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
  • Stratford Private Auto
  • 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.
  • Stratford Private Auto

    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.

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

    Additional Protection

    • Accident Forgiveness Protection
    • Concierge Service

    Stratford Assist

    • 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 Saves! 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 shopsprovide Stratford customers with a 10% discount

     

  • Stratford is a new, Vancouver-based underwriting agency that offers better optional vehicle insurance and savings for the vast majority of British Columbians. Thankfully, you have more options 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 Damage

    Additional Protection

    • Accident Forgiveness Protection
    • Concierge Service

    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

     

    • 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 can give you better options on optional that could 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.

     

    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

    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 Stratford Private Auto Insurance coverage.

  • 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.