ICBC Enhanced Care System and Optional Insurance (12:IV) - Revision history

LSLAP at 19:23, 13 October 2025

2025-10-13T19:23:17Z

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2025-09-09T20:14:53Z

2025 Simplification Adjustment by Admin

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			==Optional Insurance: Part 4 of the ''IVA'', Part 13 of the ''IVR''==
	'''This section applies to all claims for accidents that occurred on or after May 1, 2021.'''		'''This section applies to all claims for accidents that occurred on or after May 1, 2021.'''

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			'''This section applies to all claims for accidents that occurred on or after May 1, 2021.'''

	Optional Insurance Contracts (“OICs”) are additional optional coverage that any person can purchase at their discretion. These typically either extend the limits of existing coverage (under the same terms and conditions as the coverage that is being extended), or provide coverage that is not already provided for (''IVA'', s 61(1)). OICs can be purchased through private insurers or through ICBC.		Optional Insurance Contracts (“OICs”) are additional optional coverage that any person can purchase at their discretion. These typically either extend the limits of existing coverage (under the same terms and conditions as the coverage that is being extended), or provide coverage that is not already provided for (''IVA'', s 61(1)). OICs can be purchased through private insurers or through ICBC.

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	==A. Extended Third-Party Liability ==		==A. Extended Third-Party Liability ==
	Allows for an extension of third party liability coverage, on the same terms and conditions as the basic third party liability coverage.		Allows for an extension of third-party liability coverage, on the same terms and conditions as the basic third-party liability coverage.

	==B. Income Top-Up==		==B. Income Top-Up==
	Extends the upper limit of the coverage available under the income replacement benefit provided as part of basic coverage (i.e. if an insured has a pre-accident net income over $100,000 this top-up might provide them greater coverage under this benefit).		Extends the upper limit of the coverage available under the income replacement benefit provided as part of basic coverage (i.e., if an insured has a pre-accident net income over $100,000 this top-up might provide them greater coverage under this benefit).

	==C. Own Damage Coverage==		==C. Own Damage Coverage==

2022-10-06T21:27:27Z

A. Extended Third Party Liability

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	The following are ''some'' of the common types of coverage and what they provide for, over and above the Basic Compulsory Coverage, that are commonly available for discretionary purchase. The below is merely meant to be an outline of common OIC types, and so it is critical to refer to your policy to understand the specifics of what is covered in your OIC.		The following are ''some'' of the common types of coverage and what they provide for, over and above the Basic Compulsory Coverage, that are commonly available for discretionary purchase. The below is merely meant to be an outline of common OIC types, and so it is critical to refer to your policy to understand the specifics of what is covered in your OIC.

	==A. Extended Third Party Liability ==		==A. Extended Third-Party Liability ==
	Allows for an extension of third party liability coverage, on the same terms and conditions as the basic third party liability coverage.		Allows for an extension of third party liability coverage, on the same terms and conditions as the basic third party liability coverage.

2022-10-06T20:00:50Z

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2021-08-08T21:43:37Z

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