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

Randy

December 06, 2021

Kudos to Cody Wilson on processing my auto insurance efficiently yesterday at your Fairfield office. He was well prepared, pleasant, and answered all questions promptly.

Raymond

December 03, 2021

I just wanted to say that it was a pleasure renewing my auto insurance with Coralee Boyce. I think that renewing my policy over the phone worked best for me. Coralee listened to my case and recommended plan features that will save me money. Thank you Coralee Boyce and Harbord Insurance.

Deborah

December 03, 2021

Yesterday was the second year that I was able to renew my car insurance by phone. It’s so much more convenient and I certainly hope that the option continues once pandemic precautions are eventually eliminated. Coralee was incredibly helpful and very professional – just like last year. It’s nice to know that she is available for these renewals by phone.

John

November 30, 2021

I walked in without appointment to renew my ICBC insurance. 3 representatives with 3 clients, no one waiting. I went to sit down and another employee from the managers office popped out and waived me in. It turns out it was Karyn Watson behind the mask. In the most pleasant efficient process, I was done and out of there in minutes. She advised me on some improvements and I took her advice. This was possibly the best 1:1 experience since Covid arrived in our lives!

Dennis

November 30, 2021

I'd just like to say that my Autoplan renewal went very well. Narender Malhi was the person I dealt with, and she was wonderfully clear, helpful, and patient. I really appreciated it! You're lucky to have an employee of her calibre.

Ted

November 29, 2021

Rachel was my vehicle insurance facilitator last week in Sidney - great bunch of folks there! Pleasant, friendly and professional - so all went very well!

Norman

November 24, 2021

I just had my ICBC insurance renewed by Ashley Kerr. She was a real pleasure to work with, being so efficient, patient and friendly. All the required paperwork was completed in minutes. I will be contacting Ashley for all my future renewals, and will be more than happy to recommend her to my friends.

Janice

November 24, 2021

I was very impressed with the interaction and service I received when I registered my car yesterday, having just moved from Calgary. Krishan is kind, professional, patient and was very welcoming in helping me with the process and he is a huge asset to your agency.

Michelle

November 24, 2021

I would just like to say what everyone already knows, paying for insurance can be a huge pain in the butt but for the 2 or so years of purchasing through harbord I have had nothing but the most pleasant experiences with your staff. They make it so that I can't WAIT to renew my car insurance!!

Megan

November 24, 2021

Raman was my Insurance representative yesterday and just wanted to say that she was really nice and patient as I was a bit disorganized and I really appreciated her help. Just wanted to give her some really positive feedback!