ICBC Appraisal Form Guide: FIN-320 Step-by-Step
The ICBC appraisal form is FIN-320, a one-page certified motor vehicle appraisal. This guide walks through what goes on each line, who actually fills it out, the most common mistakes, and how the completed form moves through your broker or ICBC adjuster.
Why buyers use this page
- FIN-320 is the official BC motor vehicle appraisal form, used by ICBC, brokers, and the Consumer Tax Branch
- It must be signed by a qualified appraiser, not the buyer or seller
- It documents vehicle identification, condition, mileage, trim, and appraised value
- It is used for PST support at registration, total loss disputes, transfers, and refund applications
ICBC Appraisal Form Guide
The form looks simple. The mistakes are not. FIN-320 is a one-page appraisal certificate that documents a specific vehicle and its appraised value, and it is signed by a qualified appraiser, not the buyer or seller. Many BC drivers see the form for the first time at an Autoplan broker counter, get told they need one, and have no idea what they are looking at. This page is the explainer that should have come first.
Who fills out FIN-320
The most common confusion is that buyers think they fill out FIN-320 themselves. They do not. FIN-320 is a certified appraisal form, signed by a qualified motor vehicle appraiser. The buyer provides the documentation (bill of sale, photos, mileage, history), the appraiser inspects the file, and the appraiser signs and certifies the appraised value. Brokers and ICBC adjusters rely on that signature.
Line-by-line walkthrough
The form has a small number of fields, each of which matters.
Vehicle identification
Year, make, model, trim, VIN, and licence plate number. These have to match the APV9T and bill of sale exactly. Typos here are a common reason brokers reject a file.
Mileage
Odometer reading on the date of appraisal. Photo evidence of the odometer is included with the file. The mileage is what most often justifies a value below Black Book.
Condition notes
Honest description of damage, wear, mechanical issues, missing parts, repairs needed, paint quality, and interior condition. This is what differentiates the appraisal from a generic reference value.
Appraised value
The certified market value supported by the comparable evidence and condition notes. The appraiser signs and dates this line.
Appraiser certification
Name, signature, qualifications, and contact information of the qualified appraiser. The signature is what makes the form legally usable.
Common mistakes that get FIN-320 files rejected
Most rejections come from the same handful of issues.
VIN typos
Even one wrong character causes a mismatch with the APV9T or bill of sale. Always double-check.
Missing photos
A FIN-320 prepared without odometer, VIN plate, and condition photos is at risk if the broker or Consumer Tax Branch wants to verify the file.
Buyer-completed form
Forms filled out by the buyer or seller without a qualified appraiser signature are not usable. Brokers will reject them.
Dated reference comparables
Comparable-sales evidence should be recent. Old listings undermine the appraised value if the file is reviewed.
How the form moves through the system
You provide vehicle details, paperwork, and photos to a qualified appraiser.
The appraiser reviews the file, prepares the FIN-320, and signs it.
You receive the signed FIN-320 by email and forward it to your Autoplan broker, ICBC adjuster, or attach it to your FIN-355MV refund file.
ICBC Appraisal Form Guide FAQ
Who fills out the FIN-320 form?
A qualified motor vehicle appraiser, not the buyer or seller. The buyer provides documentation; the appraiser certifies the value.
Where do I get the FIN-320 form?
The blank form is on the BC government website, but a blank form on its own is not usable. The signed certified version comes from a qualified appraiser.
How much does it cost to get a FIN-320 done?
IC Appraisal BC charges $75 flat plus tax for the FIN-320 appraisal service.
Do I need to inspect the vehicle in person?
Not for most BC private-sale PST cases. A complete photo set, the bill of sale, the APV9T, and condition notes are usually enough for a remote appraisal.
How long is a FIN-320 valid?
It reflects the value at the date of appraisal. For PST support at registration, it should be recent (typically within days, not weeks). For total loss or refund applications, it documents the value at the relevant date and that timing is what matters.
What if my Autoplan broker rejects the FIN-320?
The most common rejection reasons are VIN typos, missing photos, or out-of-date comparables. A properly completed FIN-320 from a qualified appraiser is accepted by Autoplan brokers across BC. If yours is rejected, contact us with the broker reason and we will review.
Helpful next steps
Use these supporting pages to keep moving.
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