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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

Barbara C.

Barbara C.

April 08, 2020
I received great service from Maggi under difficult conditions. She answered all my questions and did an excellent job of explaining what steps I needed to take to complete the forms digitally.
Linda M.

Linda M.

April 07, 2020
We normally deal with another agency for our ICBC needs however, they never did get back to us. I read your notice at the Harbord Office in Sidney and called the number.  The automatic message directed me and within seconds, I was connected with the Sherri Paulsen who guided us through the online process to get our motorcycle insurance. It was completed within 10 minutes. Thank you Sherri for the pleasant service. We will be using your services from now on
Carro P.

Carro P.

April 06, 2020
These are difficult times we are all going through right now and I was concerned about renewing my car insurance as it was coming due.  With the help from Heather I was able to get it renewed without any difficulty.  I appreciate the help she gave me in doing this transaction.
Jeff G.

Jeff G.

April 04, 2020
I have to say that my wife and I have always been treated with great attentiveness and good nature throughout our many years—decades now I believe. I truthfully have observed that your staff have always been at the minimum, in good humor but often, we’ve had very humorous and mutually rewarding discussions. I can’t recall ever having a pushy or rushed session with any of your agents. My phone conversation with Greg Ryan yesterday to renew my car insurance was no different. In fact, Ryan was particularly patient and clear with respect to my first time of renewing over the phone. We also had some great humorous exchanges.   So indeed, the demeanor and attentiveness of your staff is the main reason we have always stayed with your company.
Cindy D.

Cindy D.

April 04, 2020
Considering the craziness that we are currently experience I have to say this was a very good, easy experience. Thank you for renewing my insurance without stress.
Randall Turner

Randall Turner

5
March 13, 2020
I had a great experience with Insurance Broker Nicci Simon at Harbord Insurance. She met and exceeded all my needs and expectations. She was very prompt to answer all of my questions and even answered multiple phone calls when I had further inquiries. She had a great knowledge base and was very professional. Have l recommend her to friends and family and would recommend her to anyone looking for a good Insurance Broker.
Kat Thompson

Kat Thompson

5
March 02, 2020
I have recently transferred my insurance service needs to Harbord Insurance. Kyla Tahouney has been a dream to work with...professional, personable and quick to reply with an excellent rate. It's been a seemless transition to greater service. Thanks.
Gerry S.

Gerry S.

April 04, 2020
The recent transactions we had with Ashley Kerr were exceptional. She was able to handle the transactions in a friendly and knowledgeable manner. Keep up the great work.
Dan N

Dan N

5
March 01, 2020
I was in to see Holly for my auto insurance and it was a very professional and quick transaction. She was knowledgeable and was able to answer all my questions confidently. I recommend the Sidney location to all my friends and family! Every time i have come into this office I have had great customer service.
Mark T.

Mark T.

April 07, 2020
Service was excellent. Heather was amazing. Pleasant and professional. Made it easy.

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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