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ICBC Optional Insurance Coverage

 

Extended Third Party Liability

Extended Third Party Liability offers extra peace of mind when driving.

If you suffer a crash and someone is hurt or their property is damaged, and you are found at fault (that is, legally liable), Third Party Liability coverage will pay their claims or damages against you.

While your Basic Autoplan gives you $200,000 in Third Party Liability coverage, courts often award judgments for much more than that amount, and so many motorists choose to increase their coverage for better protection.

Commercial vehicle drivers (taxis, buses, limousines and so on) should consider at least $1 million Third Party Liability, and $2 million if they carry dangerous goods.

Unsure of whether you need Extended Third Party Liability coverage? Contact the Westland Insurance office nearest you or call our Telecentre at 604-543-7788 or toll free at 1-800-899-3093.

 

Collision

Collision insurance covers damage to your car from impact with another vehicle, person, object or the road surface—even if you are at fault. If needed, it also covers the costs of towing, storage, and salvage disposal. Note that it does not cover loss or damage to:

  • contents of any vehicle (other than some contents of a motor home)
  • tires, unless the damage is due to the collision
  • any damage that is a result of mechanical breakdown, rust, corrosion, wear and tear, freezing, or explosion within the combustion chamber

The type of vehicle you drive, your claim record and where you live all have an impact on premiums for collision coverage.

 

Comprehensive

Comprehensive insurance covers loss or damage to your vehicle by most causes, except those covered by Collision insurance. This includes vehicle damage or loss from:

  • Fire
  • Theft
  • Vandalism
  • Falling or flying objects
  • Malicious mischief
  • Lightning
  • Windstorm
  • Earthquake
  • Hail
  • Impact with animals
  • Various other mishaps

Restrictions include vehicle contents, tires (except if stolen or if damage is a result of the losses listed above), and damage that comes as a result of mechanical breakdown, rust, corrosion, wear and tear, freezing or explosion within the combustion chamber.

Claims made under Comprehensive coverage do not affect your discount on the Claim-Rated Scale. In fact, your standing on the Claim-Rated Scale determines whether you get a discount (or pay a surcharge) on the base premium.

 

Loss of Use

Your car might be in the repair shop—but you shouldn’t have to be stuck.

If you are in an accident that damages your vehicle, Loss of Use covers the cost of other transportation (subject to limits) while your car is being repaired. This includes:

  • Renting a vehicle
  • Hiring a taxi, or
  • Using public transportation

A version of this coverage is also available as part of the RoadStar Package or as part of Roadside Plus.

Unsure of whether you need Loss of Use coverage? Contact the Westland Insurance Group office nearest you or call our Telecentre at 604-543-7788 or toll free at 1-800-899-3093.
 

 

Excess Underinsured Motorist Protection

Excess Underinsured Motorist Protection (UMP) covers you when someone else’s insurance can’t.

If you or your passengers are injured in a crash, but the at-fault driver doesn't have enough insurance to cover your claim, UMP covers you and anyone else riding in your vehicle. It also protects you and members of your household as pedestrians or cyclists.

While Basic Autoplan provides Underinsured Motorist Protection (UMP) of up to $1 million, UMP can increase your coverage to $2 million.

Unsure of whether you need Excess Underinsured Motorist Protection coverage? Contact the Westland Insurance office nearest to you or call our Telecentre at 604-543-7788 or toll free at 1-800-899-3093.
 

 

Vehicle Travel Protection

Consider this option if you take your vehicle on holidays or business trips. It covers you (within limits) in the event of a crash or if your vehicle is stolen while you are away from home. You can also buy Vehicle Travel Protection for motor homes.

Costs covered include:

  • Extra living costs such as lodging, meals, telephone and transportation
  • Replacement vehicle costs
  • Towing costs
  • Travel expenses for the insured to return home
  • Expenses of returning the damaged or recovered stolen vehicle home

A version of this coverage is also available as part of the RoadStar Package or as part of Roadside Plus.

Unsure of whether you need Vehicle Travel Protection coverage? Contact the Westland Insurance Group office nearest you or call our Telecentre at 604-543-7788 or toll free at 1-800-899-3093.

 

Other Coverage Options