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New ICBC Limits for Underinsured Motorist Protection

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Now available with limits up to $5 million

Underinsured Motorist Protection is part of your ICBC mandatory Basic Autoplan Insurance. This insurance provides up to $1 million coverage in the event that you are injured or killed by the owner or operator of an underinsured vehicle who is at-fault for an accident.

The coverage extends to the following individuals, while driving or traveling in any BC-licenced/Autoplan-insured vehicle, or while walking or cycling:

  • The vehicle owner and any household members
  • Anyone else in that vehicle, either as the driver or a passenger
  • Anyone holding a valid (no suspensions or money owing to ICBC) BC driver’s license, and their household members
  • Anyone named as a lessee on an Autoplan certificate, and their household members
  • The assigned corporate driver of the vehicle

Underinsured Motorist Protection does not cover:

  • Vehicles used as buses, limousines, or taxis; and other vehicles that are exempt from Autoplan insurance
  • Anyone injured or killed in an unlicensed vehicle or in a vehicle that is exempt from Autoplan insurance
  • Anyone operating a vehicle without the consent of the vehicle owner
  • Motor vehicle crashes that cause injuries or death in a jurisdiction where the law does not permit the individual to sue and recover damages
  • Legal action or settlements without ICBC’s written agreement

ICBC’s New Extended Underinsured Motorist Protection

In the past, Excess Underinsured Motorist Protection could be purchased to provide additional $1 million coverage for a total of only $2 million.

As of March 2017, ICBC has started offering coverage limits of up to $5 million per vehicle (including the basic $1 million), in increments of $1 million. Premiums are payable when you renew your ICBC insurance.

For more detailed information about cost, eligibility, and coverage of this new product, please contact your Murrick Insurance Group Agent.


Mike Talwar

Very friendly staff try to help any time Sandy is awesome guy ready to help and explains nicely and correctly.

Meghana Reddy

Amazing professional services by Sanjeeth! There is no other person we would go to for all our insurance needs.

Lyanne Hui

Winson Leung has been helping me since 2015. He is very professional and extremely resourceful. He reminds me when my insurance renewal is due (and now my son’s also), so I don’t need to worry about it. Much appreciated!