Get the Best Optional Auto Insurance
Affordable private car insurance for your car, truck or motor home. Get in touch with one of our offices today.
Optional Auto Insurance
Optional Auto Insurance in BC is the portion of your car insurance that is over and above the Basic Insurance provided by ICBC. While all drivers in British Columbia must obtain their Basic Auto Insurance through ICBC, you have a choice when it comes to finding the best optional auto insurance coverage. Our offices can offer you a quote from a number of Private Auto carriers who cater to your needs and can save you money in the process.
Auto Insurance Renewal
Many drivers in British Columbia are now eligible to renew their car insurance online, provided they meet the ICBC Online renewal criteria. Those individuals with a renewal date of May 1st or later can start this online renewal process 45 days prior to their existing policy expiring.This process is entirely new in BC, as it marks the first time that ICBC policy holders can renew their car insurance online at their own convenience. However, rest assured that as your broker, we are still here to assist you every step of the way. We’ll be reviewing your renewals and answering your questions when you need us to. We’ll make sure your coverage matches your insurance needs.
How Do I Get Auto Insurance in BC?
We have 80 office locations throughout BC that offer ICBC insurance. With most open 6 or 7 days a week, that means there’s always a location nearby to assist you. We also have a number of offices that offer delivery services, so you don’t even have to leave your home to get your car insured.
Optional Auto Key Features
All of our InsureBC offices offer affordable private car insurance coverage for your car, truck or motorhome through either Family Insurance or Intact Insurance; both significant Canadian insurance companies.
There may be some definite benefits to selecting a Private Optional Auto insurance carrier. While these benefits will not apply to everyone, they could include:
Lower Premiums
One of the most important things to consider when shopping for insurance is cost, which is why lower premiums can be a game-changer for many drivers. We can help you save hundreds of dollars each year on your coverage.
Enhanced Roadside Assistance Coverage
When you’re out on the road, unexpected events can happen. With this feature, you can have peace of mind knowing that you have access to reliable and timely assistance in case of a flat tire, battery jump-start, lockout, or even towing?
Better Deductible Options
By choosing an insurance provider that offers better deductible options, you can customize your policy to fit your specific needs and preferences.
First Accident Forgiveness
Accidents can happen even to the best drivers. With this coverage, you can potentially avoid a premium increase after your first accident. This feature can be especially helpful for new drivers who are still building up their driving record
Broker Assistance During the Claims Process
Dealing with the aftermath of an accident or other unexpected event can be stressful and overwhelming. However, with this feature, you can have a dedicated agent who can provide assistance and guide you through the process, answer your questions, and ensure that you get the coverage you need.
Customer Testimonials
At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.
My agent was great-helped me through the online application and answered promptly when I emailed in forms or had a question. Thanks again
Had such a great experience. They helped me with everything with my ICBC plan from the beginning to the end
Fast, smooth transactions for vehicle insurance. Very friendly and professional staff.
I was purchasing a car and having my insurance swapped over. They made it so easygoing and had the best insurance broker I have ever dealt with. I’ll continue to use their expertise when renewing my policy annually. Thank you!
Tips & Tricks
Check your ability to afford a new vehicle
It’s important to check your financial situation in the event that your car is totaled. How much will you need to pay out of your pocket, and can you afford to do so?
Think about the likelihood of your vehicle being totaled
Typically, a vehicle is considered written-off when it would cost more to repair it than what the vehicle is worth. While you hope it will never happen to you, there may come a day that your vehicle is involved in a collision and is beyond repair. If it were to happen, you should understand the impact it will have on you and your potential insurance payout.
Determine the value of your vehicle after depreciation
Find out the value of your vehicle after depreciation so you have an idea of the difference between how much your primary insurer would pay out and what you would be responsible to pay out of your own pocket.
Understand the cost of New Car Replacement Insurance
The cost of new vehicle replacement insurance varies by insurance company. Our New Car Replacement insurance is priced competitively and gives you affordable coverage. While costs vary, most of our customers pay significantly less than what they would have paid with competing providers, such as ICBC.
Build your claims-free discount
Most insurance carriers provide discounts to those who have gone several years without experiencing an insurance claim.
Paying annually
Paying annually for your premium typically offers savings over monthly financing.
Build your claims-free discount
Most insurance carriers provide discounts to those who have gone several years without experiencing an insurance claim.
Improve your home security
Make your property more secure with a monitored burglar alarm system. Many insurance carriers will offer you a home security discount as a result.
Pay annually
Paying annually for your premium typically offers savings over monthly financing.
Frequently asked Questions
What is Income Replacement benefit offered by ICBC?
The Income Replacement Benefit offered by ICBC is a part of the Enhanced Accident Benefits, designed to assist British Columbians injured in a crash who are unable to work due to their injuries. This benefit replaces the previous system where lower benefits were provided, and the non-responsible party had the option to sue for additional lost wages. Now, with Enhanced Care, individuals receive 90% of their net income as wage loss replacement, up to a maximum of $113,000 in annual gross income, in regular, non-taxable payments. This benefit is available for as long as medically needed and is accessible to those injured in crashes in Canada or the U.S. It's important to note that any income replacement received from other sources like employer benefits or Employment Insurance will be deducted from the ICBC payment. The benefit is intended as a temporary measure to support income loss during recovery, with different provisions for severe injuries and transitioning to retirement benefits at retirement age. For a comprehensive understanding, please refer to the full bulletin provided by ICBC: Income Replacement Benefit Bulletin.
How do I renew your license, or book a road test?
Visit the nearest ICBC Service location to you.
How do I know if Private Auto Insurance is for me?
Get in touch with one of our 80 Autoplan locations who can assess your individual situation and help you determine whether a Private Auto Insurance carrier is for you. We’ll give you a number of car insurance quotes so that you can be sure you’re getting the best possible deal. Our offices can also assist you in obtaining a quote for your home insurance, travel insurance, business insurance and a number of other insurance products. Regardless of the insurance company, we will get you the most comprehensive coverage at the lowest possible price.
How much does Optional Auto Insurance cost in BC?
Similar to your Basic ICBC Auto Insurance, the cost for Optional Car Insurance depends on a number of factors, including your age, driving experience, the type and use of your vehicle, the limit of coverage you purchase and the size of the deductible you select. The higher your deductible, the lower your annual premium and vice-versa. Let one of our Autoplan agents assist you with getting an accurate quote for the most suitable insurance coverage.
Does being in a car accident affect my car insurance premium?
For an estimate, the impact of an at-fault claim will have on future Autoplan premiums, visit the premium impact estimator.
Looking to File a Claim?
Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.
