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Best car insurance, home insurance, and business insurance in Victoria, British Columbia

Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, boat insurance, or life insurance, we are your trusted local experts in Victoria, BC, with over 100 years of experience.

As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates— insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

Contact us today for a FREE quote and protect what matters most!

Get an Insurance Quote Now!

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Why Choose Western

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We shop across trusted providers to find you the best coverage.

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Over 7,900 Five-Star Reviews

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Our local insurance experts understand your specific needs.

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Your local Canadian insurance broker in Victoria, BC.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Boat Insurance – Stay protected while enjoying life on the water.
  4. Business Insurance – Safeguard your business operations with tailored policies.
  5. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  6. Life Insurance – Plan for the future and protect your family’s financial security.

Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia. 

Proudly Supporting the Victoria Community

The city of Victoria is the capital of British Columbia and is situated on southern Vancouver Island.

Your Western Coast Insurance Services Oak Bay (Victoria) branch offers car and truck insurance, home insurance, business insurance and boat insurance. We access many other products as well.

A proud supporter of our Western Communities Foundation charity, we give students a helping hand, support community gathering places and assist people during times of crisis.

Don’t miss Gowlland Tod Provincial Park, the incredible Elk Lake and the Victoria Butterfly Gardens.

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 Victoria, British Columbia and from our other branches on Vancouver Island and the Lower Mainland.

At our Victoria 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.

Living in Victoria? Here's Everything You Need To Know About...

Comparing Insurance Options Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.

Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!

What do I need to know about car insurance in Victoria, 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.

5 Things to Know About ICBC Coverage for Occasional Drivers

What do I need to know about home insurance in Victoria, 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.

Top 5 Things to Know About Renewing ICBC Car Insurance

What do I need to know about boat insurance in Victoria, B.C.?

When you get BC boat insurance, it protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items.

Without marine insurance in British Columbia, you will be responsible for paying out of pocket for any lawsuits or legal fees, damages to another person’s boat, and uninsured medical costs. While boat insurance isn’t legally required in B.C., can you afford to be without it?

Your lender may require that your B.C. boat has insurance and many marinas require liability insurance for mooring and docking.

How much boat liability insurance is needed in British Columbia?

It’s recommended that you have $3 million or more in boat liability insurance coverage as part of your marine insurance policy to protect yourself as a B.C. boat owner. It helps cover such things as legal fees and uninsured medical bills, which can be expensive without boat insurance.

What are the 3 main types of boat insurance in British Columbia?

Liability insurance

Liability insurance helps financially protect you if you are responsible for causing injury or death to others or damaging someone else’s property while operating your B.C. boat. It’s designed to protect you against lawsuits related to incidents for which you are legally responsible when operating your boat. $3 million is the recommended amount of liability insurance.

All-risk B.C. boat insurance

All-risk marine insurance provides broad protection for your B.C. boat by covering any loss or damage unless it’s specifically excluded your boat insurance policy. This makes it the most comprehensive type of coverage available for recreational boats.

Hull and machinery (Property/Collision Coverage)

Hull and machinery insurance protects against physical damage to your B.C. boat, including collision with other boats or objects, and may also cover equipment attached to the boat.

Setting the Standard in Insurance Broker Service

     

Had the easiest, smoothest insurance renewal experience here thanks to Trevor. He was helpful, honest, and didn't push any products or Western Coast plans. Just helped me figure out what ICBC plan would work best and completed the paperwork quickly and easily. Highly recommend this location for ICBC even if you don't use Western Coast plans!

Larissa J.

     

Got travel insurance + a family member renewed her car insurance here. Everything was explained well, and they picked out a good plan for our needs.

Eric P.

     

Nice and easy to work with. I would recommend and will use them in the future.

Chris P.

 

Broker Information

Victoria, British Columbia

Reviews: 4.4

Contact Branch
844-802-7618
OakBay-Insurance@westerncoast.ca

Location
2067 Cadboro Bay Rd, Victoria, BC V8R 5G4

Hours

Mon-Sat: 9:00am - 5:00pm
Fri: 9:00am - 6:00pm
Sun: Closed