The questions people actually ask.

For auto: your driver’s licence, plate number and current policy. For home: the address, year built and square footage. For business: what you do, where, and your annual revenue. We ask the rest by phone.

Two minutes to request online. A licensed broker calls back the same business day with real numbers, usually within a few hours.

Most personal policies, yes: phone, email and e-signature. ICBC plate transactions and some commercial policies need a visit.

The part of a loss you pay before the insurer pays. A $500 deductible on a $4,000 claim means you pay $500 and the insurer pays $3,500.

Insurers price the property and the person. Rebuild cost, roof age, claims history and deductible can differ between two identical-looking houses.

Yes. If nothing has changed, we can renew most Autoplan policies by phone and email the documents. New plates or coverage changes may need a visit.

Yes. Basic Autoplan is ICBC-only. Collision, comprehensive and extended liability can be placed with a private insurer through us.

Driver’s licence, plate number, renewal notice, current odometer reading and a payment method.

Driving uninsured in BC brings a fine, impoundment risk and full personal liability. Storage coverage is cheap if the vehicle is parked; call before the expiry date.

Premiums are tied to the driver, not just the car. Listed drivers’ records and years of experience move the price. Unlisted drivers who live with you can void a claim.

Check for injuries, move to safety, photograph everything, exchange details, report to ICBC Dial-a-Claim, then call your broker.

For emergencies, the insurer’s 24-hour line. During business hours, call us first; we open the claim and stay on the file.

Simple auto glass or theft claims settle in days. Water damage and fire claims take weeks to months depending on contractors. We tell you the realistic timeline up front.

Often, yes, for at-fault and certain home claims. Before you file, we can tell you whether a small claim is worth it.

The adjuster works for the insurer and decides what the policy pays. The broker works for you and argues the file when the two disagree.

Yes. Most insurers offer monthly withdrawals with a small financing charge. ICBC offers its own payment plan.

Call or email your broker. Personal policies cancel with a signed request; unearned premium is refunded, sometimes on a short-rate table if you cancel mid-term.

The insurer sends a notice and usually allows a grace period. Two missed payments can cancel the policy. Call us before that happens.

Yes. Deductibles, limits, listed drivers and addresses can all change mid-term. Premium adjusts pro-rata.

We work with 10+ insurers but are licensed to act for you. We compare the options, explain the exclusions, and handle your file at renewal and claim time.

The premium is the same whether you buy through us or from the insurer directly. The difference is that we compare 10+ insurers, and you have someone on your side at claim time.

We review it. If another insurer we work with offers the same coverage for less, we tell you before the renewal date, not after.

The Insurance Council of British Columbia. Our agency licence is BC0616945. Complaints unresolved with us can go to the Council or the General Insurance OmbudService.