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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

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.
Vince Blankenborg

Vince Blankenborg

5
August 13, 2019
Friendly , Fast and Knowledgeable!! After several poor experiences at my previous agent in Brentwood Bay, I took my ICBC business to the Harbord insurance agent close to my office on Cloverdale where I had previously purchased house insurance. It is pleasure dealing with both competent and friendly people here. Whether it is Nicci answering questions about my house policy renewal or Kim who helped me recently with insurance for a wedding and answering questions about changes to ICBC in September, both make paying for insurance a more pleasant experience. This one stop office also has sufficient staff so they are available to help when you arrive.
Karen and Steve S

Karen and Steve S

August 19, 2019
We came to your office last Saturday and we dealt with a Daniel.  He was courteous, knowledgeable, and efficient, and everything was handled as pleasantly as we have come to expect.  We will see you again shortly for our house insurance renewal!
Lou Sanche

Lou Sanche

5
August 16, 2019
I renewed my insurance yesterday and very much appreciated the agents' efficiency and speed in processing my policy and in answering my questions therein. In the past I have literally spent hours sitting in a Harbord office (when first setting up policies). The agent, whose name I missed, was first on the left in the Cloverdale office. Thanks for the service.
Daniel Allos

Daniel Allos

5
August 01, 2019
Went there for the first time on Wednesday. Both Carmen and Charlene were awesome at assisting us in a title transfer. Will be doing any future insurance with Harbord.
John Phillips

John Phillips

5
August 09, 2019
We’ve been Harbord clients for a number of years and we keep coming back because of the customer service. My last two visits were with Kim and she was very helpful. In the last instance, I was renewing my Jeep insurance and she noticed that it was just basic coverage. She went the extra mile to validate that I had private (non-ICBC) insurance coverage and that there weren’t any gaps. This is the kind of service that we always get from the staff at Harbord and why we have our home and auto insurance with the same company. While some might say they are “just doing their job” I would counter that, if that’s the case, in my experience with other vendors, I would suggest maybe those other people aren’t. Thank you again for another quality experience.
Keith Hicke

Keith Hicke

5
July 10, 2019
I showed up 5 minutes after closing and Karen and Greg had just set the alarm and locked up, I needed transfer papers for a truck I was selling and as much of a pain in the butt as it is to reverse lock up at a place of buisness for such a small thing (that the company made no money from) as it was they did anyway and saved the day! I specifically got their names for this review! Karen and Greg that is some fantastic customer service! you two are life savers!!!! Il try to be on time in the future. LOL
Raymond Y

Raymond Y

July 18, 2019
I want to commend the kind attention and positive interactions I received on my recent visit to your Sidney office! I came in to renew both my house insurance and my yearly ICBC auto insurance. You have excellent staff working for your organization. Congratulations!
Pat H

Pat H

July 10, 2019
I have always found the Sidney staff to be courteous and helpful. It is a pleasure dealing with Harbord for my car and condo insurance!
Don C

Don C

July 09, 2019
Harbord has never failed to do the best for me, and it is with much appreciation that I have stayed with Harbord for more than thirty years. Thank you!

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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