ICBC Auto Insurance Reviews

Supposedly ICBC’s new system will save good drivers money and penalize ‘bad’ drivers. I haven’t met anyone yet who is paying less than they were last year, and now you have to name all your family members on your insurance and pay 1/4 of the amount based on the worst driver. It is VERY unlikely that your named drivers will be using your vehicle this much, for example, my sister may borrow my car once a year, yet my tariff could be based 25% on her driving record even though she may only drive it less than 1% of the time. This is also a discriminatory policy that is biased against new drivers, low-income households and new Canadians. Even if you have a 40-year clean driving record from overseas, you will only be given 15 years' credit (far from maximum discount) and if you want to add a named driver without a BC licence, that person is counted as a new driver regardless of previous driving record. All in all a massive failure designed to bail ICBC out of debt and nothing else. I know people who are being driven out of employment because they can no longer afford to run a vehicle (an no, transit is not a possibility for everyone particularly self-employed).

With these new ICBC rates, and their constant ads on every radio station (wonder what that costs) I felt I should relate the truth about private insurance. I moved over to Alberta for 5 years and came back, I was a roadstar in BC, Alberta didn't recognize that, put me mid-scale. Upon moving back to BC, after the circus of going thru out of province, my rates were 10$ more a month at a max discount then mid-scale in Alberta. To do the out of province they didn't even have a proper form, I had to fill out a transfer paper from myself to myself. They also had no way to contact or get any info from the insurers in Alberta to make sure I didn't have an accident, they made me go back and contact them.

Whoever thought it was a good idea to charge "high-risk drivers" more was an idiot. Now 17-year-olds who just got their N have to pay around $350 per month. While going to school. I'm about to enter the second year of insurance and it's over $1000 more than it was last year and just another thing to worry about as I'm now in post-secondary. What a joke of a company. They just want more money in their pockets.

It’s a very defeating feeling when you realize that the government has TOTAL control over our vehicles that we own and bought with our hard-earned money. I just had to hand over $950 for only... get this. Three months of coverage!!! If I were to pay off the full year it would have cost me $3800!!! My deductibles are maxed to $1000, my coverage is lacklustre and knocked down to very basic coverage. Never been in a collision, never had any serious driving offences, drive a newer vehicle, yet I still can barely afford to be able to use my vehicle to you know... get to work, buy groceries, live my usual life?! I own my car, the government had NOTHING to do with the purchase of my vehicle. I should get to choose who I insure my possessions with. Shouldn’t be forced to use some company that only ever has their own best interests in mind. Hope you sleep well at night making your 6 figure salaries from this disgusting capitalistic monopolized industry you guys call “insurance”.

I've had 0 accidents, but 2 speeding tickets in over 10+ years of driving. My husband, who has flipped and totalled his car, plus 3 years ago had to have the breathalyzer for a year, etc. Apparently has cheaper insurance than me. How? Such a RIP-off!!! But I have to drive so I have to gork over the money. ICBC should be trashed and bring on companies we could choose cheaper rates from so they compete. I am so livid! May as well go get into an accident or drink and drive apparently, maybe then I'll have cheaper insurance!

ICBC is complete garbage, as I just renewed my car insurance I have been majorly affected by there new rates. My car insurance went up by almost 50% a month. I’m in actual shock as a “young” driver they wiped my 3 years of safe driving experience from my learners and now to them I only have 1 year! (I have never had a car accident in this time) This is garbage I have been a customer for 4 almost 5 years and they took all my discounts away. Sounds great ICBC let’s make the people younger group of people who already have a harder time pay more.

Completely disgusted with ICBC… They could care less what the facts are... They make up stories and NEVER even go to the scene of the incident and actually investigate it! Sitting behind a computer and reading some reports to determine who is at fault is DISGUSTING!! Each driver should have to return to the scene with the investigator and walk through what happened! ICBC IS A JOKE!!!

I was looking for a motorcycle quote and can't get one online, so I went to the ICBC broker location who also tried to use the site and was unable to provide me with the quote as well. This system is not user-friendly and this is extremely frustrating. People should be able to receive quotes for different classes of vehicle/motorcycle so that they can prepare the living expense.

I've been with ICBC since last year only when I moved here in BC. The first couple of calls I kept quiet until now. I've never experienced good at least a good conversation with CSRs. Most of them are rude and easily get pissed if you asked a lot of question and not very much accommodating and helpful. Aside from a very expensive and monopolized insurance here in BC talking to a friendly and helpful voice would make a difference somehow.

Most incompetent people work here. Never helpful. My insurance went up by 25% with 40 years of safe driving. Robbing public.