Car Insurance – British Columbia
Your vehicle is an extension of your life. It lets you get to where you want to go when you want to go there and is much more than just an investment. However, choosing the right auto insurance coverage can be tough. Let one of our auto specialists walk you through your options and help you choose the coverage best suited for you to make sure you’re protected out on the open road.
In British Columbia, there are mandatory coverages through ICBC. Did you know that you have options above and beyond that to enhance your overall coverage while out on the road? We’ve taken the guess work out of auto insurance in British Columbia and have outlined the coverages available to you. Of course, if you’d like to chat with one of our auto insurance experts, we’re here for you. Connect with us today.
Autoplan is the mandatory coverage for all vehicles in BC provided through ICBC. Note, there are significant changes to the Autoplan product effective May 2021. To learn more, read our blog highlighting all changes. Autoplan includes financial protection for the following:
- Third Party Liability coverage ($200,000 limit which is not sufficient in many circumstances).
- Enhanced Accident Benefits which provide every British Columbian with benefits in the event of injury or death, regardless of who was at fault in an accident.
- Underinsured Motorist protection
- Inverse Liability
- Protection from hit and run damages to property (hit and run damage to vehicles is now available as an optional coverage)
- Basic Vehicle Damage
A basic policy will encompass mandatory coverages. We recommend increasing coverages with the optional limits to better your coverage while out on the road.
Optional Auto Insurance
In addition to this basic, mandatory coverage, there are many extended and optional coverages that you can select from, depending on your personal situation. We always recommend that you explore options when it comes to enhancing your car insurance coverage. From lowering your deductible, increasing liability and getting enhanced wage protection coverage, you can build out the car insurance policy that reflects you and the use of your vehicle. To read more about optional auto insurance through ICBC, click here.
There are also many extension and optional coverages available from private insurance companies that we work with. You’ll need to register your vehicle with ICBC, but you have the option to add on an auto policy from another insurance company to enhance your coverage. A benefit to auto extension policies through alternate insurance companies is that you may have optional coverage not available to you through the ICBC product.
As an option to increase your coverage through your ICBC car insurance policy, Westland’s Family Autocover offers private auto coverages that may be a better fit for your life. Family Autocover is exclusive to Westland Insurance and as a Westland client, you’re able to benefit from this private car insurance package.
What Are the Benefits of Family Autocover?
- Additional discounts for providing credit consent
- No deductible windshield chip repairs (subject to a maximum per year)
- Emergency Roadside Service
- Loss of Use (with no deductible for fire, lightning or theft)
- Increased Comprehensive deductible available
- Optional Accident Forgiveness
- Optional Excess Underinsured Motorist Protection
- Optional Replacement Cost Coverages
To learn more about our Family Autocover program, click here.
As an option to increase your coverage through your ICBC car insurance policy, ICBC RoadStar program offers extension coverages that may be a better fit. RoadStar package beefs up your current car insurance policy and ensure you’re fully covered while out on the road. You’ll also need to have comprehensive coverage through your Autoplan policy to receive the benefits of the RoadStar package. To learn more about ICBC Auto Insurance, click here.
Optiom is a vehicle replacement program that helps your insurance on your new or used vehicle keep pace with the true cost of replacement. Optiom’s vehicle replacement can be looked at as an enhancement to your current comprehensive coverage through your primary insurer. Optiom provides up to seven years of coverage on new vehicles and up to five years of coverage for used vehicles. To learn more about Optiom auto insurance, click here.
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect auto insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your auto coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!