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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
    Motorcycles
  • Commercial van icon
    Light Commercial Vehicles
  • classic car icon
    Classic Cars
  • Commercial truck icon
    Commercial Fleet
  • 4x4 truck icon
    Off-Road Vehicles
A hearty smiling mechanic

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

Kaz S.

Kaz S.

August 11, 2022
I had a great experience renewing our automobile insurance over the phone. Ashley Kerr was very helpful, friendly, and informative, especially reminding me that decals are no longer necessary, too.
John Y.

John Y.

October 06, 2022
The agent that I dealt with was Alyssa Schmautz and I felt that she was extremely patient, knowledgeable, and sensitive to our unique needs. She helped us come to the conclusion that because of our present non-fault, water-damage claim with Harbord and CNS, and our inability to use our condo (everything had to be removed), that the best for us was to put storage insurance on our car until we have a better handle on where we our headed. Alyssa should be commended for her excellent interpersonal skills and her other fine attributes that I list above
Deanna M.

Deanna M.

October 06, 2022
When I contacted your Office Sept. 8, 2022, it was to renew my car insurance and I spoke to Josiah Baran an Auto Insurance Trainee.  He was wonderful and pleasant helping me with getting my car insurance online.  I am a Senior and I am not a "Techie" one!  However, I do try. I must say Josiah was so patient, therefore I was very comfortable talking with him.  I am wishing him Good Luck!
Valerie H.

Valerie H.

October 04, 2022
I was in the Victoria location (cloverdale) yesterday. Im a new resident to B.C and didnt even know where to start when registering my vehicle! (The system in ONT is very different) I was helped by Lily (Lilianne?) And I couldnt possibly be happier. She made the process smooth, seamless & positive. As she is in training, I would like to thank her coworkers for helping out when need be. What a great team. A positive, lovely experience. She is a great asset to your team. I will be sending my fiance your way with his insurance needs also. (As well as singing your praises if anyone is looking to work with a new broker!) My thanks to Harbord & to Lily,
Doug C.

Doug C.

October 03, 2022
I recently dropped into Harbord’s Sidney office to get information about registration and insurance for a vehicle I am buying in Alberta and transporting to Sidney. Krishan was very knowledgeable and was careful to make sure that I understood what was required at each step of the process. He sold me temporary binder insurance and explained the requirement for an Alberta transit certificate and a BC safety inspection. He also provided me with a quote from Family Insurance for permanent insurance when the vehicle arrives in Sidney. He did an excellent job and was professionally friendly through the whole process. Definitely a representative that reinforced the Harbord reputation for knowledge, friendly service. 10 out of 10!
Kim B.

Kim B.

October 01, 2022
This is the second year I’ve used Harbord’s service to phone in and renew my ICBC car insurance. Last year Misty assisted me as was first rate, compassionate and provided exceptional service. This year, Tyler Welch assisted me and also provided first rate service. The transaction was completed quickly and seamlessly, and he took the time to inform and answer my questions. You have a great team of people working the ‘front line’.  I’ve shared my experience with friends and colleagues - hopefully this brings you more business. Please share my appreciation. Thanks and keep up the great service!
Colleen O'D.

Colleen O'D.

September 28, 2022
I have just returned from a 4 day visit to Saltspring Island to see this email from Harbord Insurance. Nadia Perreault renewed my car insurance on Tuesday, September 6, 2022.  I found Nadia friendly, personable and very professional in her approach. I would recommend Nadia Perreault to other customers as her service was excellent.
Ina

Ina

September 25, 2022
The folks at Harbord in Sidney are great. Good customer service. No complaints at all. Thanks to all of you
Lisa W.

Lisa W.

September 22, 2022
I was so easily and professionally greeted when I phoned in to renew insurance for my little Honda scooter. Ms Coralee Boyce helped me and was efficient, quick, and friendly....please let her know !!
Shad R.

Shad R.

September 21, 2022
I just wanted to say that Ruben Faasse was an absolute gem to deal with and his customer relations were on point.

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