Western Coast Insurance · Shelbourne, Victoria
Our broker on the Shelbourne corridor is your neighbourhood insurance partner in east Victoria and Saanich. Our brokers help residents of Gordon Head, Cedar Hill, Hillside Quadra, Oaklands and the area around UVic and Mount Tolmie with car insurance, ICBC renewals, home and tenant insurance, and business insurance.
3750 Shelbourne St · 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.
Shelbourne Broker Location Details
Your Western Coast team in the Shelbourne area. 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 Shelbourne team.
“I am so grateful to have had the opportunity to get my insurance from Karan Singla at Western Coast Insurance Services. I just moved to British Columbia and he has been so helpful and responsive to all of my questions and emails. He has responded promptly and kindly. I feel so grateful that my insurance is being managed by such a diligent and kind person.”
“Raj & Kal were super helpful and very patient with helping me get my out of province car across! 10/10 recommend and definitely using them for my insurance needs going forward.”
“I’ve been a customer with Coast Capital Insurance for over 30 years and more recently Western Coast Insurance. I had a tree from a neighbours property hit one of my outbuildings and do substantial damage a couple of years ago. It took a while for the contractor to come and check the damage. We did get a quote and the work got done. Happy with the way Western Coast handled this.”
Part of your community
The Shelbourne area is known for its connected neighbourhoods, schools, parks and everyday amenities. From Mount Tolmie and Cedar Hill Park to community centres and local shops, our broker supports customers across Gordon Head, Cedar Hill, Hillside Quadra and Oaklands.
Whether you’re a long-time homeowner near Cedar Hill Golf Course, a student renting close to the University of Victoria, a driver commuting along Shelbourne Street or an entrepeneur running a local business, your insurance should fit your life. Owning a family home with mature trees in Gordon Head is going to raise different questions from starting a coffee shop downtown.
Your insurance should reflect your home, vehicle, business and how you actually use them. Our brokers can help you take a personlized look at what makes sense for you rather than taking a one-size-fits-all approach.
Contact your Shelbourne broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Shelbourne 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 first rental, a car or a business in East Victoria? Our Shelbourne brokers compare options from multiple insurers, so you’re not relying on a single provider.
Renew your ICBC insurance on Shelbourne Street, Monday to Saturday, with Fridays until 6:00 p.m. Driving Hillside, McKenzie or through Gordon Head every day? We’ll review optional car insurance such as collision, comprehensive and extended liability.
From single-family homes in Cedar Hill and Gordon Head to townhomes near Shelbourne Plaza, your home and yard shape your insurance. We’ll review rebuilding limits, coverage for outbuildings and trees, and earthquake options.
Renting near UVic or own a condo by Shelbourne Plaza? Your landlord’s or strata’s policy doesn’t protect your laptop, bike or personal liability. Tenant and condo insurance can, often for less than you’d expect.
From retail and hospitality along the Shelbourne corridor to trades and professional services, local businesses face different risks. We’ll review liability, property and operations coverage that supports day-to-day work and long-term growth.
Off to the water on a weekend or riding out to the Peninsula? Tell us how you actually use and store your boat, RV or motorcycle so your coverage fits your unique usage.
Studying abroad, visiting family or planning a winter trip? Our Shelbourne brokers can compare TuGo travel insurance for where you’re going and how long you’ll be away.
Your local ICBC Autoplan broker
Start online and choose Shelbourne on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Shelbourne Street 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 mature trees and winter storms to newcomers’ vehicles, rentals and earthquake risk, our Shelbourne 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 homes in Gordon Head and Cedar Hill sit among large, mature trees, and winter storms are among the extreme weather the region plans for. A fallen tree, even one from a neighbour’s yard, can damage a roof, fence or outbuilding. Home insurance often covers storm damage, but limits for tree removal and detached structures vary, so it’s worth checking yours.
If a neighbour’s tree came down on my garage or shed, what would my policy cover?
Students, new faculty and families moving to the area often arrive with a vehicle registered elsewhere. Getting it registered and insured in BC can involve extra steps, and the paperwork from your previous insurer matters too. Our brokers can walk you through what to bring and help you set up ICBC coverage and any optional protection.
I just moved here with my car. What do I need to bring to get it insured in BC?
Renting a suite or sharing a house near the university is common around Gordon Head. Your landlord’s policy covers the building, not your belongings or your liability if a fire or leak starts in your unit. Tenant insurance can cover your things, temporary living costs and personal liability, and some landlords require it.
As a student renter, how much tenant insurance do I need, and what would it cover?
Greater Victoria’s seismic risk applies to east Victoria and Saanich too. 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, how the deductible works and whether it makes sense for your home or condo.
Does my policy include earthquake coverage, and what would I pay before it applies?
For household preparedness information, visit the Capital Regional District’s emergency preparedness information.
Your local broker, your questions
New to BC, renting near campus or insuring a family home? Here are a few questions Shelbourne customers often ask.
Our Shelbourne brokers can help with ICBC renewals and optional car insurance, home and condo insurance, tenant insurance, business insurance, travel insurance and other personal insurance needs. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
You can renew at our broker at 3750 Shelbourne St. 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.
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 Victoria 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.
You’ll need to register and insure the vehicle in BC, and it may need an inspection first. Bring your identification, the vehicle’s ownership documents and any driving-history information from your previous insurer, which can affect your rate. Our brokers can walk you through each step and set up your coverage.
It isn’t required by law, but some landlords require it, and it protects your belongings and your liability if something goes wrong in your unit. If a parent has home insurance, check whether it extends to a student living away from home, as this depends on the insurer and policy.
Often, yes, when a tree is brought down by a covered event like a windstorm, even if it came from a neighbour’s property. Limits for removing the tree and for detached structures like garages and sheds vary by policy, so it’s worth checking yours before storm season.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Greater Victoria’s seismic risk applies to east Victoria and Saanich too, so 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.
Yes, but let your insurer know. A rented suite can change your liability and the coverage your home needs, and some policies need an endorsement for rental income or tenant-related risks. Your tenant should also carry their own tenant insurance.
Yes. We offer life insurance options to help support your family and plan for the future. Ask our Shelbourne team about the options available and what you’d need to apply.
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
Live or work elsewhere in Greater Victoria? These Western Coast brokers can also help with ICBC, home and business insurance.
Victoria, BC
2067 Cadboro Bay Rd, Victoria1-844-802-7618View Oak Bay brokerVictoria, BC
777 Royal Oak Dr, Victoria1-844-802-7605View Broadmead brokerVictoria, BC
1150 Douglas St, Victoria1-844-802-7603View Bay Centre brokerYour Shelbourne 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.
