Auto Insurance Coverage

Auto Insurance Coverage

Here’s a closer look at the Auto Insurance coverage we can deliver.

We offer a wide variety of auto insurance products through ICBC or private insurers that are flexible, comprehensive and can be tailored to your situation. Speak to an Allwest agent who can assist you with all of our auto insurance questions, needs, and fulfillment.

Individual driving factors and history now impact your insurance premiums. An Allwest broker will be able to help you understand how your insurance premiums are impacted by your driving history, vehicle use, any prior at fault accidents and the people who will be listed as drivers for your vehicle,

What Kind of Vehicles Do We Insure?

At Allwest, we can insure almost any vehicle for you. Whether it is a personal or commercial vehicle, recreational vehicle, travel trailer, ATV, collector car, high value vehicle, motorcycle, fleet or you need to store you vehicle for a while, we have it all. We can even assist with importing vehicles to BC or sale and transfers as well as personalized plates.

Collision Coverage

Even the best drivers make mistakes, and auto repairs and replacement can be expensive. Collision coverage helps pay for your vehicle repairs, towing, storage and more, when you are at fault for your accident.

Comprehensive Coverage

Vehicles are at risk of more than crashes. Other losses or damage to your vehicle can come from chipped windshields, theft or vandalism, weather related damage or hitting a wild animal. Your comprehensive coverage provides the protection you need to repair your vehicle.

Extended Third-Party Liability Coverage

If you are at fault in a crash, it could cost you a lot. Your Basic Autoplan insurance includes up to $200,000 in Third-Party Liability coverage, but costs could go much higher, and you could be responsible for the difference. Third Party Liability insurance protects you from liability for damages, lost income, legal expenses, care expenses (and more) for the other driver and their passengers if you’re found responsible for a crash. You can choose from a variety of limits that meet your needs and budget.

Loss Of Use

This coverage provides access to a rental vehicle of like kind while your vehicle is being repaired or you are offered a settlement as the result of a covered claim. To qualify for loss of use, you must carry collision and comprehensive.

Underinsured Motorist Protection – UMP

Underinsured Motorist Protection increases the protection provided under your Basic Autoplan if the other driver doesn’t have enough insurance, by covering things like medical costs, rehabilitation, and lost wages. It will even cover you in the event you are injured while you are pedestrian, cyclist or in a vehicle other than your own. You can buy up the coverage to protect yourself when other drivers are under insured.

Note: Underinsured Motorist Protection coverage doesn’t apply to crashes in provinces or states where the law doesn’t allow you to sue and recover damages for injury or death caused by a vehicle crash.

Private Auto

We also offer a variety of private auto carriers that offer the same type of optional insurance that ICBC offers. However, in certain cases, private auto coverage can be enhanced or benefit you depending on your age, driving history and vehicle use. Also, if you have your home insurance with your private auto carrier, there may be an opportunity to bundle your coverage and save.

Additional Coverage Available through ICBC or Private Insurance

There are many insurance options and products that our AllWest experts can deliver for you, including:

  • Garage and Fleet – For business-owned vehicles, fleets, and personal collections.
  • New Vehicle Protection – Protects the full value of a new vehicle against a possible write-off crash for a pre-determined time period
  • Storage Coverage – Provides coverage for damage related to the storage of a vehicle.
  • Rate Group 98 – For luxury vehicles.
  • Road Side Plus and Road Star – Enhanced protection options and coverage to protect you while driving.
  • Young Drivers – Add-on coverage that permits young drivers to operate your vehicle while learning to drive.

Terms and Conditions apply to all coverages and coverage limits and eligibility vary.

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