Western Coast Insurance · Cambie Road, Richmond
Our Cambie Road broker is your neighbourhood insurance partner in one of Metro Vancouver’s most diverse and vibrant communities. We help residents of East Richmond, West Cambie, Bridgeport, Ironwood, Broadmoor, Sea Island and the surrounding neighbourhoods with car insurance, ICBC renewals, home insurance and business insurance.
11911 Cambie Rd · Richmond, BC
Advice, Coverage, and ongoing support
We explain what’s covered, what isn’t and where your limits are, in plain language, so you know what your policy actually protects.
We’ll walk you through your plan, including what you may need to pay out of pocket if you make a claim.
We compare coverage, limits and pricing across multiple insurers to help you find an option that fits your needs and budget.
We look for areas where you may not have enough protection, so you can address them before you need to make a claim.
Buying a home, renovating, adding a driver or starting a business? We’ll help make sure your coverage keeps up as things change.
We’re here to help you understand your coverage and guide you through the next steps.
Cambie Broker Location Details
Your Western Coast team in Cambie. Find our contact details, hours and location below.
People helping people
Sometimes the best way to get to know a broker is to hear from their customers. See what Metro Vancouver people have to say about working with our Cambie team.
“Big thank to Ann for her patience and professional expertise on my phone inquire of my auto insurance.”
“Great place to get icbc insurance related services. There was no wait, staff spoke softly, everything was explained to me in detail. It was a breeze to get everything I needed. I was in and out with no time. Loved the service provided. Thank you staff.”
“Only use them now, fast and friendly service. Renewed my auto over the phone in about five minutes.”
Part of your community
Richmond is known for its waterfront lifestyle, cultural diversity and thriving local economy. From quiet residential pockets in East Richmond to Bridgeport, Sea Island and the airport, our Cambie Road broker supports customers across the city.
Whether you’re a long-time homeowner, commuting into Vancouver over the Oak Street or Knight Street bridges, working at YVR, running a logistics business or raising a family, your coverage should fit your life. A family home in Broadmoor and a warehouse near Bridgeport face very different risks, as does a local Cambie condo owner.
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 Cambie broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Cambie customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insuring a family home, a commuter car or a business near the airport? Our Cambie brokers compare options from leading insurers, so you’re not relying on a single provider.
Renew your ICBC insurance on Cambie Road, Monday to Saturday, with Fridays until 6:00 p.m. Crossing the Oak Street or Knight Street bridge every day? Ask us whether your liability limit and collision deductible still suit your commute.
From single-family homes in Broadmoor and Seafair to townhomes in West Cambie, we’ll help protect your property, belongings and liability, with full replacement cost and local water risk in mind.
Own a townhome or condo in West Cambie, or rent nearby? Condo and tenant insurance can protect your belongings, upgrades and liability, and help with a strata deductible.
Richmond businesses in retail, hospitality, logistics, aviation and professional services can access insurance that protects commercial property, liability and operational risks.
Taking the boat out on the Fraser or touring on a motorcycle? Tell us how you use and store it so your coverage matches.
Work at YVR and/or travel often? Compare TuGo travel insurance with our Cambie brokers, including multi-trip plans for frequent flyers.
Your local ICBC Autoplan broker
Start online and choose Cambie on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Cambie Road office, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Where you live and work can make a difference to your insurance. From low-lying land and bridge commutes to logistics businesses and earthquake risk, our Cambie 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.
Many Richmond homes are built on flat, low-lying land near the Fraser River and local drainage systems. The City notes average rainfall intensity has risen about 15% over the past 20 years. Sewer backup and overland water coverage are important for many Richmond neighbourhoods, including Cambie.
Would my policy cover water that backs up through my floor drain in a heavy storm?
Many Cambie customers cross the Oak Street or Knight Street bridges, or drive Highway 99, every day. Heavy traffic and busy intersections mean more exposure to collisions. Collision, comprehensive and higher liability limits are worth reviewing for daily commuters.
Is my liability limit high enough for the amount of driving I do?
Warehouses, freight, aviation services and trades near Bridgeport and Sea Island carry risks around stock, equipment, vehicles and contracts. Commercial property, cargo and liability coverage can be tailored to how your business operates.
Is the stock in my warehouse covered while it’s in transit or at a client’s site?
Richmond sits on the Fraser River delta, and a strong earthquake would affect homes across Metro Vancouver. Standard BC home policies leave earthquake damage out, so it’s a separate add-on. Our Cambie team can walk you through the coverage, the percentage-based deductible and what it would cost to add.
What would earthquake coverage protect for my home, and what would I pay first?
For household preparedness information, visit the City of Richmond’s flood protection information.
Your local broker, your questions
Commuting over the bridges, working at YVR or running a business? Here are a few questions Cambie customers often ask.
Our Cambie brokers can help with ICBC renewals and optional car insurance, home, condo and tenant insurance, business insurance, life and travel insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
Yes. Many customers renew by phone in just a few minutes. You can also visit us at 11911 Cambie Road, Monday to Saturday from 9:00 a.m. to 5:00 p.m., and until 6:00 p.m. on Fridays.
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 Richmond 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.
Keep a clean driving record, ask about ICBC’s distance-based discounts if you drive fewer kilometres, add approved safety or anti-theft features, and choose a higher deductible if it fits your budget. A broker can also compare optional coverage from different insurers.
No. Driving without valid insurance anywhere in British Columbia, including Richmond, is illegal. Drivers caught without insurance typically face a $598 fine, and additional penalties may apply if you can’t produce insurance documents or your licence plate decals are missing or expired.
Look for dwelling coverage at full replacement cost, personal property coverage for belongings in your home, storage areas and garage, personal liability, and additional living expenses. Sewer backup, overland water and earthquake coverage are important for many Richmond homes.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Richmond is built on the soft soils of the Fraser River delta, and the region shares Metro Vancouver’s seismic risk, so many homeowners add it.
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.
It depends on what you move and where. Many start with commercial general liability, property coverage for buildings and equipment, and cargo or goods-in-transit coverage. Contracts with clients or the airport may set minimum limits, so bring them when we review your options.
We’ll ask about the year your home was built, renovations, roof age, square footage, construction type and heating, plus safety features like monitored alarms, sprinklers, backwater valves and sump pumps, which can help with discounts, and your claims history.
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
Spending time elsewhere in Richmond or Vancouver? These Western Coast brokers can also help with ICBC, home and business insurance.
Richmond, BC
6253 No. 3 Rd, Richmond1-844-802-7620View Richmond Centre brokerRichmond, BC
3960 Chatham St #100, Richmond1-844-802-7625View Steveston brokerVancouver, BC
445 W Broadway, Vancouver1-844-802-7628View West Broadway brokerYour Cambie insurance team
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.
