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

David L.

January 14, 2023

Yesterday I met with Corrie to make a vehicle transfer and renew the vehicle's insurance. She had responded to my voicemail to her very quickly, first thing yesterday morning, and during our meeting she was very pleasant but, most important, extremely professional and efficient. As a result I will continue to be a Harbord customer in the coming years.

Scott W.

January 12, 2023

Since you ask how the service was just thought I’d let you know it was absolutely fantastic!! I have now renewed my auto insurance twice, two different vehicles, with your company, once with Anna Coles and once with Charlene Reinholdt. These ladies both deserve a huge thank you and a pat on the back!!! It’s been a long time since I’ve had such great service. As a result, I will now be dealing with your company for any insurance needs in the future. Thank you very very much!!!

Geoff & Anne V.

January 09, 2023

Thank you for the opportunity to make contact with you relative to my recent contact with Harbord. My contact was related to auto insurance and I spoke with Charlene Reinholdt. Once again and as with all of my dealing's with Charlene, she was amazing. She answered all of my questions suggested where we could improve our auto insurance and speedily provided the extra coverage that would be beneficial for us. She is a great representative for your company and highly effective and helpful.

Darren C.

January 05, 2023

I must say that I always appreciate the good service I receive there. This time, I was just in for car insurance renewal, and while I can do it online, I appreciate it being done right, in your office. The person who helped me was SO efficient and professional, she was a younger lady, I think Kelly was her name. It was a pleasure to come in and get my business done quickly. Your agents are always friendly and helpful.

Judith M.

January 03, 2023

What an outstanding employee Harbord has in Julie Salter! You know those phone calls you just don’t want to make? The one to Harbord was one of those – I was worried I wouldn’t be able to clearly pose my question about if/how/why I might need to add my grandson to my car insurance. Ms. Salter was so very helpful, in every way. She made the whole process easy, and was patient and warm throughout the conversation. Thank you, Julie. You’re wonderful!

Kimberly K.

January 01, 2023

I recently renewed my insurance and worked mostly online and a few phone calls with Charlene Reinholdt. I have to say she was great to work with, extremely informative and worked to assure that I got the best rate for the coverage I needed. I would rate the interaction as the best I have had with this renewing auto insurance … or even setting up a new policy. She was great to work with and went out of her way to get some previous inaccuracies on the info about my vehicle corrected with ICBC.

Michael D.

December 22, 2022

We were in the other day, buying insurance for our new MoHo.. Shray did a great job, helping us with explaining all options, in a friendly succinct manner. Thanks for your great survive..we we recommend you to our friends.

Nicolas H.

December 20, 2022

I registered a vehicle yesterday at your Saanich location. The gentleman who helped me was extremely helpful and efficient. All your reps have been extremely helpful and a great pleasure to deal with over the years. I recommend your company whenever I have the opportunity. Thanks again for the great service!

Jocelyn P.

December 15, 2022

I wanted to pass on my comments about Charlene. I called yesterday to renew my car insurance and she was amazing. My husband had an outstanding icbc infraction and she helped guide us through the process of contacting them. In the end we ended up making the payment with her but she went above and beyond offering to call me back after the office had closed. It was an amazing experience and I wanted to make sure you were aware. She really was great to deal with.

Alex C.

December 14, 2022

I absolutely appreciate having Heather Pocher on my team of those who are so helpful with my general insurance needs. Always pleasant, always helpful, very professional and keeps me on the straight and narrow which is no mean task. She is a joy to work with as always.

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