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PERSONAL CAR INSURANCE

Stay insured on and off the road with guaranteed protection.

Renew Your Policy Here

“Need car insurance that fits your life (and pocket)?

We offer a variety of private motor insurance options, from  from bells and whistles comprehensive to pocket-friendly third-party and everything in between. Plus:

  • Flexible payments: Spread out the cost up to 9 months!
  • Simple decisions: We explain everything in plain English, so you know exactly what you’re covered for.
What We Offer

Comprehensive

Third Party Fire & Theft
MiniMax
Third Party
100% Premium Financing from 4 up to 9 months
Special rate for drivers aged 65 and older
No Fault Discount
Accidental damage to your vehicle
If damage is caused by collison up to $3000
Damage to your vehicle from fire
Theft of your vehicle
Unlimited Windscreen Replacement

Unlimited in amount

Legal fees should you be charged with manslaughter
$7,500 per event

$7,500 per event

$7,500 per event
$7,500 per event
Third party limits of liability

  • $10,000,000 anyone person

  • $30,000,00 any one accident

  • $1,000,000 property damage

BCIC Assist – Roadside Assistance
We provide accident scene and roadside assistance 24 hours a day, 365 days a year, islandwide
Wrecker Fee

Accident $350 per event

Personal injury resulting in death or permanent injuries to you
$7,500 per event
Medical Expenses (including passengers)
$500 per person, $1,500 per accident
Contribution to Loss of Use of your vehicle
$100 per day, maximum 5 days per event
Loss or damage to the Insured’s personal belongings resulting from accident, fire or theft
$1,250
New Vehicle Replacement
If your new car is severely damaged or stolen we will replace it at no additional cost
Rental Car Benefit
If your new car is severely damaged or stolen we will replace it at no additional cost
FREE with EV Policy Add on the use of a rental car for up to 3 weeks if your car has been in in an accident

PRIVATE CAR FAQ’S

Answers For You.

Yes, This is required by law in order to drive any vehicle legally on the road. You must be able to cover Liability or responsibility to other persons referred to as third parties in the event of an accident.

Yes. If you would like to upgrade or increase your cover you can request this at your nearest BCIC branch , agent or broker office. Fees may vary depending on your vehicle.

Yes. You can cancel at any time simply by sending us an email or calling in to speak with a representative.

Yes. You can be entitled to a refund  based on the remaining balance and period left on your policy and if a claim payment is required under your policy. 

Yes. You can insure as many vehicles as you need to under your name.

This is a document used to prove that your vehicle is insured. You will receive this once you have provided all the documents required along with a confirmation of payment for your policy. 

No. A certificate of insurance is required for each vehicle and must identify the vehicle to which it relates

Yes we do! Our Electric Vehicle Insurance Policy helps to protect your electric vehicle against loss or damage. Click here to learn more about our Electric Vehicle Policy.

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