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Private Car Insurance

Everyone in B.C. is required to purchase their Basic Autoplan Auto Insurance from ICBC. However, it may also be possible for you to purchase additional coverage through Harbord, increasing your protection and giving you peace of mind.

The most popular private car insurance policy in BC is AutoCover, which offers drivers better coverage, including lower deductibles, emergency roadside assistance, and loss of use. Additional protection is also available for collision, excess liability, and comprehensive coverage.

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Serving All Regions of British Columbia

Harbord provides a comprehensive private auto insurance package called AutoCover across B.C. There are two choices available to you as the policy owner.

Vancouver Island

Vehicle Types Covered:


  • Vacation Trailers

  • Motorcycles

  • Light Commercial Vehicles

  • Classic Cars

  • Commercial Fleet

  • Off-Road Vehicles

AutoPlus

Is the all inclusive branch of AutoCover, which includes everything that we offer. Because this option includes all of the available protections, we can provide this extended coverage at a discounted rate. The AutoPlus package contains all of the following:

  • Roadside assistance
  • Replacement vehicle costs on cars up to 3 years old
  • Optional limits for Third Party Liability
  • First Accident Forgiveness
  • Collision and Comprehensive
  • $1200 coverage for Loss of Use of your vehicle and Travel Protection
  • Rental Vehicle coverage for any vehicle in North America
  • Lock Protection
  • Under-insured Motorist Protection at $2 million
  • Destination Protection

AutoStandard

AutoStandard is for vehicle owners who wish to be selective towards the specific options that they want in their extended coverage. We see this occurring when applicants have rental car protection or collision and comprehensive already covered under their existing policy. AutoStandard allows you to pick and chose which specific policies and limits you feel meet your specific needs and budget.

What our Clients are saying

Nadine D

Nadine D

November 01, 2019
For many years we have gone to Coast Capital but found them to be very disinterested in our business when I went with my Mom to renew her insurance last week. They didn't even give her a new number as her car was in for repairs when the insurance expired.  I thought I would try you guys, as I have my house insurance with you. The lady was totally awesome! Every year are insurance seems to go up - this is is the first year it has gone down. My mom checked out both ICBC alone and ICBC with the private insurance, which was cheaper for us. Our broker was knowledgeable and kind. I have told my sister and nephew already to go see you guys - I will recommend you to others.
Marcella Leigh

Marcella Leigh

5
September 18, 2019
My husband and I been to this office now twice for our insurance needs. Ladies we have dealt with are always tip top knowing their stuff and we are in and out! One even pointed an error for ICBC they found and told us how to correct it. Best place to use considering we changed from West Shore to this place due to how great the staff is and how helpful, we now use for personal and company use.
Caleigh Metzak

Caleigh Metzak

5
September 05, 2019
I went to the Sidney location of Harbord Insurance and had Stephanie help me, she was fantastic to say the least! Explained everything thoroughly, took her time with me and even compared prices for 6months vs 1year. With the new ICBC laws in effect, she helped explain those and knew her information very well. I was impressed with the service I received at Harbord Insurance and will definitely recommend it to others!
Ed I

Ed I

October 24, 2019
I went into your office in Sidney to renew my vehicle insurance.  I was immediately met with a very pleasant Teresa who looked after me.  She was knowledgeable, efficient and most informative and made me feel welcome throughout the business process.  I also was directed to Stephanie when I concluded my vehicle insurance, as I wanted to shop around for prices for our hobby farm in North Saanich.  She to was most pleasant and professional to deal with! My compliments to your staff at your Sidney branch - well done!
Lynn Falco

Lynn Falco

5
September 12, 2019
Charlene Reinholdt helped me register and insure my car from out of province. She was extremely personable, rational, helpful, funny, etc. She really seemed to want us to get the best rate and the best coverage for our needs. Overall, she made a stressful experience pleasant, and I would 100% wholeheartedly recommend her! 10/10, A+, 5-star service 🙂 Give this woman a raise!
Gerry L

Gerry L

September 13, 2019
Coming from Ontario, I needed information and guidance to buy, register and insure my first BC car.  My Harbord agent was terrific!  She had information at her finger tips, was cheerful and very helpful.  She made my introduction to BC's way of doing what can be a tedious process into a very quick and enjoyable one .  Even though we arrived very near closing time, she was keen to help. Thank you!
Ed I

Ed I

October 18, 2019
I went into your office in Sidney to renew my vehicle insurance.  I was immediately met with a very pleasant Teresa who looked after me.  She was knowledgeable, efficient and most informative and made me feel welcome throughout the business process.  I also was directed to Stephanie when I concluded my vehicle insurance, as I wanted to shop around for prices for our hobby farm in North Saanich.  She to was most pleasant and professional to deal with!
Bev L

Bev L

September 13, 2019
I was very satisfied with the visit to renew my vehicle insurance.  The young woman who processed the renewal was efficient and very helpful in explaining the features of my plan.  Good service which was completed in a timely manner. Thank you!  
Gene Mazza

Gene Mazza

5
August 16, 2019
I have been with Harbord since 1985 or so and have always found the Company staff and service friendly, very well informed, speedy and when I did have one claim many years ago you and your under writers provided me with an excellent response. I recently introduced a friend to your office for a second quote on property insurance and they were so satisfied with your knowledge and service that they have now switched all their insurance policies to Harbord. Thank you for the years of service.
Darren Duffey

Darren Duffey

5
September 03, 2019
I used to use Harbor a lot when I lived in this neighbourhood. I've recently used them again and Kim was so helpful. She got me a quote from a private insurer for my motorcycle that was very reasonably priced. Thanks again!

Our People!

We only hire qualified auto insurance experts with ‘can do’ attitudes who sincerely love their work. They will work with you to try and help lower your premiums.

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