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What is Private Auto Insurance?

Although all drivers in British Columbia must obtain ICBC Autoplan Basic Insurance, you still have a choice as to which company insures your optional coverages such as Collision and Comprehensive Insurance.  ac&d Insurance offers private insurance for your personal car, truck or motor home through Family Insurance and Intact Insurance.

Benefits of choosing a private optional auto insurance carrier are:

  • Lower Premiums
  • Lower Deductible Options
  • Enhanced Roadside Assistance Coverage
  • First Accident Forgiveness
  • Higher discounts for Out of Province Drivers with more than 8 years of claims free history
  • Storage Insurance
  • Assistance from your Broker During the Claims Process

How do I make a claim with private auto insurance?

When you have private optional insurance and have a claim, who you report the claim to depends on the type of claim you are making.

When do I make a claim with ICBC?

ICBC is the insurer of your first $200,000 of third party liability (or more with Intact Insurance as they do not offer thrid party liability coverage) any time that coverage may need to be used, such as an at fault accident, you would submit your claim to ICBC.  You would also submit this claim to your private insurance company, so they are aware of it, or in case the third party damage exceeds $200,000.

If an accident is not your fault, you would report the claim to ICBC as they will be responsible for paying your damages.

When would I make a claim to my private insurance company only?

When your claim is either a single vehicle accident collision claim or a comprehensive claim, there is no need to inform ICBC of this claim.  You can call us for help submitting your claim unlike with ICBC where we are unable to get involved in the claims process.

Call us today to learn more about private optional auto insurance

Which Insurance Company does AC&D offer Private Coverage with?

We proudly represent the following Private Auto Insurance Companies:


Preferred Method of Contact:

Additional Drivers?:

Do driver(s) under 25 years of age have driver training certification:
Do you use your vehicle to commute to and from work:
Vehicle Trim Car: Manufacturers use designations such as "Sport" or "XLE" to differentiate between the options available on each vehicle in a particular line.
Have you had more than one at-fault accident in the last five years?:

If in BC, you can call ICBC to get this information. The longer it has been the better your quote will be. ICBC Customer Service: 1-800-663-3051
Have you had more than six penalty points in the last five years?:

Have you ever had your drivers license suspended, cancelled, or prohibited in the last five years?:

Have you ever been declined, had an insurance policy cancelled, or had the insurer refuse to renew your policy?:

Are you using this vehicle for delivery, for compensation, or hire?:

Are you a delivery driver? Are you a taxi/uber/lyft/other driver?
If commuting, advise maximum 1 way distance. If used for business please describe type of business.
Was your prior policy canceled for non payment:
Do you have any additional vehicles to be quoted?:
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

Mon-Fri: 8:30am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed

InsureBC Squamish

850-1200 Hunter Place

PH: 604-892-1033

Mon-Fri: 9am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed


234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
Sat: 9am - 5pm
Sun & Holidays: Closed