ICBC - Cost of short-term Autoplan policy

ICBC doesn't seem to publish anything about the cost of a short-term auto insurance policy.  I couldn't get a straight answer out of the Autoplan agent about the total amount of fees that are non-refundable.

TLDR: Up to about 5 days, buy a trip permit.  Above that, buy a year and cancel.

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Early Cancellation

• refund is pro-rated by day, except for nonrefundable:
• $30 early cancellation fee
• $18 plate is forfeited
• Some other costs.
  
• EG: Imagine your total yearly charge is $1000 
• That includes $48 in non-refundable charges
• refundable premiums will be $952.
• Final cost will be $48 + $2.61 / day.

Short-Term policy

• Is not cheaper than cancelling a full-year policy
• premiums are pro-rated to the day
• some of the fees are not pro-rated (?)
• there is an additional $30 or $40 short-term fee 

Trip Permit

Length of Period	$1 million Liability only	$5 million Liability only	$5MM, Collision & Comprehensive
one day	$31	$36	$43 (most common permit)
2 days	$48	$55	$70
3 days	$64	$71	$92
one week	$138	$150	$189
15 days	$238	$254	$310