Your Local Surrey Insurance Brokers

Surrey Basic Autoplan

Auto insurance is a mandatory requirement for all drivers in British Columbia. The ICBC Basic Autoplan is the minimum level of coverage required by law to operate a vehicle in BC. It provides mandatory coverage for third-party liability, accident benefits, and uninsured motorist protection. These coverages are designed to protect you in the event of an accident, regardless of who is at fault. Coverage includes:

• Third-party liability coverage is the most critical component of ICBC Autoplan. It provides coverage if you are responsible for injuring someone else or damaging their property.
• Accident benefits cover medical costs and rehabilitation if you are injured in an accident/ collision.
• Uninsured motorist protection provides coverage if you are involved in an accident with an uninsured driver.

While the ICBC Autoplan provides the minimum level of coverage required by law, it is important to note that it may not be enough to fully protect you in the event of an accident. Additional coverage options, such as collision and comprehensive coverage, can provide extra protection for your vehicle.

At Goldleaf Insurance, our insurance brokers understand the importance of being protected on the road. We are committed to finding the best auto insurance policy to meet your needs and budget. Contact us today so we can learn more about your insurance needs and ensure you’re covered on the road.

ICBC Optional Insurance in Surrey

While the ICBC Autoplan provides the minimum level of coverage required by law, this plan may not be enough to fully protect you in the event of an accident. That’s why ICBC offers a range of optional insurance plans that can provide additional coverage for your vehicle and protect you against unforeseen circumstances.

One of the most popular optional insurance plans is collision coverage. This coverage is designed to protect you in the event of a collision with another vehicle or object. It covers the cost of repairs to your vehicle, regardless of who is at fault.

Another optional but popular insurance plan is comprehensive coverage. This coverage protects you against damage to your vehicle that is not caused by a collision. This can include damage from theft, vandalism, hail, or other natural disasters.

ICBC also offers additional liability coverage options to protect you in the event that you are responsible for causing damage to another person’s property or injuring someone in an accident.

Depending on your needs, there are many optional car insurance options available to you, including:

• Collision
• Hit and Run
• Income Top-Up
• Comprehensive
• Extended Third-Party Liability
• Extension Underinsured Motorist Protection
• Loss of Use
• Luxury Vehicle
• Specified Perils
• Rental Vehicle Coverage
• New Vehicle Protection

At our Surrey auto insurance office, we understand the importance of being fully protected on the road. That’s why we offer a variety of insurance options to meet your needs and budget. Whether you’re looking for basic coverage or additional protection, we can help you find the right ICBC Autoplan to protect you and your vehicle.

Private Optional Insurance

ICBC serves as the primary insurance provider throughout British Columbia; however, private insurance options are available for drivers in Surrey, BC. While obtaining an ICBC policy is mandatory for BC drivers, there are situations where additional auto insurance from a private company could be helpful.

One of the main benefits of private optional auto insurance is that it can offer higher coverage than the mandatory ICBC Autoplan. This means that if you are involved in an accident and are found to be at fault, you will have more coverage to pay for damages to the other person’s vehicle or property. And since private insurers can offer more flexibility with lower premiums, this could be a more affordable option than paying for additional ICBC coverage.

Additionally, private optional auto insurance can offer additional coverage options, such as rental car coverage or roadside assistance. These options can be beneficial if you rely on your vehicle for work or have a long commute. They can also cover a broader range of situations, including damage to personal property such as sound systems and veterinary bills for injured pets.

Finally, private optional auto insurance can offer more personalized service and support. When you work with a private auto insurance provider, you can get personalized advice and recommendations based on your specific needs and budget.

If you are looking for additional protection and coverage options beyond what is offered by ICBC, private optional auto insurance may be a good option for you. Since every policy is different, it’s important to clearly understand the details before signing any paperwork. To determine which plan is right for you, please get in touch with one of our brokers at our Surrey insurance office.

FAQ

Who is covered in a car insurance policy?

A car insurance policy typically covers the named insured, any listed drivers, and other individuals who have permission to drive the vehicle with the owner’s consent. The policy may also provide coverage for passengers and other individuals who are injured or suffer property damage as a result of an accident involving the insured vehicle.

How much does car insurance cost in BC per month?

The cost of car insurance in BC varies depending on several factors, including the driver’s age, driving record, and the type of vehicle being insured. According to ICBC, the average cost of car insurance in BC is $1,832 per year or $153 per month. However, rates can vary widely depending on the driver’s individual circumstances.

Is ICBC the only car insurance available in Surrey?

No, ICBC is not the only car insurance option in Surrey. While ICBC is the primary provider of basic car insurance in British Columbia, drivers in Surrey and other parts of the province can also purchase additional coverage from private insurance companies. Our auto insurance agents can help you explore your options.

Can you drive without insurance in Surrey?

No, driving without insurance in Surrey or anywhere else in British Columbia is illegal. All drivers must have a minimum level of insurance coverage, which is the basic auto plan provided by ICBC. Failure to carry insurance can result in fines, license suspension, and other penalties.

What type of car insurance should I get?

The type of car insurance you should get depends on your individual needs and circumstances. It’s best to speak with one of our insurance brokers to determine which auto plans are right for you. In addition to the basic auto plan from ICBC, drivers in BC can purchase additional coverage options, such as collision coverage, comprehensive coverage, and liability coverage.

Do you need insurance to rent a car?

Yes, you typically need insurance to rent a car. Most rental car companies offer insurance options for renters, but your personal auto insurance policy or credit card benefits may also cover you. It’s important to check with your insurance provider or credit card company before renting a car to see what coverage options are available to you.