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EXCESS UMP - Excess Underinsured Motorist Protection
What is Excess UMP and how does it benefit me?
You're involved in a crash causing you severe injuries. The court awards you a settlement of $2 million to cover the cost of lost wages and a lifetime of medical care. Unfortunately, the person who caused the crash carried liability insurance of only $1 million.

Without Excess UMP, your claim would be paid up to $1 million. That means there's a $1 million shortfall between your ICBC settlement and your court award for damages. Where will you find the money for your ongoing medical expenses and care costs? With Excess UMP this shortfall could be covered up to a maximum total limit of $2 million.
Don't rely on others to carry adequate insurance. Protect yourself with extra coverage by carrying Excess UMP.
For only $25 a year, you can protect yourself with $2,000,000 in coverages when you or your passengers are injured in a crash and the driver at-fault doesn't carry enough insurance to cover the claim. This $2,000,000 in coverage also applies to other household members if an underinsured driver injures them while they are walking or riding a bike.
Provides additional $1,000,000 beyond the basic $1,000,000 UMP limits
Covers named insured on the policy / a household member of the named insured while an occupant of any vehicle not owned by that member, or as a pedestrian or cyclist.
Terms & Conditions
maximum payable is $2,000,000 per insured person for bodily injuries
covers accidents which occur within Canada or the USA only
the at-fault party does not have sufficient insurance
 
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