date and B.C. driver's license number of any drivers you'd like to add to your policy. You may also need your vehicle's odometer reading to be considered for a usage-based discount. Additionally, you'll need your credit card or bank account information to make the payment.
