Look no further if you’re needing ICBC renewals, car and truck insurance today.
The town of Mill Bay is located north of British Columbia’s capital city Victoria on Vancouver Island.
Your Western Coast Insurance Services Mill Bay branch offers car and truck insurance, home insurance, business insurance and boat insurance. We access many other products as well.
Via our Western Communities Foundation, we’ve donated over $10,000 to Shawnigan Pavilion Community Park, South Cowichan Community Policing and Cowichan Search and Rescue etc.
Don’t miss Bamberton Provincial Park, the scenic Saanich Inlet and the beautiful Mill Bay marina.
Look no further if you’re needing car and truck insurance, home insurance and business insurance. Let our experts be your trusted source for motorcycle insurance, RV insurance and boat insurance etc.
As industry leaders for over 40 years, we are dedicated to serving you the right insurance in Mill Bay, British Columbia and from our other branches on Vancouver Island and the Lower Mainland.
At our Mill Bay branch, we have competitive rates and outstanding customer service. We’ll listen to your concerns and help you customize a policy that fits your needs today and as they change.
You’re at home with Western Coast Insurance Services.
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What do I need to know about car insurance in Mill Bay, B.C?
It’s mandatory for all drivers to purchase car insurance from ICBC to help ensure that they are protected with a basic level of coverage.
Basic autoplan insurance for ICBC includes $200,000 in third-party liability coverage. Third-party liability helps protect you in cases such as non-vehicle property damage or driving out of province, and it can protect you in situations where the law permits the other driver to sue.
If you make a third-party liability claim against the person who's responsible for a car crash and they don't have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you. Basic underinsured motorist protection covers you and members of your household for claims of up to $1 million per insured person.
If you want to increase the amount of coverage you have in the event, you're responsible for a crash, you may want to consider extended third-party liability coverage, an optional Autoplan coverage.
What do I need to know about home insurance in Mill Bay, B.C?
Home insurance isn't mandatory in British Columbia, but most banks or mortgage lenders will require you to purchase home insurance coverage if you have mortgage.
Home insurance helps you protect against: Theft, Fire, Third- party “slip and fall” accidents, Vandalism.
You may want to consider adding earthquake coverage to your home insurance policy to protect you should your home suffer catastrophic damage in an earthquake. Every earthquake insurance policy is different, but typically includes three types of earthquake coverage.
- Dwelling coverage helps cover the cost of repairing or rebuilding your home.
- Personal property coverage helps replace personal property like electronics and furniture.
- Loss-of-use coverage helps cover additional living expenses if you must move out while your home is rebuilt or repaired.