AUTO, FLEET, & MOTORCYCLE INSURANCE
Our knowledgeable, friendly staff can answer all of your auto insurance questions. At Valley Wide Insurance in Abbotsford, BC, we are constantly updating our skills through ongoing training programs. Our clients keep coming back to us because we take the time to explain coverages and advise them on the best solution to their insurance needs.
WE HAVE A NUMBER OF OPTIONS AVAILABLE FOR INSURING YOUR TRAVELLING VACATION HOMES.
•Deluxe coverage available (including vacation emergency expenses)
•Guaranteed replacement cost on RV’s less than 10 years old
•Your choice of deductible
GET A RV QUOTE
Planning a vacation or a business trip should always include purchasing travel insurance. Whether it’s a quick trip to another province, or a leisurely stay in a tropical paradise, your peace of mind is paramount.
You should never be burdened by concerns over insurance while you are away from home. We at Valley Wide Insurance can help to make sure all of your travel insurance requirements are taken care of; and when you are in need of assistance, we are there.
Make sure you are protected. Start by discussing your trip with us and we can walk you through the types of travel insurance you will need. Next, get a quote and decide on the amount of insurance you wish to have.
We are pleased to be able to offer our motorcycle enthusiasts private insurance on their optional coverage based on an annual policy. This includes coverage while your motorcycle is in storage during the off season. Did you know that InsureBC, Beacon, Premier Marine and Megson Fitzpatrick are alternatives to ICBC on the optional Insurance? There is no need to purchase storage insurance separately. Ask Valley Wide Insurance in Abbotsford, BC, for a quote today.
►Note: if the principal operator is different than the owner additional information is required for the PO.
To save you time, we base your quote on a series of assumptions. Please confirm that the following statements are "correct" or "incorrect" before proceeding with your quote:
►No operator of the Motorcycle has ever had insurance declined or a renewal refused for any reason.
►No operator of this Motorcycle has had their driver's license suspended or cancelled within the last 10 years.
►This Motorcycle is not used for commercial purposes.
WHETHER YOU HAVE A SMALL RUNABOUT FOR LAKE USE OR SOMETHING LARGER TO EXPLORE THE OCEAN, WE CAN INSURE YOUR WATERCRAFT.
Extended navigation limits are available
Year round coverage - whether your vessel is afloat or laid up.
Discounts available for Canadian Power and Sail Squadron courses.
Agreed to value on boats less than 10 years old.
TRAVEL AND MEDICAL INSURANCE
In order to purchase travel medical insurance, you must not have already started your trip.
You must have Provincial BC Medical Insurance in place as your primary insurance provider. Travel medical insurance is regarded as excess/supplementary insurance to the provincial plan.
Every province has different base levels of coverage. Your basic BC medical plan may not be enough to cover the cost differential. Check online with the Medical Services Plan of BC frequently asked questions page for answers about travel coverage, leave-of-absence coverage and general information.
Single trip coverage is available in addition to annual plans that include multiple trips throughout the year.
Policies can be issued on a zero deductible basis with coverage limits as high as $10,000,000. Contact Lyle Insurance Services in Abbotsford, BC to discuss your medical insurance needs before you travel!
OR BUY NOW!
This information is for reference only and is not intended to be a complete list of exposures or recommended coverages.
Policies are issued based on accurate underwriting information provided by the applicant. The broker is not responsible for any misrepresentations made by the applicant.
All insurance policies have certain limitations and exclusions. It is the policy holder’s responsibility to read and understand these and how these may apply to their own circumstances.
AUTO INSURANCE RENEWAL
WHICH DOCUMENT DO YOU HAVE?
Insurance Support Document Insurance Renewal Reminder
PRIVATE OPTIONAL AUTO INSURANCE
We are able to offer private insurance on the optional coverage portion of your ICBC insurance. You may qualify for additional savings if you have a good driving record.
We are a full-service Autoplan insurance broker and can also look after your fleet requirements. Our past experience includes The City of Abbotsford and others. We are proud of our levels of service. Ask us how we can take the hassle out of your fleet renewals and mid-term changes.
TYPES OF INSURANCE COVERAGE
This refers to the minimum amount of insurance that is required by law to operate a motor vehicle on public roads. It includes $200,000 public legal liability, $150,000 in accident benefits for the insured person and $1,000,000 underinsured motorist protection. It does not offer any physical damage to your own vehicle.
Hit-and-run coverage protects you and your vehicle. It's available to every BC resident, even if you don't own or insure a vehicle. If you're eligible, the $200,000 coverage applies to damage, injuries or death. Inverse liability protection covers you in parts of Canada or the U.S. where local laws don't let you claim against the person who caused your crash.
Your vehicle repair costs are covered up to 100 per cent (less if you were partly at fault for the crash). For example, if you were 25 per cent at fault, you'll receive 75 per cent of the cost of repairing your car.
Optional insurance allows you to purchase additional liability limits to protect you in the event of a lawsuit. When purchased, it also gives you physical damage coverage on your vehicle with a stated deductible. The deductible can be changed according to how much you are willing to pay in the event of a loss. Generally, the lower the deductible amount is, the higher the premium you would pay and vice versa.
This coverage is sometimes confusing for motorists. When this optional coverage is purchased, if your vehicle is involved in a crash and it is your fault, your insurance would pay for the damage to your vehicle, subject to the appropriate level of deductible selected. It is also referred to as “own damage”. Simply put, it is damage that you caused to your own vehicle. It does not refer to damage done to other vehicles. This is covered under the basic insurance.
This includes glass breakage (including the windshield), theft, attempted theft, vandalism, falling or flying objects, windstorm, impact with animals and more. Deductibles work in the same way as they do with collision except for the windshield which usually carries a smaller deductible.
Specified perils generally includes the same coverage as comprehensive but excludes the following: vandalism, windshield and impact with animals.
Claims under your comprehensive or specified perils coverage do not affect your insurance discount.
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