Auto insurance in BC covers your vehicle and protects against risks like accidents, theft, and third-party liability, ensuring safe and compliant driving.
Jump To Section:
What Is ICBC Auto Insurance?
This insurance covers mandatory basic Autoplan insurance and optional additional coverage such as collision, comprehensive, and third-party liability, tailored to BC drivers’ needs.
BC auto insurance covers third-party liability, accident benefits, and vehicle damage through the mandatory ICBC Basic Autoplan. Optional coverage can include collision protection, comprehensive coverage for non-collision damage, extended liability, and specialized protection for luxury or collector vehicles. These options help ensure comprehensive protection for various scenarios, from at-fault accidents to natural disasters.
The amount of auto insurance needed in BC depends on various factors, including vehicle value, driving history, and personal risk tolerance. The required basic liability starts at $200,000. Depending on vehicle usage and personal needs, extended coverage up to $5 million is available. It’s advisable to consult with an insurance broker to determine the appropriate coverage for your specific situation.
Commonly Asked Questions
Basic coverage, mandated by the government, includes third-party liability, accident benefits, and underinsured motorist protection. Optional insurance, like collision or comprehensive, offers added protection.
Yes, you can add optional coverages, such as collision, comprehensive, and rental vehicle coverage, to tailor protection to your needs.
Discounts vary but may include safe driver discounts, multi-vehicle discounts, and loyalty savings. Check with your provider for specific discounts.
New and young drivers may pay higher premiums but could qualify for savings with safe driving and through graduated licensing programs.
The process involves reporting the incident, providing documentation, and having your insurer assess damages. They guide you through repairs or settlements.
Optional rental coverage can be added to your policy, which protects you while driving a rental car. Borrowed car coverage varies; check with your insurer.
Adding a secondary driver may increase premiums, especially if they are a new driver, but it can also help ensure coverage when they drive your vehicle.
Premiums are based on factors like driving history, vehicle type, coverage level, location, and the primary use of the vehicle.
Begin with your information to get a detailed insurance quote.
We’ll gather your personal or business information through our secure form to create an insurance quote just for you.
Review coverage choices from different providers and choose the best one.
We’ll guide you through comparing insurance options, helping you select the plan that best matches your coverage needs and budget.
We’ll help you secure your policy quickly, providing immediate access to your documents and full dedicated support.
Our team of experts specializes in home, auto, business, life, travel insurance, and more, providing you with tailored guidance to ensure you receive the best possible coverage.
Proudly recognized as one of the top independent brokerages in Vancouver.
Insurance Solutions for Every Need
Protect your beauty business in British Columbia with professional liability insurance, safeguarding against claims and ensuring peace of mind while you focus on your craft.
Bailee’s customer insurance protects businesses in British Columbia from liability for damages to customer property while in their care, ensuring peace of mind.
Business liability insurance protects BC companies from financial losses due to lawsuits, covering legal costs and damages for third-party injuries or property damage.
Fleet Insurance covers multiple business vehicles under one policy, protecting against liabilities like accidents, theft, and damage.
Protect your leadership with Directors & Officers insurance in BC. Safeguard personal assets and decision-making from legal challenges in today’s complex business environment.
Commercial auto insurance covers vehicles used for business purposes, protecting against liability, damages, and accidents involving your company’s cars, trucks, or vans.
Safeguard your professional reputation and finances with comprehensive Errors and Omissions insurance for any service-related risks.
Protect your business assets with comprehensive equipment breakdown insurance, covering mechanical and electrical malfunctions.
Protect your business assets with comprehensive coverage for property damage and loss.
Rental property insurance in BC protects landlords from financial losses due to property damage, liability claims, and loss of rental income.
Tenant insurance in British Columbia protects your personal belongings and provides liability coverage, ensuring peace of mind while renting your home.
Protect your home and belongings with comprehensive Home Insurance in British Columbia, ensuring financial security against unexpected damages and liabilities.
Protect your condo in British Columbia with comprehensive insurance that covers personal belongings, liability, and additional living expenses, ensuring peace of mind.
Travel insurance in British Columbia protects you from unexpected medical expenses, trip cancellations, and lost belongings, ensuring peace of mind while traveling.
Umbrella insurance in British Columbia offers essential extra liability coverage, protecting your assets against unforeseen legal claims and financial risks.
Protect your investment with comprehensive Marine & Boat Insurance in British Columbia, ensuring coverage for damages, liability, and peace of mind on the water.
Protect your RV with comprehensive insurance in British Columbia, ensuring peace of mind while you explore the great outdoors.
Inland Motorcycle Insurance in British Columbia offers tailored coverage for motorcycle enthusiasts, ensuring peace of mind on the road and during off-seasons.
Fleet Insurance covers multiple business vehicles under one policy, protecting against liabilities like accidents, theft, and damage.
Commercial auto insurance covers vehicles used for business purposes, protecting against liability, damages, and accidents involving your company’s cars, trucks, or vans.
Auto insurance in BC covers your vehicle and protects against risks like accidents, theft, and third-party liability, ensuring safe and compliant driving.
Expertly crafted insurance solutions uniquely tailored to meet your specific lifestyle and coverage needs effectively.
Leverage our local knowledge to secure insurance that's suited for British Columbia’s unique market conditions.
Explore a wide range of personal and commercial insurance products, all through one comprehensive policy.
Committed to outstanding customer service, we ensure continuous support, making your experience stress-free.
Experience savings on your premiums with our competitive pricing without sacrificing the quality of your coverage.
Our team of professionals brings 30+ years of expertise to guide you through the insurance selection process.
In partnership with top insurers, we provide robust, reliable coverage tailored to meet your unique needs.
Open daily, with extended hours across multiple locations for easy access to our insurance services at your convenience.
Getting You The Best Quote
Trusted by Our Clients
Protect your Surrey, BC home with flood insurance. Learn about costs, risks, and coverage to safeguard against unexpected flood damage.
Learn about what impacts home insurance premiums in Surrey, and learn strategies to reduce costs and maximize savings.
Lower your car insurance premiums in Surrey. Explore expert tips on coverage, driving habits, and cost-saving strategies.
+1 (604) 635 0890
office@sandsinsurance.ca
+1 (604) 319 1000
office@sandsinsurance.ca
