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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 ICBC Basic Autoplan Insurance. Most drivers also choose to increase their coverage with either ICBC Optional Insurance or coverage from another insurance provider.

Our insurance experts will be happy to answer any questions you may have and help you decide what coverage is best for your insurance needs. Call or visit a Sussex Insurance office near you.

  • ICBC Basic Autoplan
  • Stratford Private Auto
  • ICBC Basic Autoplan

    As of May 1st, 2021 drivers in British Columbia now fall under the new ICBC Enhanced Care insurance model.

    Enhanced Care is a new insurance system intended to provide more affordable coverage and the care you need if you’re involved in a crash.

    Here’s what’s changed:

    If you have any questions on these changes, contact a Sussex Insurance office and one of our agents will be happy to help you.

    For a more in-depth and detailed explanation, visit ICBCs Enhanced Care web page.

  • Stratford Private Auto

    Stratford Saves!
    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.

    Basic Insurance
    B.C. motorists are required by law to purchase basic Autoplan insurance through the Insurance Corporation of British Columbia (ICBC).  Effective May 1st, 2021, ICBC now provides Enhanced Care insurance coverage. For more information on the benefits provided, contact your nearest Sussex Insurance location.

    Optional Insurance
    Thankfully, you have more options than ICBC when it comes to protecting your vehicle, your family and yourself with optional auto insurance. So, what exactly is optional insurance? While not required, it gives you peace of mind through a wide range of additional or supplemental coverages for just about anything that could go wrong on the road. Here are the types of optional insurance available to you through Stratford:

    • ExcessThird-Party Liability – Up to $4,800,000
    • Collision (Vehicle Repair)
    • Comprehensive:
      – Broken/Cracked Windshield
      – Vandalism
      – Theft
      – Fire
      – Animal Impact

    Additional Protection

    • Accident Forgiveness Protection
    • Concierge Service
    • Excess Underinsured Motorist Protection – up to $4,000,000 additional coverage
    • Personal Articles Coverage
    • Replacement Cost Platinum
    • Limited Waiver of Depreciation
    • Gap Protection
    • Recreational Motorhome Coverage
    • Recreational Travel Trailer Coverage
    • Stratford Assist:
      – Loss of Use
      – Rental Vehicle
      – Travel Protection
      – Emergency Family Transportation
      – Lock Re-Keying and Re-Coding
      – Theft and Fire Deductible Waiver
      – Destination Support
      – Emergency Roadside Protection


    Get More. Save More. With Stratford Private Auto!
    Stratford is proud to give you better options on optional that save you money. In fact, more than 80% of British Columbians may save with driving experience, or with an easy-to-use smartphone app that promotes safe driving – and only rewards you for good driving behaviour. With hundreds of vehicle accidents and other perils occurring in the province every day, you need the right protection. Here’s how you can save with Stratford:

    • Driving experience
    • Vehicle safety features
    • Hybrid-electric or electric vehicles
    • Many of our preferred body shops provide Stratford customers with a 10% discount

    Have questions on Stratford Private Auto?
    Call or visit a Sussex Insurance office near you for more information, or fill out the Stratford Online Quote Request Form to see if you qualify for a discount!