Car insurance & ICBC
Renew your ICBC insurance on Fraser Highway, Monday to Saturday. With stop-and-go traffic on Fraser Highway, 64 Avenue and 188 Street, many Clayton drivers add collision, comprehensive and higher liability limits.
Western Coast Insurance · Clayton Crossing, Surrey
Your local insurance
broker in Clayton
Our Clayton Crossing broker on Fraser Highway is your neighbourhood insurance partner in one of Surrey’s fastest-growing communities. We help residents of Clayton Heights, East and West Clayton, Cloverdale, Hillcrest and Willowbrook with car insurance, ICBC renewals, home and tenant insurance, and business insurance.
18737 Fraser Hwy #101 · Surrey, BC
Advice, choices and ongoing support
How your Clayton Crossing broker helps
Understand your coverage
We explain what’s covered, what isn’t and where your limits are, in plain language, so you know what your policy actually protects.
Review limits and deductibles
We’ll walk you through your plan, including what you may need to pay out of pocket if you make a claim.
Compare insurance options
We compare coverage, limits and pricing across multiple insurers to help you find an option that fits your needs and budget.
Spot gaps in coverage
We look for areas where you may not have enough protection, so you can address them before you need to make a claim.
Keep your insurance up to date
Buying a home, renovating, adding a driver or starting a business? We’ll help make sure your coverage keeps up as things change.
Get help with a claim
We’re here to help you understand your coverage and guide you through the next steps.
Clayton Crossing Broker Location Details
Broker information
Your Western Coast team in Clayton. Find our contact details, hours and location below.
Clayton Crossing, Surrey, British Columbia
- Contact your Clayton Crossing broker
- 1-844-802-7609
[email protected] - Visit us
- 18737 Fraser Hwy #101
Surrey, BC V3S 7Y3 - Hours · Pacific Time
- Monday–Friday: 9:00 a.m.–5:00 p.m.
Saturday: 9:00 a.m.–4:00 p.m.
18737 Fraser Hwy #101Surrey, British Columbia
Open map ↗People helping people
What Clayton Crossing customers say
Sometimes the best way to get to know a broker is to hear from their customers. See what people have to say about working with our Clayton Crossing team.
Proactive help
“Very happy with the customer service I received. Manu Gupta was very helpful and proactive in getting our insurance sorted. Thank you Manu for your help.”
Better coverage, better cost
“I wish I got the ladies name who helped me today, she was absolutely amazing, she explained everything in detail and helped me find the best coverage for a better Cost then what I was originally paying”
Seven years, no issues
“I’ve been using Western coast insurance services for approximately seven years. It’s convenient to where I live and their customer service has always been very good. In person they are fantastic. I’ve never had an issue and they seem to know what they’re doing.”
Part of your community
Brokers who live
and give back here.
Clayton is one of Surrey’s fastest-growing communities, with dense townhouse developments, newer detached homes and busy commuter routes. From Clayton Heights and East Clayton to Hillcrest and Katzie, our broker supports customers throughout the area.
Whether you’re protecting your Clayton Heights home, commuting along Fraser Highway, renting out a basement suite or running a business nearby, your coverage should fit your life. A townhouse that shares walls with neighbours raises different questions than a detached home with a rental suite.
Your insurance should reflect your home, vehicle, business and how you actually use them. Our brokers can help you look at what makes sense for you rather than taking a one-size-fits-all approach.
Contact your Clayton Crossing broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Clayton Crossing customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insurance we offer in Clayton
Insuring a townhouse, a home with a suite, a commuter car or a business in Clayton? Our local brokers compare options from many of Canada’s leading insurers, so you’re not relying on a single provider.
Home insurance
From newer detached homes in Clayton Heights to townhomes in East and West Clayton, we’ll help you protect your home, belongings and liability, with replacement cost and water protection in mind.
Condo & tenant insurance
Renting a basement suite or owning a townhome in a strata? Tenant and condo insurance can protect your belongings, improvements and liability, and help with your share of a strata deductible.
Business insurance
Running a business in Hillcrest or near Clayton Crossing? We’ll review liability, commercial property and operations coverage that fits how your business works.
Boat, RV & motorcycle
Heading out to the Fraser on weekends or touring on a motorcycle? Tell us how you use and store your boat, RV or motorcycle so your coverage matches your season.
Travel insurance
Planning a family trip or a visit abroad? Compare TuGo travel insurance with our Clayton brokers before you leave.
Your local ICBC Autoplan broker
Renew your ICBC insurance
with our Clayton Crossing team.
Start online and choose Clayton Crossing on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Fraser Highway office, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Clayton risks to review with your broker
Where you live can make a difference to your insurance. From townhouses and rental suites to busy commuter routes and earthquake risk, our Clayton brokers with Western Coast Insurance Services can help you understand what your policy covers, what it doesn’t and whether there are additional options worth considering.
Townhouses and Shared Walls
Many Clayton homes are in dense townhouse developments. In multi-unit housing, a single water event can affect several units at once, and the strata deductible can be passed on to the owner where the damage started. Strong water damage protection and strata deductible coverage are worth a close look.
Ask your Clayton Crossing broker
Review condo & townhome coverage If a leak in my unit damaged my neighbour’s, what would my policy and the strata cover?
