WE SPECIALIZE IN OPTIONAL PRIVATE AUTO INSURANCE

INSURANCE MADE EASY

WE SPECIALIZE IN OPTIONAL PRIVATE AUTO INSURANCE

INSURANCE MADE EASY

Your ICBC Autoplan and Private Auto Insurance Experts

With on average 960 automobile crashes occurring in BC each day, making sure that you have the proper auto insurance coverage for you and your family is a must. Our experienced agents will find out the best coverage for you and can help you find out if optional private insurance is right for you.

Auto Insurance

BASIC AUTOPLAN

The required insurance to have on your vehicle in British Columbia

Optional Auto Insurance

ICBC OPTIONAL INSURANCE

ICBC optional products so you can choose the best level of protection for yourself.

Private Optional Auto InsurancePRIVATE OPTIONAL INSURANCE

Non ICBC optional products so you can choose the best level of protection for yourself

PRIVATE AUTO INSURANCE - WHAT IS AVAILABLE

With private auto insurance through Family Insurance Solutions and Intact Insurance, you can expect coverage for the following:

Extended Liability

Extended liability increases the limit to which you are covered in the event you cause a crash and other motorists make claims against you for damages to their vehicles or for injuries they sustain as a result.

Excess Underinsured Motorist

Basic underinsured motorist coverage protects you if you're involved in a crash made by another motorist, but they cannot cover the entirety of the claims you make against them. With excess underinsurance motorist coverage, the limit to which you're covered if they can't pay out your claim is increased.

Collision

Collision coverage will provide you with financial cover for the repair and replacement costs of your vehicle, even if the crash that caused the damage was your fault. Along with repairs and/or replacement, collision coverage may also cover costs for towing and vehicle storage, if necessary.

The premiums or deductible you pay with collision coverage can depend heavily on your driver history. If you have a history of at-fault collisions, premiums and the deductible will typically be higher, whereas they will be notably lower if you have an exemplary driver history.

Comprehensive Cover or Specified Perils

You can choose to cover your vehicle for other risks beyond on-road collisions with comprehensive coverage or specified perils. Comprehensive covers a wider range of perils, but costs more. Specified perils focus on the most common perils and causes of vehicular damage, and tends to cost less.

  • Theft (comprehensive and specified perils)
  • Vandalism (comprehensive)
  • Fire, earthquakes, and explosions (comprehensive and specified perils)
  • Falling or flying objects – for example, rocks or gravel that hit your windshield (comprehensive)
  • Damage if you hit a domestic or wild animal (comprehensive)
  • Weather conditions that include lightning, windstorms, hail, rising waters (comprehensive and specified perils)

Limited Depreciation

Available to all drivers, limited depreciation covers you both in the event your new vehicle is need of repairs or has to be replaced. If your vehicle is written off, the policy will provide you with either a) a new vehicle of the same year, or b) a payout of the original purchase price/suggested retail price at the time of purchase - whichever is less. If your vehicle can be repaired, new parts of similar kind and quality to those originally in your vehicle will be used.

Replacement Cost

Replacement cost, as with limited depreciation coverage, is primarily for new vehicle owners. If your vehicle is damaged or written off, replacement coverage typically offers the following:

  • New parts from the original manufacturer (if possible) if your vehicle can be repaired after a crash
  • Protection from depreciation and inflation if your vehicle has to be written off
  • A choice to replace your vehicle, or to get a cash payout

Along with all of the above, the private auto insurance on offer also includes roadside assistance and other VIP perks, ensuring you'll never be left in a bad situation should your vehicle break down. To find out more, get in contact with AMC Insurance today.

Auto Insurance

 

Get Your FREE Insurance Quote Today!

To get your free insurance quote, contact us online or call us at 1-855-554-1767. We are here to help you with all of your insurance needs.

ARTICLES AND RESOURCES

Have questions?  Browse through our selection of resources from the listed categories.  Check back regularly as we will be adding more articles weekly.