Faq

Whether you’re running a single delivery van or managing an entire fleet, we can tailor a commercial auto insurance policy to fit your business needs. From liability protection to collision, comprehensive, and loss of use coverage, we’ll help you choose the right mix to keep your vehicles—and your livelihood—protected.

We partner with top private insurers like Intact, Aviva, and Economical to track down competitive rates. Plus, we’ll make sure you receive every possible discount, whether you qualify for fleet pricing, claims-free savings, or custom deductibles. Let us do the shopping for you, so you can focus on running your business.

Planning a move—whether it’s across the street, to a new city, or even out of province—means your auto insurance needs might change. Give us a heads up before you relocate or travel! Every province (and sometimes even different cities) has unique insurance rules and coverage requirements, so it’s important to update your policy early to avoid any headaches.

Here’s what to keep in mind:

• Notify your broker early: Let us know about your plans so we can adjust your coverage and make sure you’re fully protected, wherever your car ends up.
• Update your address: Your premiums could change when you move, since rates depend on your location.
• Travelling out of province? Check if your policy covers you outside B.C., or if you’ll need additional coverage for road trips.
• Moving out of province: Ask us about transferring or cancelling your current policy and setting up a new one in your destination. We can guide you through every step, including how to avoid any gaps in coverage.

No matter where life takes you, we’re here to keep your insurance simple and ensure your coverage always fits your needs.

Determining your monthly or annual car insurance payment is easier than you think! Simply reach out to us and we’ll walk you through a quick quote—no guessing required. We’ll factor in details like your vehicle, driving history, location, and coverage choices to give you an accurate, personalized estimate. Prefer to crunch some numbers yourself? Many insurers, including the ones we work with, offer handy online calculators that can help you get a ballpark figure anytime. Either way, we’re here to make sure there are no surprises when it comes to your premium.

Estimating your auto insurance cost doesn’t have to be a guessing game. Start by gathering details like your vehicle make and model, your driving history, and how much you’ll be driving. With this information in hand, you can:

• Use online calculators from respected insurers like Aviva, Intact, or Economical to get quick ballpark quotes.
• Reach out to us directly—our brokers will compare rates across multiple providers and show you clear price comparisons.
• Consider factors like your age, driving record, where you live, how you use your car, and any optional coverages you want to include. This all plays into your premium.

Not sure which details make the biggest difference or want a tailored estimate? Just give us a call or request a quote online. We’ll break down your estimated price and help you explore options to save.

Several key details come into play when calculating your auto insurance premium. Insurers consider:

• Your driving record: Past tickets or claims can affect your rate, but safe driving usually earns you discounts.
• The type of vehicle you drive: High-end, sporty, or luxury cars tend to cost more to insure than more modest makes and models.
• Where you live and drive: Living in areas like Surrey, Vancouver, or Port Coquitlam can change your rates due to differences in traffic, theft rates, or accident statistics.
• How much you drive: Logging lots of commuting miles each week can push your premium higher compared to occasional drivers.
• Your chosen coverages and deductibles: Adding optional coverages like Collision or Comprehensive (or setting a lower deductible) can increase your costs, but also provide extra peace of mind.
• Personal details: Age, experience behind the wheel, and even how long you’ve held your license may play a part.

Every insurer—whether ICBC or private—has their own way of weighing these factors. That’s why it pays to let a broker shop around for the best rate tailored to your situation.

Yes. To operate an ORV on Crown land or forestry roads in BC, you must carry a minimum of $200,000 in third-party liability insurance.

No. Home and auto policies almost always exclude coverage for ORVs, especially once they leave your property. You need a dedicated, specialized policy.

Not under a basic policy. We can add specific coverage for your after-market parts and accessories to ensure your full investment is protected from loss.

It is highly recommended. Keeping comprehensive coverage active protects your machine from theft, fire, or other damage while it’s in storage.

This depends on your specific policy. It is crucial to discuss who is permitted to operate your vehicle with us to ensure there are no gaps in your coverage.

Your optional ICBC coverages, like Collision, can sometimes be extended to rentals, but limitations apply. A separate rental policy is often safer and more comprehensive.

Credit card coverage is usually secondary, meaning it only pays after your primary insurance. It also has many exclusions, like certain vehicle types or rental periods.

No. Buying insurance from a broker like us beforehand is almost always more affordable and provides better, clearer coverage than the expensive daily packages at the counter.