Auto Insurance + More
Each year there are many vehicle crashes that result in injury or fatality. Auto insurance is designed to protect you and your family while driving. The right coverage will provide you with peace of mind, knowing that a professional broker carefully created a package specific to your needs.
Save money on your auto insurance with private coverage for your vehicle.
Although British Columbia is a government insurance province for basic $200,000 third party liability, we are contracted with reliable insurers who offer extended third party liability, collision, and comprehensive coverages to qualified BC motorists. We offer a variety of options, enhancements, and deductibles.
This means savings for you and a choice of the best options, most appropriate for your unique circumstances.
Basic third party liability is generally insufficient insurance for motorbikes. The damages caused in an accident can far exceed $200,000. Insurance coverage for your motorcycle will cover you year-round, even when you are not riding.
Your premium is based on your experience as a rider and the value of your motorcycle. Insurance coverage is available on an agreed value basis for the motorcycle. Most of our insurers offer packages that include your riding gear, based on replacement cost up to a specified limit and will even offer trailer coverage.
Ask us about other benefits available for your peace of mind.
Residential insurance policies will only provide limited coverage for watercraft – usually $2,000 to $3,000. Liability is also restricted, depending on the type and size of your watercraft.
For this reason, a separate boat insurance policy or a policy for a watercraft rider on your home insurance is necessary if you own a boat of any noticeable size or value.
As a government body, the Insurance Corporation of British Columbia is the sole provider of the mandatory basic third party liability ($200,000) in BC. The basic coverage also provides accident benefits; up to $150,000 regardless of who is at fault, for each injured party; up to $1 million per person if you’re hit by an under-insured or uninsured driver(under-insured motorist protection) as well as up to $200,000 coverage for damage, injury or death as a result of a hit and run claim.
The legislation of this mandatory coverage ensures that all drivers of BC insured vehicles will have some protection.
ICBC offers third party liability limits up to $5,000,000, so, should you be at fault for a loss, the limit you select can satisfy claims against you for damage or injury resulting from the accident. Choosing the appropriate coverage is a consideration to discuss with your trusted broker.
Collision and comprehensive coverages are considered optional in BC. How you protect your investment in your vehicle, and the deductible are your choice. Also available are a variety of packages and endorsements designed to enhance the policy to provide for your specific needs.
ICBC offers a wide range of ‘special‘ coverages, such as Temporary Operating Permits (short term insurance from one to fifteen days), Binder of Insurance (in case you find that perfect vehicle when you are outside the province), Rented Vehicle Policy (renting a car on vacation), or additional under-insured motorist protection (up to $2 million). If you have a vehicle insurance need, we can help you find the appropriate product.
BC is home base for many commercial enterprises, international and domestic truckers, large farms, and vehicles for hire. We can also assist with insurance for your fleet, dealership or repair facility. Icbc.com