Private Auto



Everyone in B.C. is required to purchase their Basic Autoplan Car Insurance from ICBC. However, it is also 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 B.C. is AutoCover, which offers drivers better coverage, including lower deductibles, emergency roadside assistance, and loss of use. Additional protection is 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.

Vehicle Types Covered:

Vacation Trailers

Classic Trailers


Commercial Fleet

Light Commercial Vehicles

Off-Road Vehicles


It is the all-inclusive branch of AutoCover, which includes everything we offer. Because this option consists of all 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 car in North America
  • Lock Protection
  • Under-insured Motorist Protection at $2 million
  • Destination Protection


AutoStandard is for vehicle owners who wish to be selective about the specific options they want in their extended coverage. This occurs when applicants have rental car protection or collision and comprehensive already covered under their existing policy. AutoStandard allows you to choose which policies and limits meet your particular needs and budget.


Ulrike S.

I had a great experience renewing my auto insurance on my Echo with Lauren – friendly and efficient.

Keith A.

Served by Charles at your Sidney branch yesterday.  He was knowledgeable, efficient and quick, making this a very pleasant customer experience.

Jason C.

Everything was fantastic.

The agent that helped me was very efficient and pleasant to work with.

It’s commendable that your employees are human, and funny when dealing with us customers.

Janet M.

The experience was good with an exceptionally helpful, good natured representative, Kayin.




CNS Closure

CNS (Canadian Northern Shield) Is Closing. Canadian Northern Shield (CNS) is an insurance company founded in 1985 and based in Vancouver, British Columbia. Since then,

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For all Harbord payments (except ICBC).

For more information on ICBC renewals and payments.

How do I find my account number?

You can find your account number at the top of your statement or invoice.