Auto Insurance

Understanding Auto insurance coverage in British Columbia is important. Knowing what options are available can help you make an informed decision that will better protect yourself and your loved ones so that you aren’t out of pocket in the event of a claim.

Automotive Insurance

Whether you own an existing vehicle or you’ve just bought a new one, make sure you and your vehicle have the proper protection. No one ever starts their day thinking they will get into an accident but there are over 700 motor vehicle accidents reported in BC every day. Every driver in British Columbia is required to purchase basic Insurance with ICBC, however, you have choices for your additional optional coverages available to protect you and your vehicle.

Have Questions?
Our insurance experts will be happy to discuss and help you decide what Autoplan coverages are best for your insurance needs. Call or visit a Sussex Insurance office near you.

  • ICBC Autoplan Basic
  • Optional Coverages
  • Swerve Private Auto
  • Access Roadside Assistance
  • ICBC Autoplan Basic

    Basic Insurance provides the minimum amount of coverage legally required to operate a motor vehicle in BC

    This coverage includes:

    • $200,000 Third-Party Liability
    • Accident Benefits
    • Underinsured Motorist Protection (UMP)
    • Hit-and-Run and Uninsured Motorists Protection
    • Inverse Liability Coverage

    Third-Party Liability: Covers for bodily injury or property damage you may cause to others, and are held legally responsible for.

    • Third-Party Liability does not cover damage to property carried in the vehicle, property you own or rent, or operation of attached equipment.
    • some commercial vehicles may require a higher limit.

    Accident Benefits: Provides medical and wage loss insurance if you are injured from a motor vehicle crash.

    • This is no-fault insurance; you are covered regardless of who is at fault
    • Benefits are payable to all passengers of a vehicle licensed and insured in BC
    • applies to any named Autoplan policy holder or family member who is injured as a pedestrian or cyclist.
    • coverage extends throughout Canada, as long as they are hit by a BC-insured vehicle

    Underinsured Motorist Protection (UMP): Covers you if the at fault driver does not carry sufficient liability insurance

    • Coverage for bodily injury caused to you
    • up to $1,000,000.00 of coverage
    • included for all motorists with a valid BC driver’s license
    • saves the injured party the cost of having to personally recover a portion of the amount awarded up to $1,000,000 over the amount carried by an at fault driver

    Not included in Basic Autoplan an additional $1,000,000 in coverage can also be purchase through Excess Underinsured Motorist Protection (Excess UMP) for a total limit of $2,000,000 (see optional coverage’s)

    Hit-and-Run and Uninsured Motorists Protection: provides a total of $200,000 coverage for accidents that occur on a BC highway for property damage, bodily injury or death caused by the negligence of an uninsured or unidentified (hit and run) motorist.

    • Different from Underinsured Motorist Protection (UMP)
    • separate from the basic compulsory insurance coverage of $200,000
    • available to all residents of BC, whether or not they own or insure a vehicle or have a BC drivers license

    Inverse Liability Coverage: protects your vehicle in the event of an accident outside of BC in an area of Canada or the US where local laws will not allow you to recover losses from a driver who causes a crash.

    • pays for the cost of repairs to your vehicle, to the degree that the other driver was held responsible.
  • Optional Coverages

    You can protect yourself and your vehicle beyond the basic insurance with optional coverage available from ICBC or Private Insurance carriers. whether it’s a lawsuit, crash, theft, fire, or something as simple as a cracked windshield, optional coverage provides you peace of mind.

    Our insurance experts will be happy to discuss and help you decide what Autoplan coverages are best for your insurance needs. Call or visit a Sussex Insurance office near you.

    Extended Third-Party Liability: increased liability limits can be purchased for injury or damage you may cause to other people or their property. With the increasing size of court judgments and lawsuit settlements, many people want the comfort of extended coverage. Limits available range from $300,000 to $10,000,000.

    Collision: coverage to repair your vehicle if you are involved in an at-fault upset or collision with another vehicle, object or person. Subject to a deductible

    Comprehensive: covers loss or damage for fire, theft, vandalism and glass breakage. Subject to a deductible.

    Specified Perils: coverage for fire, theft, attempted theft and impact with animals. Subject to a deductible.

    Loss of Use: provides coverage for substitute transportation in the event of a claim for a covered loss.

    Excess Underinsured Motorist Protection (Excess UMP): provides you with an additional $1,000,000 in coverage, for bodily injury, in the event you are hit by an underinsured or uninsured motorist.

    RoadStar Package: drivers who have nine or more years without an at-fault claim and have reached a discount level of 43 percent or more may purchase this coverage. Coverages include:

    • rental vehicle
    • loss of use
    • vehicle travel protection
    • lock rekeying

    RoadSide Plus: is an affordable way to get the following eight great optional insurance coverages in one package:

    • Loss of Use
    • Vehicle Travel Protection
    • Rental Vehicle
    • Family World Wide Transportation
    • Lock Re-Keying
    • Theft Deductible Waiver
    • Destination Assistance
    • Emergency Roadside Expense

    Vehicle Replacement Protection – provides coverage to replace your vehicle in the event of a total loss or if your vehicle is stolen and not returned. ICBC offers three types of plans, contact your Sussex Insurance broker to ask them about these great coverages and which one you are eligible for:

    • New Vehicle Replacement
    • Replacement Cost
    • Limited Depreciation coverage
  • Swerve Private Auto

     

    Swerve® Private Auto, underwritten by Intact Insurance, is Sussex Insurance’s optional Auto insurance. For more information or to get your FREE no obligation quote please contact your local Sussex Insurance to speak to an Agent about your options for Private Auto Insurance coverage.

    Benefits of purchasing Private Optional Insurance through Swerve:

    • coverage can be broader or tailored to your needs
    • lower premiums depending on coverage purchased and driving experience discount
    • more discount provided for addition length of driving experience over 20 years

     

  • Access Roadside Assistance

    Access Roadside Assistance

    You never want to end up on the road alone when one of these unfortunate situations occurs. Make sure you have an Access Roadside Assistance Membership. One quick call and they will respond to help your out when you need them the most. Call or visit a Sussex Insurance location near you to inquire about this coverage or buy online.