ICBC Autoplan Insurance Cloverdale
Come see the car, truck, & fleet insurance specialists in Cloverdale with more than 50 years of experience with ICBC insurance.
Cloverdale Office
Address: 801 - 17685 64 Avenue, Surrey, B.C. V3S 1Z2
Phone: 604-576-8665
Fax: 604-576-1709
Email: cloverdale@pookinsurance.com
Hours:
Monday – Friday: 9:00 am – 6:00 pm
Saturday: 9:00 am – 5:30 pm
Sunday: Closed
Our Cloverdale office is located in the Cloverdale Crossing Mall at 176 Street and 64 Avenue. We are conveniently located beside Starbucks and London Drugs.
Renew ICBC Insurance Online
Can't visit our office? We offer online insurance renewals and policy changes via phone & email. Complete our short form & the next available agent will call you.
The Family Difference: Service You Can Trust
Peter Pook Insurance has proudly served the Cloverdale community with ICBC Autoplan Insurance for over 50 years.
As a trusted name in ICBC Autoplan insurance, we assist our loyal customers with renewals, ownership transfers, policy coverage changes, and personalized insurance advice.
Whether you need help with personal or commercial policies, our experienced team is here to guide you through everything ICBC has to offer.
As a local family-owned and operated business, we pride ourselves on providing a personalized level of insurance service that’s increasingly rare in today’s fast-paced world.
No Commissions, No Sales Pressure
Unlike most insurance brokers, we don’t pay our employees commissions. Instead, we offer above-average salaries to ensure our team is focused solely on providing exceptional customer service and expert insurance advice—without the pressure of earning commissions.
Why does this matter to you?
It means you’ll receive honest, tailored advice that suits your unique needs, without any pressure to buy unnecessary coverage. Our agents prioritize your best interests, free from hidden incentives or upselling tactics.
Important New ICBC Changes
As of May 2021, ICBC introduced significant changes to the BC vehicle insurance system, including the Enhanced Care model, which reduces premiums and shifts to a no-fault insurance approach.
ICBC Income Top Up
Under ICBC's Enhanced Care model, BC drivers can no longer sue for injury-related lost wages. Instead, ICBC provides income replacement up to 90% of your gross income, capped at an (adjusted for inflation) annual limit. For more information on Income Top-Up Coverage and up-to-date income limits please click the button below:
Hit & Run Coverage Changes
Hit & Run coverage is no longer included with basic insurance. Most drivers are unaffected, as Collision coverage automatically includes Hit & Run protection with the same deductible. For those without Collision coverage, Hit & Run coverage can be purchased separately with a $750 deductible. Contact one of our offices for a quote or any questions.
Uber, Lyft, & Peer-to-Peer Rentals
If you use your vehicle for Uber, Lyft, food delivery (e.g., Skip the Dishes, Uber Eats), or rent it out to other people on platforms like Turo, additional insurance may be required. We're here to ensure your vehicle is properly insured, protecting you in case of a claim.
Optional Insurance Coverage
Basic insurance is mandatory to drive on BC highways, but it often provides limited protection. We recommend adding optional insurance coverage to safeguard your personal assets in case of a major accident.
Optional coverage includes:
- Third-Party Liability: Limits from $300K to $5 million.
- Collision Coverage: Protects your vehicle after a crash. Also includes Hit & Run.
- Comprehensive Coverage: Covers fire, theft, vandalism, and more.
- Hit & Run Coverage: Hit and Run coverage covers up to $200,000 of repair costs when your vehicle is hit by an unidentified driver in B.C.
- Note: If you don't have Hit and Run coverage or Collision coverage, you'll be responsible for repair costs if your vehicle is damaged in a hit and run incident.
Additional optional coverages are available, and we’d be happy to explore them with you in person or on the phone.
How Do Deductibles Work?
A deductible is the amount you pay out-of-pocket when making an insurance claim.
For example:
- If your deductible is $300, you pay the first $300 of a collision claim and insurance covers the rest.
- If your deductible is $1,000, you pay $1,000 up-front and your insurance covers the rest.
Why Choose a Higher Deductible?
- Advantage: Lower monthly insurance premiums.
- Disadvantage: Higher out-of-pocket costs if you make a claim.
Deductibles help insurance companies reduce small claims and offer flexible pricing options to suit different budgets.
What deductible options are available?
Frequently Asked Questions
To renew your ICBC insurance, simply bring your BC Drivers License into our office and we’ll take care of the rest.
At Peter Pook Insurance, we exclusively offer ICBC Autoplan insurance for cars and trucks. Many private insurers have exited the province following ICBC's shift to the Enhanced Care model. However, we do provide private insurance for motorcycles, off-road vehicles, travel trailers, and more — just not for cars and trucks.
In order to legally transfer vehicle ownership, the new buyer must be present in our office and bring the following 4 things:
- Government Issued Photo ID (2 pieces)
- Signed Transfer Paper (signed by seller & buyer)
- Signed Vehicle Registration (signed by seller)
- Payment Method (Void cheque for monthly payments, or credit, debit, cash, cheque)
Tax on all new and used cars is 12% if the sale value is under $55,000. If your new or used vehicle costs more than $55,000, then you will need to pay an additional ‘luxury tax’ that varies based on purchase price. Please refer to: https://www.icbc.com/brochures/pst-on-vehicles
Your ICBC Autoplan insurance covers you and your vehicle anywhere in Canada or the United States. Mexico and overseas countries are not covered.
Renew ICBC Insurance Online
Can't visit our office? We now offer online ICBC insurance renewals & policy changes. Simply complete our short form and the next available agent will contact you shortly.
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