British Columbia Optional Car Insurance Coverage

Drivers in British Columbia are required to buy liability insurance coverage under a government-administered plan. They also have the option of buying other types of insurance coverage if they wish, including the following:

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This type of insurance coverage pays for the cost of repairing a driver’s own vehicle when it has been damaged by hitting another vehicle, an object in the road or an individual. It also provides coverage for towing charges and salvage disposal if the car is totaled.

Deductibles for this type of coverage start at $300. Customers with a history of at-fault car accidents may be told they can only buy collision coverage with a relatively high deductible.


Comprehensive insurance coverage pays for the cost of repairing or replacing a broken windshield on a vehicle. It also pays out when a car has been damaged or destroyed by any of the following:

  • Severe weather (lightning, hail, wind, flooding)
  • Theft or vandalism
  • Falling or flying objects, including rocks or gravel
  • Fire
  • Earthquake
  • Rioting or acts of civil disobedience
  • Hitting an animal

To get the best rates for optional car insurance coverage in British Columbia, customers should shop around and compare offerings from several companies. Customers in the province can get quotes from one of 900 licensed insurance brokers, which makes it easy and convenient to do so.

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