Westland Insurance Group has been saving money for our valued BC auto insurance customers for more than 30 years.
But Westland Insurance Group offers more than just personal and business auto insurance plans. BC insurance customers also come to us for comprehensive boat insurance Canada can afford.
Along with the Pacific Ocean, beautiful British Columbia enjoys hundreds of fresh water lakes and rivers that are just waiting to be explored.
Basic Autoplan Coverage
Are you new to Canadian auto insurance?
If so, your BC Auto Insurance plan must include basic Autoplan coverage. Only visiting students, tourists or members of the Canadian military are exempt from this law.
Auto Insurance BC and your Basic Coverage
Here’s an overview of your basic BC Autoplan insurance coverage.
- Every person that is injured will be covered for no more than $150,000 Canadian
- Other drivers can claim for damages up to $200,000 Canadian
- If the driver who is at fault is under-insured then each person is covered for up to $1,000,000
You can also voluntarily increase your liability insurance limit to $2 Million or $3 Million if you so wish.
How Auto Insurance BC Premiums Are Set
When we refer to your auto insurance BC premium, we are talking about what you will pay for your BC auto insurance rates. Premiums vary and will depend on these factors:
Where You Live and Drive In British Columbia
If you live in the city, driving conditions are different than in smaller rural Canadian towns. Generally, heavy traffic puts you at a higher crash risk, so car insurance in BC can cost more.
How You Use Your Vehicle
Auto insurance rate classes are based on whether you drive to and from work or simply use your vehicle for pleasure use. You might need your vehicle for your business. There are over 150 different rate classes that influence how much you pay for auto insurance in BC.
Your claim history
If you’ve claimed an accident and you were at fault, your premium will cost you more. When it comes to car insurance Canada, drivers with a crash-free record get the best auto insurance discounts.
The type of vehicle you drive
Although it doesn’t affect basic auto insurance coverage in BC, the type of car you drive will affect collision and comprehensive insurance coverage costs. Basically, if you drive a car that is expensive to repair or replace, you can expect to pay more for your car insurance in Canada.
The more optional coverage you buy, the higher your BC auto insurance rates will be.
Boat Insurance Canada: One Size Doesn’t Fit All
From Sea-Doos to sailboats, boat insurance policies in Canada can be very different. BC boat insurance also offers some unique challenges.
BC boat owners may think that adding boat insurance to a homeowner policy is the best option. Not so!
Home insurance policies don’t provide comprehensive marine coverage; like retrieving or salvaging costs.
If your boat has to be salvaged before it can be repaired, you could end up using repair money for the recovery. Generally, it can be most cost effective to insure a boat separately. You’ll get better coverage and your boat insurance in BC will cost less.
Westland Insurance Group has comprehensive boat insurance. We’ll review all of your options, so if the unexpected happens you won’t be left with unpleasant surprises.
Ask Us About Boat and Auto Insurance in BC
Planning a boat cruise or road trip?
Westland Insurance Group is the place to get car & boat insurance in BC Canada. Our experts can help with your BC auto insurance questions.
For more information about Marine & Boat Insurance in Canada and our full range of extra coverage options, call us toll free at 1-800-899-3093 or drop by one of our BC Auto Insurance Locations.
Westland Insurance is a leading insurance broker providing home, travel, business and auto insurance quotes since 1980.
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Along with commercial and business liability insurance, tenant insurance, condo insurance and home insurance, BC’s Westland Insurance Group Ltd. provides affordable travel and auto insurance plans for clients throughout British Columbia with offices in Victoria, Vancouver, North and West Vancouver, Whistler, Sechelt, Gibsons, Squamish, Parksville, Port Alberni, Ucluelet, Tofino, Langley, White Rock, Ladner, Tsawwassen, Abbotsford, Mission, Chilliwack, Surrey, New Westminster, Kelowna and Princeton.