Automobile

This is the time of year to come see us about our:

  • Private Motorcycle insurance; or
  • ATV Program – Trail Bikes and Snowmobiles – includes liability for forestry roads with Premiums starting at $100 for the year, with optional coverage for physical damage including theft.

Download details about our new Motor Club Roadside Assistance Membership package here.

We have access to the Private Motorcycle insurance offered through Megson Fitzpatrick, Beacon Underwriting and Oasis Insurance; these programs include coverage for physical damage for your motorcycles and ATVs, Trail Bikes and Snowmobiles with optional liability coverage and very competitive pricing.

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Aviva Elite’s Holiday Trailer Program

Enjoy the freedom of the open road and have peace of mind in your recreational trailer by choosing your customized insurance coverage through Aviva Elite’s Holiday Trailer Program. Be it a recreational trailer, 5th wheel, truck camper or tent trailer, you’ll receive quality coverage at a competitive price.

Highlights of coverage available include:*

  • Low deductible limits
  • Personal property coverage
  • Detached structure coverage
  • Emergency vacation expense
  • Golf cart and fire department charges included
  • Full-timers coverage available
  • Guaranteed replacement cost and replacement cost options available

* limits and coverages may vary depending on the options purchased

Aviva Elite’s Hagerty Collector Vehicle Program

Discover why Hagerty provides coverage for more collector cars than anyone in the world.

  • Agreed Value Coverage – In the event of a covered total loss, your client receives every cent of their car’s insured value.
  • Low Rates – Our specialty program rates are typically much lower than standard-use policies.
  • Flexible Usage – We encourage pleasure use.
  • Deductible Options – Tailor a policy to your needs and budget.
  • No appraisals – Tired of appraisals? Good news: In most cases, Hagerty doesn’t require one.
  • Multi-Vehicle Liability Discounts – Collectors pay less for liability coverage.
  • Repair Shop of Choice – Select the repair shop you want or fix it yourself.

Basic Requirements for Automobile Insurance

Basic insurance is the minimum liability insurance coverage that a vehicle owner must purchase from the Insurance Corporation of BC (ICBC) before operating a motor vehicle on a BC highway. In British Columbia, the minimum third party legal liability coverage is $200,000 for each vehicle. Taxis and limousines require $300,000; buses $500,000.

Coverages include:

  • third party legal liability;
  • “no-fault” accident benefits;
  • under insured motorist protection (UMP);
  • protection against uninsured and unidentified motorists; and
  • inverse liability overage.

Optional Automobile Coverages

Optional Autoplan insurance includes a variety of additional coverages that a vehicle owner may purchase. The most common Optional Autoplan coverages are:

  • extended third-party legal liability;
  • collision;
  • comprehensive;
  • loss of use;
  • replacement cost/limited depreciation;
  • Roadstar package;
  • Roadside Plus package; and
  • increased under insured motorist protection (UMP).

If you have more than 10 years driving experience and a good driving record, a private carrier may provide better value for your optional coverages. Contact us to see if private auto insurance is right for you.

ICBC bases your premium on a variety of factors:

  • principal operator’s driving experience;
  • territory of operation;
  • location of the vehicle when not in use;
  • use of the vehicle (pleasure only, business, artisan, etc.); and
  • applicable discounts.

Current and true information about these factors must be provided when purchasing a new plate or renewing an existing plate. Failure to provide accurate information could result in denial of a claim.

A full line of commercial automobile ratings (such as fleet rating and prorate plates) is also available through ICBC.

For further information or expert advice on your automobile insurance needs, please contact us. We look forward to serving you.