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Private Car Insurance

Everyone in B.C. is required to purchase their Basic Autoplan Car 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:

  • RV icon
    Vacation Trailers
  • Motorcycle icon
  • Commercial van icon
    Light Commercial Vehicles
  • classic car icon
    Classic Cars
  • Commercial truck icon
    Commercial Fleet
  • 4x4 truck icon
    Off-Road Vehicles
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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 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.

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As a motorcyclist, you are more vulnerable on the road than drivers of passenger vehicles. Motorcycles are small, making them less visible to other vehicles. On a motorcycle you also lack the extra protection of a seatbelt and airbags. Not only this, but in BC motorcycle accidents increase in the spring and summer and unfortunately […]

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Driving in winter conditions can be intimidating, so we’ve come up with a guideline to help you drive with confidence during these wet winter months! Prepare Yourself and Your Vehicle The first step to ensure a safe winter drive, is to prepare both yourself and your vehicle. We strongly recommend going through this checklist before […]

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