Let Us Help You Find the Answers You're Looking for...

Yes, drivers can take advantage of several ICBC discounts such as good driving record, safe driver discount and low-risk vehicle discount.

Yes, you can switch between ICBC auto insurance plans at any time. However, you may incur additional charges or fees if you want to make changes to your existing policy. Read more: https://www.icbc.com/insurance/Pages/FAQs.aspx

Yes! If you transfer ownership to any of your immediate family members mid-term, your policy can be transferred to the new owner. The recipient of your vehicle would keep the same policy number, effective and expiry date.

Yes! If you purchase a new vehicle while mid-term in your current policy, we can process a transfer of the policy to your new vehicle. This will generate a new policy, with a new policy number, effective and expiry date. Any unused portion of the premium for your previous policy can be applied to the new insurance premium as transfer credit.

Our unique eligibility guidelines allow for any vehicle that is 5 years old or newer to qualify for New Car Replacement coverage. That means you are not required to have just recently purchased your vehicle to qualify and can purchase a policy any time between your vehicle being brand new, and 5 model years old. There is also no kilometre restriction, just as long as your vehicle has not been driven on average more than 40,000 km a year since it was new.

No, after a total loss you are not required to buy the same vehicle as you had previously. You are more than welcome to choose a different or better vehicle, or even take the cash settlement if you’d like, however we will only pay up to the replacement value of the same make, model, and trim package as the vehicle that you had previously. It will be in the most current model year.

The cost of a surety bond depends on various factors, such as the type of bond, bond amount, the risk associated with the obligation, and the creditworthiness of the principal.

Insurance covers potential future losses, while surety bonds ensure that obligations are fulfilled. In other words, insurance protects against unexpected losses, while surety bonds protect against non-performance.

Surety bonds are often required by contractors, government agencies, and individuals who want to ensure the fulfillment of obligations or compliance with regulations.

A surety bond is a three-party agreement that ensures the fulfillment of a contractual obligation between the obligee and the principal, backed by a third-party surety company.

Home-based business insurance is much more affordable than most small (home-based) business owners think. Depending on the nature of your business, how much equipment you have at home that is used for business purposes and how much revenue you anticipate generating, a home-based business insurance policy will only set you back as little as$50-75 monthly.

A Directors and Officers Liability policy is not nearly as expensive as people think. Depending on the roles the Directors and/or Officers are required to fulfill, a policy can start as low as $400 annually. Please contact one of our 90 locations for a free, no-obligation quote for D&O insurance.

The application process involves filling out a form with your personal and medical information. Some insurers may require a medical exam. Check with your broker to know about the details of application process related to your case.

If you outlive your policy, the coverage ends. However, you may have the option to renew your policy or convert it into a permanent one.

Yes, some pre-existing medical conditions and high-risk activities may be excluded or require specialized coverage. We recommend discussing all potential exclusions with your insurer prior to purchase.

Yes, many term life insurance plans offer the option to switch to a permanent life insurance plan during the policy term, without a medical exam. You can discuss the details with your broker for additional information.

You can get a 25-year term life insurance quote from InsureBC simply by filling out the form by clicking on this link.

Yes, you can add additional coverage with riders such as accelerated death benefit, waiver of premium, accidental death benefit, etc., depending on your insurance company. These riders give you greater flexibility in customizing your policy and protecting your family.

All visitors to Canada, including tourists, international students, and temporary workers, should consider purchasing visitor insurance for Canada to protect themselves from unexpected medical expenses.

Visitor insurance for Canada is a type of travel insurance that provides medical coverage for visitors to Canada who require emergency medical care during their trip.

Yes, you can often purchase travel insurance after you've already booked your trip. However, some coverage options may be limited or unavailable if you wait too long to purchase a policy. It's best to purchase travel insurance as soon as possible after booking your trip to ensure maximum coverage.

Travel insurance can cover a wide range of events, including trip cancellation or interruption, medical emergencies, evacuation or repatriation, lost or stolen baggage, and more. The specific coverage options can vary depending on the provider and plan you choose. Contact your broker for more details.

Yes, you can often get a travel insurance quote online by filling out a form with your trip details and coverage preferences. InsureBC offers an online quote tool for travel insurance, making it easy to get a quote quickly and conveniently.

Travel insurance can help protect you financially in case of unexpected events during your trip. Without travel insurance, you could be responsible for paying out of pocket for medical expenses, trip cancellations, lost or stolen baggage, and more. Travel insurance can provide peace of mind and help you avoid significant financial losses.