Auto plan insurance

What is Auto plan Insurance?

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What is Auto plan Insurance?

Auto plan Insurance is a government-regulated auto insurance program offered by the Insurance Corporation of British Columbia (ICBC). It ensures that all registered vehicles in British Columbia have basic insurance coverage. This program aims to provide protection and financial security to drivers, passengers, and pedestrians in case of accidents.

Importance of Auto Plan Insurance

Auto Plan Insurance is more than just a legal requirement; it offers peace of mind to drivers. Accidents can happen unexpectedly, and having the right insurance coverage can safeguard against the financial burden of property damage, bodily injuries, or legal liabilities.

Auto Plan Insurance Coverage

Mandatory Coverage

Under the Auto Plan Insurance program, there are specific mandatory coverages that every vehicle owner must have. These include:

Third-Party Liability Coverage:

 This coverage protects the policyholder from claims made by third parties for injuries or property damage resulting from an accident where the policyholder is at fault.

Accident Benefits Coverage:

 This coverage provides medical and rehabilitation benefits, funeral expenses, and income replacement for the policyholder and their passengers injured in an accident, regardless of fault.

Underinsured Motorist Protection:

This coverage protects the policyholder if they are involved in an accident with a driver with inadequate insurance coverage.

Optional Coverage

In addition to the mandatory coverage, Auto Plan Insurance also offers various optional coverages to enhance the protection provided. Some of these optional coverages include:

Collision Coverage:

 This coverage pays for repairing or replacing the policyholder’s vehicle in case of an accident, regardless of fault.

Comprehensive Coverage:

This coverage protects the policyholder’s vehicle against non-collision-related damages, such as theft, vandalism, or natural disasters.

Roadside Plus Coverage: 

This coverage offers additional benefits, such as emergency roadside assistance and lockout protection.

 Auto Plan Insurance Hours

Definition of AutoPlan Insurance Hours

Auto Plan Insurance Hours refers to offering hourly-based auto insurance, primarily aimed at drivers who do not use their vehicles frequently. This innovative option allows drivers to pay insurance premiums based on driving hours rather than the traditional fixed annual premiums.

Benefits of Auto Plan Insurance Hours

Flexibility in Coverage:

 One of the most significant benefits of AutoPlan Insurance Hours is its unparalleled flexibility to drivers. Unlike traditional auto insurance plans, where drivers pay fixed annual premiums, AutoPlan Insurance Hours allow individuals to activate coverage only when needed. This means drivers who do not use their vehicles frequently can save money by paying insurance premiums based on their driving hours.

Cost Savings:

 For occasional drivers or those who rely on other means of transportation for their daily commute, Auto Plan Insurance Hours can lead to substantial cost savings. Instead of paying for insurance coverage throughout the year, which might not be fully utilized, drivers can purchase insurance for specific periods when they plan to drive. They can significantly reduce their insurance expenses by paying only for the hours they are on the road.

Customized Insurance:

 AutoPlan Insurance Hours allow drivers to tailor their insurance coverage to suit their needs and lifestyle. For example, if a driver only uses their car for weekend getaways or occasional trips, they can purchase coverage for those specific hours, leaving the rest without insurance. This customized approach ensures that drivers have the protection they need when they need it most.

Ideal for Car-Sharing Participants:

 AutoPlan Insurance Hours are especially beneficial for those who participate in car-sharing programs. In such scenarios, drivers may not own a personal vehicle but occasionally use shared cars. With Auto Plan Insurance Hours, they can activate coverage only when using the shared vehicle, avoiding the need for continuous coverage when not driving.

Ease of Application: 

Applying for Auto Plan Insurance Hours is a straightforward process. Drivers can easily apply through the Insurance Corporation of British Columbia (ICBC) or authorized insurance brokers. The simple application process ensures drivers can access this flexible insurance option without complications.

Environmental Considerations:

 For individuals who use public transportation or rideshare services for most of their daily commute, AutoPlan Insurance Hours align with environmentally conscious practices. By encouraging reduced driving and providing insurance coverage only for the hours a vehicle is in use, this option promotes a more sustainable approach to personal transportation.

Additional Protection Options:

 While Auto Plan Insurance Hours cover mandatory insurance requirements, drivers can also add optional coverage to enhance their protection. These optional coverages can be tailored to specific needs, ensuring that drivers have comprehensive coverage on the road.

How Auto Plan Insurance Hours Work

Depending on their driving needs, drivers who opt for Auto Plan Insurance Hours can purchase insurance coverage for specific periods, such as a few hours, a day, a week, or a month. This is particularly advantageous for occasional drivers, car-sharing participants, or individuals who prefer public transportation for most of their commuting needs.

Auto Plan Insurance Hours promotes flexibility and cost savings, as drivers only pay for insurance when needed rather than committing to an entire year of coverage.

How to Apply for Auto Plan Insurance Hours

Drivers interested in Auto Plan Insurance Hours can easily apply through the Insurance Corporation of British Columbia (ICBC) or authorized insurance brokers. The application process is straightforward, and drivers can benefit from this flexible insurance option once approved.

Factors Influencing Hourly Rates

  • The hourly rates for Auto Plan Insurance Hours are influenced by several factors, including:
  • Type of vehicle
  • Driver’s age and driving record
  • Coverage period (e.g., hours, days, weeks)
  • Location and usage patterns

Tips to Lower Insurance Costs

To make the most of Auto Plan Insurance Hours and reduce insurance costs, consider the following tips:

Be a Safe Driver:

Maintaining a clean driving record can positively impact insurance rates.

Choose Suitable Coverage Periods:

 Plan and purchase coverage only for the necessary hours.

Consider Vehicle Type:

 Insurance rates may vary depending on your vehicle type.

Common FAQs about AutoPlan Insurance Hours

Is AutoPlan Insurance Hours available for all vehicle types?

AutoPlan Insurance Hours are generally available for most types of vehicles, including cars, motorcycles, and motorhomes.

Can I switch back to traditional insurance if I prefer?

Yes, drivers can switch between AutoPlan Insurance Hours and traditional insurance plans as per their preference.

What happens if I exceed my purchased coverage hours?

You must stay within your purchased coverage hours to be insured for the additional time. It’s essential to plan accordingly to ensure coverage is maintained.

Are there any limitations on the number of hours I can purchase?

While certain limitations may exist, most drivers can purchase coverage for as many hours as required.

Can I add additional coverage options to AutoPlan Insurance Hours?

Yes, drivers can add optional coverage to their AutoPlan Insurance Hours, providing additional protection as needed.


AutoPlan Insurance Hours offer a flexible and cost-effective alternative to traditional auto insurance plans. This innovative approach allows occasional drivers to customize their coverage according to their needs, ensuring they are protected when they hit the road without committing to yearly premiums.

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