Your local insurance
broker on the Westshore

Our Westshore brokers can help with ICBC renewals and optional car insurance, home, condo and 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.

Yes. Our Jacklin Road broker is open seven days a week: Monday to Friday from 9:00 a.m. to 6:00 p.m., Saturday from 9:00 a.m. to 5:00 p.m., and Sunday from 11:00 a.m. to 4:00 p.m. It’s an easy option if you commute during the week.

Every driver in BC must carry ICBC Basic Autoplan. It includes $200,000 in third-party liability coverage, accident benefits for medical treatment and recovery, Basic Vehicle Damage Coverage of up to $200,000, Underinsured Motorist Protection of up to $1 million and inverse liability protection. Many Westshore drivers add optional coverage on top.

Driving on the Westshore means a mix of highway travel, growing neighbourhoods and busy commuter routes like Highway 1 and Veterans Memorial Parkway. Many drivers add collision coverage for repairs after an at-fault crash, comprehensive coverage for theft, vandalism, fire and weather damage, and higher third-party liability limits.

A clean driving record helps you qualify for lower premiums. You can also ask whether you qualify for ICBC discounts, such as for driving fewer kilometres, add approved safety or anti-theft features, and choose a higher deductible if it fits your budget. A broker can compare optional coverage from multiple insurers for you.

No. Driving without valid insurance anywhere in British Columbia, including the Westshore, 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.

Most Westshore homeowners look for dwelling coverage based on local rebuild costs, personal property coverage for the home, garage and storage, personal liability, and additional living expenses if the home can’t be lived in during repairs.

Sewer backup and water damage coverage are worth considering, especially for homes with finished basements, crawlspaces or properties near slopes and drainage pathways.

No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Earthquake coverage is generally recommended across Greater Victoria, including the Westshore.

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.

Most standard policies don’t include earthquake damage, sewer backup or overland water damage unless you add that coverage. They also exclude wear and tear from aging roofs, plumbing or electrical systems, and damage caused by a lack of regular maintenance. We can help you decide which optional coverage makes sense for your home and location.

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.