ICBC Auto Insurance Reviews

This is the most archaic and frustrating insurance company that I have ever dealt with. They hide behind policy and use that as an excuse for the terrible service that they provide. It took me 2 months to cancel my policy and receive a refund. They are lucky to be the state-run insurer because I can ensure the majority of people would leave them the second they could.

My payments last year were $300 because I was 24 and still considered as a new driver. I had 1 fender bender in the last 9 years I was driving but because 3 of the years were in Newfoundland I am now considered to have 6 years driving experience due to the new structure ICBC has. That being said they raised my rates up by 150%. Yes, my payments are now $750 a month. How can this even be allowed? And they are saying that I can just pay 10,000 to have it insured for the year if I don't want the payments. I've got 3 young kids and a wife to feed and a mortgage to pay for. The wife doesn't work right now and with just the truck payment, insurance and mortgage I'm looking at 4,000 a month. What!? ICBC is a scam and they take advantage of people because they are our only option for insurance. No wonder people drive without insurance or jump off bridges. I can't believe they are doing this sort of stuff. I thought $300 a month was bad. The real kicker was that I got a piece of mail from ICBC to remind me to renew and it said that with their new structure, premium rates don't rise each year like they used to. HA...

Gouging young drivers. Our 20-year-old for one year in the lower mainland based on a 14-year-old Honda is paying $6000 a year for insurance with one accident. This is completely unfair. How do these young people get ahead and be able to live in this province?

I had to work in Vancouver for one month in 2016, I bought a car and I did insurance with this insurance company. I paid the first month but I left back to Quebec the same month and the engine of the car stopped at the road and I went to the garage. They told me to scrap the car. The same day I called the insurance company and cancelled. All was good after then I found just now on my Equifax reported that I have a personal loan with this company, so I'm gonna talk with my lawyer and report them by Equifax Canada.

The insurance rates keep rising each year. The highest rates in North America are in BC!

COVID-19 Pandemic situation reduces a lot of traffic on the street and the chance of the claims on auto insurance. People are asked to stay at home and avoid going out. How come ICBC still charges the same premium and fees during the period even though most of the people are suffering the income loss?

I just went to renew my insurance. Last year I was at - 19 years of experience. (-9) being the maximum discount. I had a little parking lot fender bender and not my insurance has gone up to $800.00. .713 discount. The customer service agent told me on the old model I would have gone to -13. Thanks for the good news that is NO good to me. I could have had TWO accidents and still got the maximum discount because of all my years of safe driving. Then she says "but there is a new model now and we can't compare apples to oranges". SO MAD! What a joke! Then she offered to share with me information on how the public loves this model way more. Especially seniors. (they should get a seniors discount anyway) I do not believe many people think this is better. Plus....we don't even have a choice!

Very high rates. A new and improved system that caused delays in renewals and adjustments finally came out with the promise of punishing bad drivers while doing the opposite. The fact that I now have to put a parent on my insurance who will NEVER EVER drive my vehicle to lower my rates more accurately to what they were at before should be a HUGE RED FLAG. Well over 10 years of flawless driving. Being punished. A person close to me has to pay over 1400 more a year. Also 10 safe driving.

I have never in all my born days been so disappointed in an insurance company as I am with ICBC from cost to service. ICBC is an empirical and outdated system with no competition to keep them in their place and costs affordable. Absolutely shameful when it comes to reasons for increases, discounts given, it's all about them, not the customer.

The worse experience ever. ICBC Customer Service are the rudest people in the universe. They just do not care what are you saying. They can care less. It is obvious their mistake and still, they do not care. I called 3 times and they still did not send me the report I have asked for. Also, ICBC is the most expensive. Why in BC we only have only one insurance company. Absolutely terrible in every possible way.