Western Coast Insurance · Oak Bay, Victoria
At Victoria’s Western Coast Insurance broker in Oak Bay, we help you find the right car insurance, home insurance, and business insurance, including ICBC renewals. Our local brokers serve Oak Bay, South Oak Bay, Henderson, Gonzales, Rockland and nearby neighbourhoods.
2067 Cadboro Bay Rd · Victoria, 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.
Oak Bay Broker Location Details
Your Western Coast team in Oak Bay. 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 people have to say about working with our Oak Bay team.
“I have dealt with West Coast Insurance for years and have been very satisfied with their service. This year I dealt with Amandeep Kaur for the first time and I must say she was was outstanding to deal with. Her advice as to how to proceed going forward with my insurance saved me a considerable amount of money and actualy improved the overall coverage.”
“Got travel insurance + a family member renewed her car insurance here. Everything was explained well, and they picked out a good plan for our needs. Great people.”
“I cannot say enough about my dealings with Western Coast Insurance. They have been amazing!!! The office was very friendly and the staff as well, went out of their way to assist me. I cannot thank them or reccommend their services enough. I am so grateful for all of their help and for feeling taken care of and not taken advantage of. If you are in search of an amazing company, look no further!!! All the best to all of them, I will be returning for all of my Insurance services.”
Part of your community
Our Oak Bay broker is your neighbourhood insurance partner in one of Victoria’s most established and walkable communities, serving Oak Bay, South Oak Bay, Henderson, Gonzales, and Rockland.
Whether you live near Willows Beach, walk through Uplands, commute into downtown Victoria or run a shop along Oak Bay Avenue, the details of where and how you live shape your coverage. Owning a waterfront property will mean you have different questions from owning a character home a few blocks inland, and a café or boutique business owner has different needs again.
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 Oak Bay broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Oak Bay customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insuring a character home, a car, a boat or a business in Oak Bay? Our local brokers compare options from multiple insurers, so you’re not relying on a single provider.
Renew your ICBC insurance on Cadboro Bay Road, Monday to Saturday, with Friday hours until 6:00 p.m. Driving around the village or commuting into the city core? We’ll review optional car insurance such as collision, comprehensive and extended liability.
From character homes in Uplands and Rockland to waterfront properties near Willows Beach, Oak Bay homes often have features that cost more to rebuild. We’ll review rebuilding limits, by-law coverage and earthquake options.
Living in a condo or townhome near Oak Bay Village, or renting a suite? Your strata or landlord insures the building, not your belongings or personal liability. We’ll help you cover what’s yours.
From retail and hospitality on Oak Bay Avenue to professional and personal services, local businesses face different risks. We’ll review property, liability and day-to-day operations coverage that fits how you work.
Keeping a boat at Oak Bay Marina or exploring the Island by RV or motorcycle? Tell us where it’s kept and how often it’s out so your coverage fits the way you use it.
Travelling often or heading somewhere warm for the winter? Our Oak Bay brokers can help you compare TuGo travel insurance before you go, so you know what your plan covers.
Your local ICBC Autoplan broker
Start online and choose Oak Bay on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Cadboro Bay 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 can make a difference to your insurance. From low-lying shoreline and character homes to earthquake risk, our Oak Bay 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.
The District of Oak Bay plans for evacuations from low-lying areas along its shoreline in the event of a tsunami, which would most likely follow a strong earthquake. Earthquake damage isn’t generally included in a standard BC home insurance policy, but coverage may be available as an add-on. Your broker can help you understand what it would protect and how the deductible works.
If my home is near the shoreline, how would my policy respond after a major earthquake?
Waterfront living near Willows Beach and the Oak Bay shoreline comes with exposure to winter storms, wind-driven rain and water getting where it shouldn’t. Coverage for different kinds of water damage varies a lot from policy to policy, so it’s worth knowing exactly how yours responds to storm damage, sewer backup and overland water.
Which types of storm and water damage would my policy cover at a waterfront home?
Many Oak Bay homes have original materials, detailed millwork and older systems that can cost more to replace than a standard build. A rebuild may also need to meet today’s building codes. Ask your broker whether your rebuilding limit reflects those costs and whether by-law coverage, which helps with code-upgrade costs, is included or worth adding.
Would my policy cover the cost of rebuilding my home to today’s codes and with similar materials?
Retail, hospitality and service businesses along Oak Bay Avenue rely on steady foot traffic, staff and suppliers. A fire, water leak or storm damage can close a shop for weeks even when the cause starts next door. Business interruption insurance may help with lost income and ongoing expenses after a covered loss. Your broker can help you check your limits and how long the coverage lasts.
If damage forced my shop to close for a few weeks, how long would my business interruption coverage last?
For household preparedness information, visit the District of Oak Bay’s Emergency Program.
Your local broker, your questions
Renewing ICBC, insuring a character home or planning a trip? Here are a few questions Oak Bay customers often ask.
Our Oak Bay brokers can help with ICBC renewals and optional car insurance, home and condo insurance, tenant insurance, travel insurance, boat insurance and business insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
You can renew at our broker at 2067 Cadboro Bay Rd. We’re open Monday to Thursday and Saturday from 9:00 a.m. to 5:00 p.m., and until 6:00 p.m. on Fridays. We can also look at optional coverage like collision, comprehensive and extended liability while you’re here.
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 Oak Bay 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.
Basic Autoplan includes $200,000 in third-party liability coverage, which protects you if you’re responsible for injuring someone or damaging their property. Extended third-party liability is optional coverage that raises that limit. Many drivers choose higher limits because a serious claim can exceed the basic amount. Your broker can walk you through the options.
The District of Oak Bay identifies low-lying areas along the shoreline as its tsunami risk area and has evacuation plans for them. Check the District’s emergency program information for your address, and sign up for local alerts.
From an insurance point of view, it’s worth asking your broker how your home policy would respond to earthquake and water damage, and whether earthquake coverage is included.
It depends on your policy and limits. Rebuilding a heritage or character home can cost more because of original materials and craftsmanship, and a rebuild may need to meet current building codes. Your coverage should reflect the true cost to rebuild, not market value, and by-law coverage can help with code-upgrade costs. A broker can help you review both.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Because Oak Bay plans for tsunami evacuation along its low-lying shoreline after a strong earthquake, it’s worth reviewing with your broker.
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.
Home insurance isn’t legally required in BC, and once your mortgage is paid off no lender will ask for it. But without it you’d be responsible for the full cost of repairing or rebuilding your home, replacing your belongings and covering liability if someone is hurt on your property, so most homeowners keep it.
Yes. Our Oak Bay brokers can help you compare TuGo travel insurance based on your destination, how long you’ll be away and your eligibility. It’s worth arranging before you leave, especially for longer winter trips, so you know what your plan covers.
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 Greater Victoria? These Western Coast brokers can also help with ICBC, home and business insurance.
Victoria, BC
1150 Douglas St, Victoria1-844-802-7603View Bay Centre brokerVictoria, BC
3750 Shelbourne St, Victoria1-844-802-7622View Shelbourne brokerVictoria, BC
3170 Tillicum Rd #169, Victoria1-844-802-7627View Tillicum brokerYour Oak Bay 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.
