Private Auto

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.

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

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.

Ron W

June 08, 2021

Krishan K was just awesome. He helped sort a complicated out-of-province vehicle situation out for me in record time and had my best interests in mind the whole way through. I'll certainly be recommending Harbord Insurance Sidney to anybody I can 🙌

Greg Allen

June 03, 2021

And dog friendly! Mike and Sue Ann quickly got us through the process of registering and insuring our 2 out-of-province vehicles. Highly recommend Harbord but suggest you go to ICBC website ahead of time and become knowledgable about Autoplan, especially after May 1st changes.

Shannon Huff

May 31, 2021

I moved from Ontario and needed to get car insurance in BC. I'm so happy with the service at Harbord. I got a very reasonable price and outstanding service thanks to Sue Ann. She was warm, personable, and answered all my questions honestly. Thank you!

Ryan Sawatzky

May 31, 2021

Let’s be honest, you can pretty much go anywhere for your insurance and get the product you want and need at the rate you want to pay. What makes the difference at Harbour Fairfield is the people behind the desks, like Annika White. Annika took my rather complex problem and boiled it down, gave me the advice and the steps to complete it relatively painless. I appreciated the support and when issues cropped up Annika owned her part and we worked through it. If Harbour keeps people like Annika on the team, they will keep me coming back! 😀

mathew fietz

May 28, 2021

Due to my girlfriend and I’s lack of time management and planning we showed up with only 15 minutes til closing, fortunately Cody brought us in and helped with ownership transfer and license plating the vehicle we bought. Cody was super friendly and didn’t mind staying a little later to help with everything entailed with purchasing a new (to us) vehicle! Thank you Harbord for employing such friendly staff!

tarlingtube

May 26, 2021

So impressed with Misty Lussier - who provided awesome customer service. Misty was great to work with, she was diligent, efficient and kind. 5 stars!

Rich Curtis

May 26, 2021

Kim made getting my new registration for my car fast and easy over the phone, very professional and personable. I will definitely deal with her again at Harbord .

Hermilo Granados

May 24, 2021

Very satisfied with the helpful and prompt service while handling my insurance renewal over the phone, did not take more than 10 minutes

Ankit Mohar

May 23, 2021

I have recently updated my auto insurance over the phone and the agent named PURU I talked to was very helpful efficient and reliable. Great team great service

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.