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Auto Insurance Notes & Tips


Underinsured Motorist Protection


In British Columbia, Underinsured Motorist Protection Coverage of $1,000,000.00 is provided to every holder of a valid provincial drivers licence. This coverage extends to all members of the household that do not have a vehicle registered in their name.

Underinsured Motorist Protection Coverage provides the victim of an accident with coverage for those instances where the party at fault in the accident does not have sufficient liability coverage to pay for the injuries.

ICBC offers a policy of Excess UMP, where the insured can purchase an additional $1,000,000.00 coverage for an annual premium of $25.00, a policy which we recommend.


The Roadstar Package


The "Roadstar Package" is a group of optional insurance coverages that is offered at a low package premium to those safe drivers that have earned the "Roadstar Status". This package of coverage includes: Rental Vehicle Coverage, Loss Of Use Coverage, Vehicle Travel Protection and Lock Re-Keying. This package is available for a $21.00 annual premium to those drivers that qualify and carry full coverage on their vehicle.

Excess Special Equipment Policy

Your ICBC policy includes coverage for "after market" accessories that have been permanently attached to the vehicle, however this coverage is limited. Sound and Communication equipment is limited to $1,000.00 maximum and other after market accessories are limited to a $5,000.00 maximum.

It is very important to note that this coverage applies only if the accessories or equipment are " permanently attached" to the vehicle and the applicable coverage, ie: comprehensive and collision coverage, have been purchased.

ICBC offers an Excess Special Equipment endorsement that can be purchased to provide the necessary coverage for Sound and Communication Equipment valued over $1,000.00 and/or other accessories that are in excess of $5,000.00


Roadside Plus Package

With your RoadsidePlus, you can now enjoy superior coverage and increased peace of mind. RoadstarPlus looks after you in eight different ways:

Loss of Use Coverage - gives you immediate coverage for replacement transportation if your vehicle is not driveable, regardless of who is at fault for the crash.

Travel Protection Coverage - covers extra costs you and your companions might face if the vehicle you are travelling in is damaged or stolen while you are on a trip of 30 days or less away from home.

Rental Vehicle Coverage - insures a vehicle you rent, at considerably less cost than most rental companies charge.

Family World Wide Transportation - brings anywhere in the world if you suffer life-threatening injuries in a crash.

Lock Re-Keying -if your vehicle keys or remote keyless entry transmitter are stolen.

Theft Deductible Waiver - can save you the amount of your deductible.

Destination Assistance - covers incidental costs when a crash, theft or vandalism at or near your home interupts or prevents your travels.

Emergency Roadside Expense Repayment - lets you call a service vehicle or taxi when a breakdown stops you from using your vehicle, knowing your coverage will repay you for the cost incurred.


 

 


 

Brownridge & Company Insurance Services Inc.
1198 Victoria Street, Prince George B.C., Canada V2L 2L2
Ph: (250) 564-0002 Fax: (250) 564-0006
Commercial Lines Fax: (250) 564-6436 or Email

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