Ever wonder why your ICBC premium is higherāor lowerāthan someone elseās? It all comes down to how rates are calculated. ICBCās system is designed to reflect risk more accurately, meaning drivers who pose lower risk typically pay less. Here are the three biggest factors that shape your rate: š¤ Driver Experience š Vehicle Usage š Territory (Where You Live & […]
š Smarter Homes, Safer Futures: How Canadians Are Using Tech to Mitigate Risk šØš¦As technology reshapes how we live, smart home devices are emerging as powerful tools for risk prevention and insurance savings. From leak detectors to smart thermostats and security camerasāthese gadgets are doing more than adding convenienceāthey are actively reducing claims and protecting homeowners.š Key Benefits for Canadian […]
No one expects to be in a serious collision. But what happens if youāre injured in a crash caused by another driver who doesnāt have enough insurance to cover the damages? Thatās where Underinsured Motorist Protection (UMP) comes ināa vital yet often overlooked part of BCās auto insurance system. ā” What Is UMP?UMP provides coverage if you or your passengers […]
š The Rise of Usage-Based Auto Insurance in Canada šØš¦ With auto insurance premiums rising and drivers seeking fairer pricing, Usage-Based Insurance (UBI) is gaining major traction across Canada. UBI programs use telematics to track driving habitsālike speed, braking, and mileageāoffering more personalized and often lower-cost premiums. And the data is clear: Canadians are embracing this shift. š Key Highlights: […]
In Canada, most businesses carry Commercial General Liability (CGL) insurance to protect against third-party bodily injury and property damage. But with rising legal costs and increasingly large settlements, the standard $1 million limit may no longer be enough. Thatās where Excess Liability coverage comes in. ā” What Is Excess Liability Insurance?Excess Liability extends the limits of your primary policyāwhether thatās […]
In British Columbia, every driver must carry ICBC Basic Autoplan. But many donāt realize that optional auto coverages can provide the added protection needed for true peace of mind. Three of the most common choices are Collision, Comprehensive, and Specified Perilsāeach offering distinct advantages. ā” Collision CoverageCovers damage to your vehicle if itās involved in a crash with another vehicle […]
If you drive in British Columbia, you already know ICBCās Basic Autoplan is mandatory. But do you know what it actually coversāand where its limits end? Understanding these core protections can help you avoid costly surprises after an accident. ā” Core Coverages Under Basic Autoplan š Why It MattersWhile Basic Autoplan ensures every BC driver has a safety net, its […]
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