ICBC Auto Insurance Reviews

As a new driver, I haven’t even been driving for a year. I'm a teenager with a minimum wage job, working part-time during high school. I have had 4 cars this year, which I have paid for all my self. I have saved up for a couple of years to be able to afford a nice car. Unfortunately, 2 of the vehicles I owned this year got written off while they were parked. I was obviously not at fault. Of course, ICBC gets to decide the value of my car and the estimator was a total prick. They compared my car to a completely different model which drove the price down like crazy and when I asked them to redo it they got my estimated value off of a car with 250,000km. They ended up paying me out 4 THOUSAND less than I paid. Not only that, my quote for insurance on an Audi was $5500 for the year. (The car was $12,000). It’s ridiculous that I should get completely screwed over by others actions and have to suffer high insurance because others don’t know how to drive. ICBC is seriously the worst service I’ve ever experienced. I hope the next accident takes me out with it because it would be less painful than going through another ICBC insurance claim. ICBC is the worst company to ever exist.

Rates keep going up every year, even for experienced and safe divers - often at least twice as expensive as other provinces for the same coverage, vehicle, and driver. ICBC has an unchecked monopoly and should not be allowed to continue operating like this.

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).

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”.

Not everyone needs a to drive around with an L for a whole year and have a someone 25+ with a license to babysit you all the time. Some people are natural drivers. And then having to be stuck with an N and be restricted to driving one person (2 if one is family) for another 2 years is nonsense. Nothing about the way someone drives will change when they go from an N to their class 5. You'll obviously get to drive with a car full of people which could cause more noises and distractions. If a passenger is being disruptive, then tell 'em to settle down or get the heck out. ICBC's one giant money-grabbing company. We need to bring no-fault insurance here. More people can live in peace this way and not worry about making those wallet draining payments each month. People would have so much more money saved up if ICBC didn't constantly take away our hard-earned money! We work hard for our money only for them to just sit around all day and mess with people. I really hope we can all band together and shut down ICBC one day. Sooner's better than later. Being forced to buy something we don't use is criminally insane. Pure insanity. ICBC won't work the way some of you hope they will. They'll put you through continuous loops after loops doing their best to avoid paying you out. They give you the illusion that you'll be covered when an accident occurs. Time to boycott ICBC. The cops should be going after ICBC. They're the real criminals here and we are all the victims. Even the cops are victims. ICBC has taken enough of our money through the years. This is ridiculous and it's time to put a stop to these people.

My 8-month new car got $9000+ repair damages at 100% fault to the other driver. ICBC is playing ugly tactics not to compensate market value depreciation and cost to trade for an accident-free car. Why should my property value deprived by an incident at 0% my fault? It's sad that such a large influential company is lacking sense of fairness. Monopoly gets things stink. I had exchanged many phone talks and mails with different representatives in ICBC. No one admitted the fact "A repaired and re-painted accident history of car has less value than an accident-free car." It's frustrating to talk with ICBC people who deny generally accepted facts or common senses. It ended up being waste of time. More pain on top of the original damages! I had to sue ICBC to bring it to the justice of law.

My experience with ICBC has been unspeakably horrible. Several years ago now, my mother was rear-ended in a car accident and suffered damage to her knee. ICBC was supposed to compensate her for her time lost from work, but they instead transferred her from one adjuster to another, over and over again, and eventually stopped answering her calls completely. By the time she actually got a hold of her adjuster, they told her that the file was too old, and she didn't receive a single penny. They are ridiculously expensive, far more so than insurance you can get in Alberta, Nova Scotia, etc. and they will do everything they can to avoid money under any circumstances. When I accidentally crashed my car, it wound up being cheaper to pay for the repairs myself, than to go through ICBC and deal with the increased rates.

My father was involved in a motor vehicle accident that was staged. An east Indian male accused my father of rear-ending his red pickup truck. If you don't believe it, google my review title as the story was covered on CTV news. I went ahead and performed an FOI request to the city. The traffic footage showed a driver in a red pickup truck purposely reversing into my father's vehicle while waiting to make a left-hand turn at an intersection on a red light. I was furious and wasn't about to let the driver of the red pickup get away with it. I reached out to ICBC regarding the incident after I performed an FOI. The ICBC adjuster tried to accuse me of fabricating video evidence in my attempt to blame the other driver. I told the ICBC adjuster that he's on crack. I told the ICBC adjuster that he needs to do an FOI to obtain the video from the city or repay the $378 fee that the city charged my father for the video. The adjuster refused to do an FOI and to compensate my father for the video footage and then threatened to blame my father 100% for the accident. So I responded in kind. I reached out to CTV News and that is how the claim was eventually foiled. In the end, ICBC never performed an FOI but reimbursed my father for $378. ICBC is very lucky this did not happen to me as I was not the driver as I would have gotten a lawyer and sued ICBC for $10,000,000 for accusing me of fabricating video evidence and then trying to blame this on me without any evidence other than a word of some east Indian male driver. If I had an option for another insurance company, I would never insure my vehicle with ICBC. ICBC are legalized crooks!