Private Auto

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.

AutoPlus

AutoStandard

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

Ken

September 22, 2021

Having dealt with several companies that (for multiple reasons) have poor customer service it is nice to know that Harbord has been giving me consistent and excellent customer service for over 10 years. A few years ago I moved to the West shore, tried a local insurance provider and was met with unqualified personnel who did not know how to line up the start and stop dates to my insurance. From that day forward I moved everything to Harbord. Yesterday I did a phone transaction for my car insurance with Misty and she was quick, friendly and professional. Keep up the good work.

Tim

September 16, 2021

I just had my insurance renewed Misty. I just wanted to say thank you! We did it over the phone and through email and it took about 10 minutes. Misty was very courteous, very professional and a pleasure to work with. Considering all the things that are going on these days and everybody's work loads- she was very pleasant. I was really happy to have gotten her as my agent and just wanted to pass along kudos to her. Thanks very much. We'll continue to do business with you.

Tom Haney

September 07, 2021

Just want to say what a joy it was renew my vehicle with Misty at Harboard. She was Professional and made the process really easy. Tom Haney

Joanne

August 31, 2021

I completed my Autoplan renewal recently, and just wanted to say it was seamless. This is the second time I have done so with Harbord - and I am just as impressed the second time as I was the first time. I was hoping to contact the same agent the second time, but she was on holidays and I had time constraints. So, I called the main line - chose Autoplan option - waited a few minutes (worth the wait) and got another stellar agent. Harbord, to me, is the leading option that I have come across. Especially in the age of Covid. Much appreciated, and I always spread the word of your company! Thank you! Joanne

Brian S.

August 20, 2021

Charlene took the time to review where we currently stand with insurance, registration dates, explored the various options available to us, did a comparison between ICBC and Family Insurance, patiently waited for slow computers to do their thing, walked us through the on line approvals and signings required, and put everything in place. Harbord can be assured that agent Charlene is a very knowledgeable, helpful and personable agent who is a credit to the organization.

Gene M.

August 20, 2021

I’m not sure if I’m just lucky or know how to time my visits to Harbord. Nevertheless, yet again, I was greeted by staff promptly and the agent wasted no time calling up my information. With my file intact the process was seamless, enough so, that we had a few jokes about the outdoor heat and comfort of the office. On top of that I was pleasantly surprised by the modest insurance rate for my car. Thank you Harbord.

Tony Knight

June 24, 2021

I have just renewed my auto insurance with Harbord insurance. I received exceptional service from Narender. She was extremely patient with me, and helped me navigate through the virtual renewal process. Well done Narender and thank you. Tony

Neil Bennett

June 23, 2021

Oleg was amazing. The entire team was amazing. We had to do some extra paper work and Oleg got us through it all. He kept us updated and made sure we got what we needed for our car insurance. Oleg went above and beyond for us. There were some computer issues that were keeping us from getting our insurance. Oleg was so good that he went into the office early on a Friday, got onto the site, made the changes, called us and all we had to do at that point was go into the offices and sign. Thank you Oleg for making what could have been a frustrating situation into something much more manageable. We appreciate you.

Natasha Coulis

June 23, 2021

I had a seamless and patient experience with Raman. Excellent, responsive customer service when later questions and needs arose.

Julianna Yoenju Yuk

June 11, 2021

I am so pleased with service they provided. It took only 10 min max on the phone to get my insurance. Alysha who helped me to get insurance was very kind and pleasant person. We received deco and insurance paper by mail within a week. We have two cars and I am definitely insure both vehicles with this company.