Homes with Basement Suites
Many Clayton homes have basement suites. Renting one out can change the coverage your home needs, including liability for tenants and protection for rental income. Let your insurer know about the suite, and ask your tenants to carry their own tenant insurance.
Ask your Clayton Crossing broker
Check your home coverage Do I need to tell my insurer about my basement suite, and is my rental income protected?
Sewer Backup and Drainage
Clayton is close to several Surrey neighbourhoods where older drainage infrastructure can increase the risk of sewer backup, and even newer homes can benefit from added protection. Sewer backup and overland water usually need to be added to a standard home policy.
Ask your Clayton Crossing broker
Review home coverage Is sewer backup included in my policy, and what limit and deductible apply?
Earthquake Coverage
Earthquake coverage is a key consideration for the Surrey region. It isn’t included in a standard BC home insurance policy, but it can usually be added. Your broker can help you understand what it would protect and how the deductible works for a house or townhome.
Ask your Clayton Crossing broker
Explore earthquake protection What would earthquake coverage protect for my townhome, and how is the deductible worked out?
For household preparedness information, visit the City of Surrey’s lowlands and floodplain information.
Your local broker, your questions
Insurance FAQs for Clayton
Commuting on Fraser Highway, renting out a suite or buying a townhome? Here are a few questions Clayton customers often ask.
What types of insurance can I get at Western Coast’s Clayton Crossing broker?
Our Clayton Crossing brokers can help with ICBC renewals and optional car insurance, home, condo and tenant insurance, business insurance, farm insurance, life and travel insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
What are the Clayton Crossing broker’s hours?
We’re at 18737 Fraser Highway, Unit 101. We’re open Monday to Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 4:00 p.m. We’re closed on Sundays.
What does ICBC Basic Autoplan include?
ICBC Basic Autoplan is mandatory for every vehicle registered in BC. It includes $200,000 in third-party liability coverage, Enhanced Accident Benefits for injury care and recovery, Underinsured Motorist Protection of up to $1 million per insured person, and inverse liability where local laws don’t let you claim against the other driver. Many Clayton drivers add optional coverage such as extended third-party liability, collision and comprehensive. Our brokers can help you review which options fit how you drive.
Which insurers do your Clayton brokers compare?
We review coverage options from many of Canada’s leading insurers, such as Aviva, Intact, Economical, Wawanesa, and SGI CANADA and Pembridge for specialty vehicles, homes and farms. Comparing several at once saves you time and helps you understand coverage differences before you choose.
How can I lower the cost of my car insurance in Surrey?
Keep a clean driving record, ask whether you qualify for ICBC’s distance-based discounts, add approved anti-theft devices and choose a higher deductible if it fits your budget. A broker can also compare optional coverage from private insurers, and bundling can lower your overall cost.
Do I need to tell my insurer about a basement suite?
Yes. A rented suite changes how your home is used, and some policies need an endorsement for rental income or tenant-related liability. Not disclosing it could affect a claim. Your tenants should also carry their own tenant insurance for their belongings and liability.
Does townhouse or condo insurance cover water damage from a neighbour’s unit?
Your condo policy can cover your belongings and improvements, and it may help with the strata deductible if the damage is charged back to you. Who pays often depends on where the water came from and your strata’s bylaws, so it’s worth reviewing your limits with your broker.
Is earthquake insurance included with home insurance in Surrey?
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Earthquake coverage is a key consideration for the Surrey region, for houses and townhomes alike.
Earthquake coverage typically includes dwelling coverage to repair or rebuild your home, personal property coverage for belongings like electronics and furniture, and loss-of-use coverage for additional living expenses while your home is repaired.
Earthquake deductibles are often a percentage of your coverage limit rather than a fixed amount, so ask us to show you the dollar figure.
What isn’t usually covered by a standard Surrey home policy?
Most standard policies exclude earthquake damage unless you add an endorsement, overland flood and sewer backup unless you add optional coverage, wear and tear from aging roofs, plumbing or drainage systems, and damage caused by poor maintenance.
Is Western Coast Insurance part of Western Financial Group?
Yes. Western Coast Insurance Services is part of Western Financial Group. Western Coast serves customers in British Columbia while benefiting from the broader nationwide resources of Western Financial Group.
Need claims help? Find Western Coast’s claims reporting information →
More local brokers
Western Coast brokers near Clayton Crossing
Spending time elsewhere in Surrey or the Fraser Valley? These Western Coast brokers can also help with ICBC, home and business insurance.
Cloverdale
Surrey, BC
17730 10 Hwy Unit B, Surrey1-844-802-7610View Cloverdale brokerLangley
Langley, BC
6263 200th St Unit B, Langley1-844-802-7616View Langley brokerGrandview Corners
Surrey, BC
16011 24th Ave, Surrey1-844-802-7614View Grandview Corners brokerYour Clayton Crossing insurance team
Talk to a Clayton Crossing broker or get a quote online.
Have a question or ready to get started? Choose your insurance product online, or call our local team for help with your next step.
Your broker will confirm your coverage and when it starts.
Insurance is subject to insurer eligibility, terms, limits, conditions and exclusions. Policy wording determines coverage.
Western Coast Insurance Services is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.