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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

Heather Macnab

Heather Macnab

5
February 16, 2021
We purchased a truck and needed to complete the sale transfer and get our ICBC Insurance. The staff at the Cloverdale location were fantastic! We attempted to get our Insurance at another place but they said we needed an appointment?! I called Harbord and they said we could come right away! 😊 They took us in upon arrival and within 20 minutes we had our paperwork and our new plates for our truck. Highly recommend this company!
Shirley Mitrou

Shirley Mitrou

5
February 12, 2021
Wow today I renewed my car insurance over the phone, which was so easy. It took 8 minutes from the time I dialled them to when it was all completed. Alysha was so helpful and efficient. Highly recommend this process and this business!
Ken Jones

Ken Jones

5
February 12, 2021
Misty Lussier helped my wife Susan and I to obtain the auto policy that was best for us. She was friendly, efficient and knowledgeable.
Kiah Elisa

Kiah Elisa

5
February 11, 2021
Raman was absolutley phenomenal, quick and efficient and went above and beyond in helping me with my auto insurance and finding the right coverage for my needs (and answered my myriad of questions with good humour).
Arnold Hobson

Arnold Hobson

5
February 10, 2021
Straightforward, friendly, and professional service. Have dealt with this organization numerous times and they are always consistent in handling my needs this way. I am happy to be a repeat customer!
Brook Taylor-Richards

Brook Taylor-Richards

5
February 09, 2021
Holly Nunn at Sidney Harbord Insurance was very helpful. I called ahead and she had all my paperwork ready to go as soon as I got in the door. She was very knowledgeable and professional. She helped me get the right insurance for towing my trailer for my company. I would recommend her to everyone. Thank you Holly for your help I look forward to the next time I need insurance.
Ila Zbarsky

Ila Zbarsky

5
February 09, 2021
Went to change address on my car insurance and was a quick and painless visit, Sue Ann and staff were great and great covid precautions were in place too 🙂
Chelsea Da Silva

Chelsea Da Silva

5
February 09, 2021
Misty did a great job addressing every question that we had and was very efficient so that we were in and out 🙂 Happy to be a returning customer, thank you!
Linda Nonen

Linda Nonen

5
February 05, 2021
Jacob was professional, helpful and went above and beyond to assist me with renewing my car insurance. He was friendly and an excellent communicator. When he didn't know the answer to a question he took the time and put in extra effort to contact ICBC to get the answer and was quick to call me back with the results. I highly recommend asking for Jacob to assist you with your auto insurance needs. Thanks again Jacob!
Joey Olson

Joey Olson

5
February 02, 2021
Had to register my quad that had not been registered before. Called and spoke to Coralee who sent me all the required paperwork and process required to register it. After all was ready I saw Holly and she walked me through the entire thing to make sure it was insured to my needs and registered properly. Very happy with my experience and will continue to go to Harbour Insurance in Sidney.

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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