Best car insurance, home insurance, and business insurance in Victoria (Oak Bay), British Columbia
At Victoria's trusted Western Coast Insurance branch at Oak Bay, we’re here to help you find the right coverage for your car, home, and business.
Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, boat insurance, or life insurance, we are your trusted local experts in Victoria, BC and the Oak Bay area with over 100 years of experience.
As brokers for Canada’s top insurance providers, we compare insurance options across Oak Bay and the greater Victoria area, handling the details to find you the best coverage at the right price — insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim.
Contact us today for a FREE quote and protect what matters most!
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At Victoria's trusted Western Coast Insurance branch at Oak Bay, we’re here to help you find the right coverage for your car, home, and business.
Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, boat insurance, or life insurance, we are your trusted local experts in Victoria, BC and the Oak Bay area with over 100 years of experience.
As brokers for Canada’s top insurance providers, we compare insurance options across Oak Bay and the greater Victoria area, handling the details to find you the best coverage at the right price — insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim.
Contact us today for a FREE quote and protect what matters most!
Why Choose Western?
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
Your Trusted Insurance Broker in Oak Bay Victoria, BC
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.
David - Victoria , BC
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.
Eric - Victoria, BC
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.
Waters - Victoria, BC
Your Local Canadian Insurance Broker in Oak Bay, Victoria, BC
At Western, our Oak Bay location is proud to be your neighbourhood insurance partner in one of Victoria’s most established and walkable communities. Conveniently located to serve the area, we support residents of Oak Bay, South Oak Bay, Henderson, Gonzales, Rockland, and nearby neighbourhoods.
Whether you live near Willows Beach, walk through Uplands, commute into downtown Victoria, or run a local business along Oak Bay Avenue, our experienced team is here to help protect what matters most to you.
We take the time to understand your insurance needs so we can match you with the right coverage at the right price.
What Insurance Products We Offer in Oak Bay
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Car Insurance and ICBC Renewals
We provide dependable car insurance and ICBC Autoplan renewals for drivers throughout Oak Bay and Greater Victoria. Whether you drive locally around the neighbourhood or commute into the city core, we offer coverage for personal vehicles, motorcycles, and recreational vehicles.
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Home Insurance
From character homes and waterfront properties in Oak Bay to condos and townhomes nearby, we help protect your home, personal belongings, liability, and additional living expenses.
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Business Insurance
Oak Bay businesses across retail, professional services, hospitality, and personal services can access insurance solutions designed to support property, liability, and day to day operations.
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Life Insurance
We offer life insurance options to help you plan ahead and support your family through every stage of life.
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Travel and Specialty Insurance
For Oak Bay residents who travel often or enjoy active lifestyles, we also offer travel and specialty insurance to support your plans close to home and abroad.
Rooted in the Oak Bay Community
Oak Bay is known for its coastal setting, strong sense of community, and vibrant local culture. From Willows Beach and Oak Bay Marina to neighbourhood schools, parks, and gathering places, we are proud to support customers throughout the area.
This Oak Bay location actively supports students, community gathering spaces, and individuals during times of crisis, helping strengthen the community and support people when they need it most.
Your Western Coast Insurance Services Oak Bay location provides car and truck insurance, ICBC Autoplan renewals, home insurance, business insurance, life insurance, and more, with coverage designed for Oak Bay and Greater Victoria lifestyles.
For over 100 years, Western has been committed to delivering trusted insurance solutions across Canada, including Victoria, Oak Bay, and communities throughout Vancouver Island.
Fast and Simple Way to Compare Insurance Quotes in Oak Bay
Getting started with a quote is quick and easy. Share a few details about your home, vehicle, or business, and our advisors will help compare insurance options that fit your needs.
Why Choose Western
- Local advisors who understand the Oak Bay community
- Access to competitive rates from trusted insurance providers
- Personalized support online, by phone, or in branch
- Bundle and save opportunities across multiple policies
Visit Us in Oak Bay
Visit our Oak Bay location, call 1 866-860-1958 to speak with an advisor, or request an online quote to connect with one of our local insurance experts today.
We are here to help you feel confident, protected, and supported every step of the way.
Most customers are connected with an advisor within minutes for a fast and stress free experience from start to finish.
Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia.
Q: What does an insurance broker do?
A: Western's insurance brokers compare quotes to find the best insurance package at the right price.
Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.
Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!
What do I need to know about car insurance in Victoria, British Columbia?
It’s mandatory for all drivers to purchase car insurance from ICBC to help ensure that they are protected with a basic level of coverage.
Basic autoplan insurance for ICBC includes $200,000 in third-party liability coverage. Third-party liability helps protect you in cases such as non-vehicle property damage or driving out of province, and it can protect you in situations where the law permits the other driver to sue.
If you make a third-party liability claim against the person who's responsible for a car crash and they don't have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you. Basic underinsured motorist protection covers you and members of your household for claims of up to $1 million per insured person.
If you want to increase the amount of coverage you have in the event, you're responsible for a crash, you may want to consider extended third-party liability coverage, an optional Autoplan coverage.
What do I need to know about home insurance in Victoria, British Columbia?
Home insurance isn't mandatory in British Columbia, but most banks or mortgage lenders will require you to purchase home insurance coverage if you have mortgage.
Home insurance helps you protect against: Theft, Fire, Third- party “slip and fall” accidents, Vandalism.
You may want to consider adding earthquake coverage to your home insurance policy to protect you should your home suffer catastrophic damage in an earthquake. Every earthquake insurance policy is different, but typically includes three types of earthquake coverage.
- Dwelling coverage helps cover the cost of repairing or rebuilding your home.
- Personal property coverage helps replace personal property like electronics and furniture.
- Loss-of-use coverage helps cover additional living expenses if you must move out while your home is rebuilt or repaired.
Western Coast Insurance Services Ltd. 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.