Personal Car Insurance

Car Insurance does not need to be complicated!

While the Basic ICBC Autoplan coverage is mandatory in British Columbia, we have coverage options with ICBC as well as Private Auto Insurance carriers. Our expert auto insurance advisors are here to make it easy to understand your coverage options and will work closely with you to provide the best options for your specific needs. Please call our office or send us an email and one of our experienced brokers can assist you.

Are you entitled to car insurance discounts?

Auto discounts available:

  • Disability
  • Autonomous Emergency Braking (AEB)
  • Low Kilometer Discount (available for drivers who use their vehicles less than 5000 km’s per year)
  • Credit Consent Discount
  • Additional Fleet Discounts for businesses with 5 of more motor vehicles

Find out easily by contacting our office

As of September 1st, 2019, ICBC moved to a system that is more driver-based. That means driving experience and crash history will play a bigger role in determining your Basic Insurance premiums. Under the new rating model, Basic insurance premiums will be determined by a number of factors that fall under two categories: the driver and the vehicle.


The driver who is listed on the policy and the driving experience and crash history of those listed drivers will affect the policy premium under the new rating model. It also considers whether the driver is a senior, learner or new resident. Call us for more information in regards to listing drivers on your policy and how this could impact your policy. This is the most significant change for insureds under ICBC’s new rating model.


The vehicle category focuses on where you live (territory) and how you use your vehicle (rate class), along with new discounts for low-mileage drivers and those with advanced safety technology. Call us for more information about factors that affect premiums in regards to your vehicle category.