ICBC Auto Insurance Reviews

Last June my girlfriend was driving my car and was rear-ended. It was clear that the other driver was at fault which we thought would make the process simple, but that's just what we thought. My girlfriend was given an adjuster who would not answer emails or phone calls. After not hearing back for over a month and escalating things to the adjusters' manager (since we actually could not get any response), we received a quote for repairs and my girlfriend finally heard back that we could go ahead with the repairs and that ICBC was covering everything (finally!).

Fast forward to this June, we just got a call from the auto shop that fixed my car saying that ICBC still had not paid him for the work that was done. My girlfriend was given another adjuster (probably after the last one was fired or quit) and sent this one an email with no response, and now has called multiple times over the past three weeks with still no response.

They don't care about you!
I had a worse experience with ICBC after an accident they only care about how many people they can put responsible for! Forgot about getting any help from them I have been calling my adjuster for more than a week. They are giving me different names. Forget about getting any mental support from them. I already had injuries from previous accidents and now my injuries are getting worse because I have to deal with ICBC myself! It's mentally challenging and they are talking about we are here to support you...

Was rear ended at a red light, person at fault claimed i reversed into them - icbc sided with the claimant and denied my claim. I provided telemetry and gps data numerous times proving my vehicle was stationary and they continued to come up with new excuses to deny me.

The real reason is because my vehicle insurance is a 3rd party and icbc wanted to avoid paying anything whatsoever and sue my insurance instead. Best part, there’s no legal recourse I can take. They closed the claim while I was still mid-battle on providing the ever expanding “proof” they kept tacking on.

They are the worst auto insurance company and unfortunately have the monopoly so we don’t get a choice.

I paid for 12 months of insurance.I only used 7 but was only refunded for 4 instead of 5 months.I was also charged $22 refund license fee and $30 cancellation charge.Are you kidding me?My car died-had to give it to a wrecking yard(on my birthday to boot)and I get punished by ICBC like losing my car wasn't enough punishment.Even with the very best mathematician - it still doesn't add up. 5 months of insurance costs $534. $52 in stolen money for zero reason.I was refunded only $420.They stole over $100 of my money after losing my car.I registered and insured the car I purchased yesterday and still I am being punished. What?Do they seriously expect a person with absolutely zero money to keep and insure and pay to park 2 cars?I am absolutely furious.I received the rudest service EVER from an incompetent agent. I live on a disability pension where I earn a whopping $998 per month.I am $700 in the hole and apparently going to stay there because my money was stolen by this agent.

I can not believe this company, they can't even follow their own rules, and I swear you can ask one employee a question and ask the next right beside them and you will get two entirely different answers, and if you move away like me, GOOOOOD luck cancelling your insurance. They will give you run around after run around, hand in all your documents and do what you are supposed to and they will still take out money for insurance that is no longer exists and then tell you they can't cancel the plates till they have the old ones back well that's a lie its a 16-30 dollars charge clearly listed in the email they send you about the cancellation and how you can go about it, it been over a month now I have my safety and new plates going on another plate payment in another week, and I'm still seeing ICBC take 210 out of my account! The experience I've had with this company is unreal if it was any other company or business they would of gone out of business. I have sent one more email about this as they are only open during the hours I work, and if it isn't resolved I have to close my bank account due to these people. Every other insurance company in Canada would of had these plates cancelled the first day. Here we are a month later.

Two professional adults, 40-45 years-old, doing low-risk jobs, both with maximum (16+) loss-free years, driving a 15-year-old minivan worth <$5000, insured for commuting to a nearby place of work - and the annual ICBC premium is $2000!!! This is extortion. Nowhere else in the world charges this much for motor insurance. ICBC is broken, bad and wrong. Why? (1) They are a state monopoly - no competitive pressure to reduce their rates (2) They charge all drivers the same premium, independent of the driver's age (okay, they add $100 to the premium for an inexperienced driver - but that is no way enough to reflect the relative insurance risk) (3) They are loss-making and in debt, so gleefully profiteer from us, the residents of BC, in an attempt to back fill their coffers.

ICBC continued to make automatic withdrawals for three months on a vehicle that I no longer owned. I went in with an original Bill of Sale from the date of the vehicle sale for confirmation. I also asked them to explain how they think they can charge for two policies on the same vehicle with two different owners at the same time. Their representative( who is probably employed as a supervisor due to his remarkable lack of ability to apply logic and reason to a customer's concerns) could not provide that answer. But, he didn't mind admitting that ICBC has no problem double-charging customers. Not, only would they not refund the approximately $500 that they continued to charge me; they also charged me another $60 to cancel the policy that had just automatically withdrawn the current month's insurance fee two days earlier. The only thing that gives me a small amount of satisfaction is knowing that the level of thievery and incompetence that has become the standard at ICBC will inevitably end in their grand failure. And, if you are having a bad day just be thankful that you don't have to answer "ICBC" if someone asks where you work. Thieves!

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...

So had a collision (non-fault) resulting in a total loss claim. All ok during the initial reporting and notifications process and once acknowledged as non-fault a hire car was duly provided quickly. Fast forward a few days and the settlement offer comes through, not too bad really but a couple of bugbears and errors in the report so managed to get slightly more in the end. Again ok, except that you can tell they don't want to pay anything more than originally offered. Now at this point I ask, 'So how long have is the grace period for the hire car' to be told, Oh now you've had a settlement offer (not agreement or actually received the money) you have 3 days to return the car. Wow... one I haven't accepted this offer and two I don't have the money, how do I get a new vehicle and what do I do in the meantime? Apparently, that isn't their problem as I knew it was a total loss so should have been looking at cars already...hang on I haven't got the money so how do I get a new car? so I wasn't happy to have no car access with weekends away planned etc! Fast forward another week and I still haven't had the settlement check delivered and when I chased this up they said 'if it's still not there in a week call us again, but it has been issued'. Very very poor customer service and do not feel looked after at all. Would expect the hire car to be kept until at least the settlement money has been deposited in the bank. Also on the follow-up call, I was advised I could have had a direct transfer payment, something I was not even made aware of initially.