ICBC to launch windshield optional insurance coverage

Published: February 9, 2017

Updated: July 24, 2018

Author: Luke Jones

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The Insurance Corporation of British Columbia has announced a new benefit for customers in the province. The ICBC said on Wednesday that it now offers optical coverage for windshield repair for private vehicles.

“Starting this spring, customers who purchase ICBC’s optional comprehensive coverage will be able to have a chip in their windshield repaired for free, as long as it is safe and appropriate to do so,” ICBC said in a release.

The provincial public insurance provider supplies all of the basic auto insurance in British Columbia. The optional windshield coverage is a welcome addition as private companies are able to compete with the ICBC in writing excess liability, optional policy extras, and writing collision.

“In recent years, ICBC would replace a damaged windshield rather than offer to repair it because repaired windshields would often still need to be replaced a short time later,” ICBC stated Feb. 8. “Today, repairs can last substantially longer due to improvements in the technology and materials used.”

The addition will be welcome to customer. During 2016 the ICBC “handled approximately 109,800 windshield replacement claims” at an average cost of about $820.

“Windshield repairs cost significantly less than replacements, which will help ICBC reduce its material damage costs,” transportation and infrastructure minister Todd Stone stated in a release.

The Crown corporation will work with partners to create a program. The company says it will work with Automotive Retailers Association and the New Car Dealers Association on an implementation that will be launched in the spring.

ICBC offers the mandatory coverage in British Columbia, which includes $200,000 in liability, $150,000 in medical and rehabilitation benefits and $1 million in underinsured motorist coverage.