Depending upon your personalized needs, a range of extra Auto plan coverage can be customized for your protection. These options are summarized below, including more detailed information to help you decide which is right for you.
Extended Third Party Liability
Third-Party Liability surpasses the Basic Autoplan limit, and can cover you for damages between $200,000 and up to $5 million to cover a claim if you are deemed responsible for damages or injuries to others as a result of a crash.
Excess Underinsured Motorist Protection
Covers you or your passengers in a crash where the driver who is found responsible doesn’t have enough coverage to pay for damages or injuries caused. Excess Underinsured Motorist Protection increases your maximum benefit from $1 million to $2 million.
Loss of Use
Can cover the costs of getting alternative transportation for you while your vehicle is being repaired.
Provides eight coverages (including loss of use, theft deductible waiver, lock rekeying and rental vehicle coverage) for one economical price.
Vehicle Registration & Licensing
All vehicles which operate in BC must be registered. Registration allows any transactions related to the vehicle to be recorded and forms part of a permanent record maintained by ICBC. It identifies you as its owner.
Vehicle Inspections & Standards
In some cases, your vehicle may need a vehicle inspection under the Vehicle Inspection Program (run by the Ministry of Transportation’s Commercial Vehicle Safety & Enforcement branch) For more information, and to access a list of Designated Inspection Facilities, please see the Commercial Vehicle Safety & Enforcement website.
If you can’t work, Accident Benefits will cover your disability up to $300 a week. If you prefer more coverage, ask your broker if you qualify for an Income Replacement policy.
Protection against Hit-and-Run and Uninsured Motorists
If your costs are more than $200,000, your Underinsured Motorist Protection may provide coverage up to $1 million. UMP is not available in the case of a hit and run that occurs off-highway.
Vehicle Travel Protection
Helps offset the costs of having your vehicle stolen or involved in a crash while you’re on a trip or away from home.
A package of coverages available at a discount for select BC drivers.
Most vehicles licensed must pass an Air-Care test before their first insurance renewal. These vehicle emission tests are required before the vehicle can be insured and requirements for the tests vary according to the age of your vehicle. For more information about whether your vehicle needs to be Air-Care certified, contact our team
Specialty License Plates
There are a number of license plate choices available when you register a vehicle in BC. These include:
|2010 Winter Games plate||Personalized plate|
|Collector plate||Veteran plate|
|Farm plates||Vintage plate|
|HAM radio plate|
Goldmine Insurance offers a full range of solutions for all of your automobiles; including antique, collector and recreational vehicles; as well as motorcycles and motor homes. Goldmine specialists understand the risks you face on the road each day. You'll find that our commitment to you continues throughout the life of your coverage. Goldmine's account specialists are skilled in managing all of your service needs including changes to your policies, claims and coverage inquires.
Contact us to find out how to properly protect you and your automobiles.