Established in 1974, The Insurance Corporation of British Columbia (ICBC), provides the basic, compulsory automobile insurance for all vehicles licenced in BC. This system protects BC residents by ensuring all vehicle owners carry at least the minimum insurance coverage.

Basic Auto Insurance (Autoplan) provides coverage to pay for injury-related medical and rehabilitation expenses in the event of an automobile accident, no matter who is at-fault. The basic Autoplan includes $200,000 Third-Party Liability coverage to cover you for injury or damage you cause to others.


Also included are Accident Benefits, UnderInsured Motorist Protection, Hit & Run and UnInsured Motorist coverage and Inverse Liability coverage.

Also available are these optional coverages:

Higher Liability limits up to $5 million (most drivers purchase a $2 million limit or more) Collision coverage to pay for damage to your car due to a collision or upset Comprehensive coverage for claims such as Fire, Theft, Vandalism & Glass Loss of Use coverage for temporary substitute vehicles if your car suffers a claim and cannot be driven Replacement Cost insurance for cars 5 years old or newer Roadstar Package: provides Loss of Use (Rental Car) benefit up to $500; insurance for rental cars; lock re-keying if your keys are stolen RoadsidePlus: Roadside assistance plan plus the benefits of the Roadstar package and more Excess Under Insured Motorist Protection: doubles your protection from underinsured drivers to $2 million

Discounts available - In addition to the "Safe-Driving Discount", you may also qualify for these:

Senior Citizen discount 10-Year Driving Experience discount (all drivers of the car in your household must have held a licence for ten years) Passive-immobilizer discount

AirCare

The following vehicle model years WILL NOT REQUIRE AN AIRCARE TEST in 2008: 2002 and newer. The test is $47 ($23 for cars 1991 and older). Check your ICBC Notice to Renew letter or call us for more information.

RoadsidePlus

This package includes all the features of the "Roadstar" plan (Loss of use/temporary car, Rental Car insurance, Lock Re-Keying) plus "Theft Deductible Waiver", "Roadside Expense Repayment" (to pay for towing and other expenses if your car breaks down), and other benefits. Available for $29 if you already carry the Roadstar package.

Ten-Year Experience Discount

If all drivers in your household have held a valid driver's licence for ten years or more with no suspensions, you may qualify for an additional discount of $25~35/year.

Temporary Operating Permit (TOP)

To allow you to drive your vehicle for short terms without a licence plate or AirCare test. One Day: $26 basic $1 million Liability only, $33 for $1 million with Collision and Comprehensive or $38 for $5 million Liability, Collision and Comprehensive. Two days up to a maximum 15 days.

Importing a Vehicle from Out-of-country

Please visit Transport Canada's website for details of how to import vehicles: www.tc.gc.ca In order to register and insure the vehicle, you will require the following documentation: Original Registration/Certificate of Title/Pink Slip (in Japan this is called De-Registration Certificate) Canada Custom's "Form 1" document Canada Custom's "B15" or "B3" form showing duty and GST paid Passed Provincial Safety Inspection Report (blue copy) If there's a change of ownership: Original signed Bill of Sale with Seller's name, address and signature, full vehicle description, purchase price and buyer's name. There will be a $50 document processing fee charged on each new registration.

DELIVERY

We offer free delivery of car insurance renewals in parts of Vancouver and Richmond. Please contact us for more information.

Please call or email us your enquiries and visit our office for processing of your renewal policy. For a quote or review of your policy, we usually only require your licence plate #, Registration #, Expiry Date, Owner's Name and DCID # (on the top right hand corner of your documents).

 

 


BUSINESS INSURANCE


Your business is your livelihood. Protect your buildings, equipment, stock and liability to ensure continuation of your operations after a loss. Your business may also require these coverages:

  
We offer all types of personal and group life and health insurance plans.

Life Insurance

To protect your loved ones from unexpected expenses and the loss of life. Term Insurance: "temporary insurance" to cover mortgages and short-term needs. Universal and Whole Life: Permanent coverage; cash values and investment choices.

Disability/Accident

To cover your loss of income if a disability prevents you from working. Ensures up to 67~70% of a person's income.

Critical Illness

A combination of disability and life insurance. Provides lump-sum income in the event you suffer a major illness (cancer, stroke, etc.)

Long-term Home Care

To cover the cost of home or institutional care.

Group Insurance

Benefits for employees. Life, Disability, Extended Health & Dental.

Key Person/Partnership

To cover key personnel in a business.

RRSPs, RRSP Loans, RRIFs/Annuities, RESPs

Marine/Pleasurecraft

For your powerboat or sailboat, big or small, pleasure or business use.

Recreational

Motorcycles, Snowmobiles, ATV's, RV's, trailers, etc.

24-hour Accidental Death and Dismemberment Insurance

Provides compensation up to 10x's your salary if you are killed or paralyzed in an accident on or off the job, 24-hours/day. Provides partial payment for loss of limb, sight, speech, hearing, etc. Annual premiums start at $50.

 

Whether you're travelling outside the province or visiting here from another country, you should carry coverage for emergency medical expenses.

Canadians travelling outside of BC/Canada: Premiums start at $1.75 per day for trips to the USA and $1.15 per day for trips to destinations other than the USA. (subject to $16 minimum premiums). We also offer Annual Plans starting at $42/year. For Visitors to Canada: We offer various Primary Hospital/Medical plans with premiums starting at $1.60/day for $10,000 coverage to $4.50/day for $150,000 coverage. Coverage is written through the Travel Insurance Coordinators/Co-operators Life Insurance Company.

Konwakai Members

We offer a special Medical Insurance package for employees of companies who are members of the Konwakai Japanese Businessmen's Association. Call us for details.