ICBC Autoplan Insurance in Cloverdale

Peter Pook Insurance has been providing ICBC Autoplan Insurance in Cloverdale since 1973, when ICBC was first created. However, our history with car insurance spans all the way back to 1959 when Peter first started the brokerage. Our company has provided knowledgable car and truck insurance advice to our clients ever since.

Cloverdale Office Location

Address: 801-17685 64th Avenue, Surrey, BC  V3S 1Z2

Phone #: 604 576 8665

Fax #: 604 576 1709


Office Hours

Monday – Friday: 9:00 am – 6:00 pm
Saturday: 9:00 am – 5:30 pm
Sunday: Closed

About Peter Pook Insurance

Peter Pook Insurance has been a family-owned and operated business since 1959 all the way up till the present day. Today, four of Peter’s children own and operate the business, with many of Peter’s grandchildren and their spouses now working in the family insurance business too. 

We have four office locations in the Lower Mainland to serve you. They are located in North Surrey, Delta, Cloverdale and Langley. In addition to ICBC Autoplan insurance, we also offer home insurance, condo insurance, and commercial business insurance.

No Commissions, No Sales Pressure

Unlike most insurance brokers, we do not pay our employees commissions. Instead, we’ve opted to pay our employees an above average salary to focus on delivering an outstanding customer service experience with expert insurance advice.

Why does this matter to you?

You can rest assured knowing that our agents will give you the right advice for your unique situation without any pressure to sell you on more insurance than you need. Our agents will provide knowledgable advice without any hidden incentives to make more money from upselling you.

ICBC Autoplan Surrey

ICBC Autoplan Insurance in Cloverdale

We have been a trusted source for ICBC Autoplan insurance in Cloverdale for over four decades helping our loyal clientele with ICBC renewals, transfers of ownership, changes to policy coverage, insurance advice and everything else ICBC offers. We can help with personal and commercial policies.

Senior’s Discounts

We know retirement money is limited, so we strive to help our senior clientele save as much money as possible by ensuring they are aware of the various seniors’ discounts that are available to them.

There are seniors’ discounts available on cars, trucks, motorcycles, and RVs with ICBC.

In addition, ICBC will be offering an additional 10% discount (off the basic insurance rate) for vehicles that are driven less than 5,000 kms per year in 2020. For seniors who don’t drive their car very far, this is a great additional saving.


Changes Coming to ICBC

As you have likely heard in the media, there are some changes coming to ICBC on September 1, 2019. ICBC will now be offering discounts on car’s that are insured year-round and driven less than 5,000 kms.

Owner’s will now need to declare who is driving their vehicle on a regular basis and a percentage of the premium will be determined based on the highest-risk driver’s discount level. This will not affect you if you are the only driver of your vehicle or if all drivers have the same discount level as you.

Our brokers can explain these changes in more detail in the office.

Visit Our Cloverdale Office Today!

#801-17685 64th Avenue, Surrey, BC

Next to Starbucks & London Drugs

Basic Insurance Requirements

In order to legally drive a motor vehicle on a road or highway in British Columbia, every passenger and commercial vehicle must be insured with ICBC for a minimum of $200,000 in liability insurance. This means that if you were to cause an accident, any other party’s involved are covered up to $200,000 in damages.

This $200,000 is used only if you are at fault in the accident and it helps to cover the cost of other people’s bodily injuries, damage to other’s property or vehicles, and the cost of legal services.


In addition to third-party liability, ICBC’s Basic Insurance coverage provides:

  1. Accident Benefits and medical coverage up to $300,000 per person.
  2. Underinsured Motorist Protection up to $1 million per person.
  3. Hit-and-run coverage up to $200,000.
  4. Inverse Liability Coverage – If you’re in an accident where the local laws don’t let you make a claim against the at-fault party, you’re covered under the inverse liability coverage (in Canada and the U.S).

Optional Insurance Coverage

All you are required to have is basic insurance with $200,000 in third-party liability coverage. Additional liability coverage and own damage coverage is completely optional and you have the option to purchase optional coverages with either ICBC or a private insurance company.

What are my options for excess third party liability?

There are many options available for additional third-party liability coverage with ICBC. Your options are:

  1. $300,000
  2. $500,000
  3. $1,000,000
  4. $2,000,000
  5. $3,000,000
  6. $5,000,000

What is a deductible?

An insurance deductible is the amount that the insured must pay when making a claim.

For example, you must pay the first $300 of a collision claim if your deductible is $300. If your deductible is set to $1000, then you must pay $1000 in the event of a claim.

The benefit to choosing a higher deductible is your monthly insurance payment will go down. The disadvantage is you will have to fork over $1000 before your car gets fixed.

Deductibles are a tool insurance companies use to minimize small claims on insurance policies and to be able to offer insurance coverage at different price points depending on the customers budget.


What deductible options are available?

ICBC offers 4 varying deductibles:

  1. $300
  2. $500
  3. $1000
  4. $2500

What is Collision Coverage?

Collision insurance provides coverage to protect your vehicle in the event of an at-fault accident. If you are at-fault in an accident and your own vehicle is damaged with collision coverage, then you simply pay your deductible and ICBC covers the rest of the cost of the claim.


If someone else’s car hits your car, then this is not a collision claim. As long as you are not found to be partially at-fault for the accident, then the other driver’s third party liability will cover the damages to your car.

What is Comprehensive Coverage?

Comprehensive coverage applies to any other type of damage that can be done to your vehicle and that falls outside of the definition of a collision claim. Comprehensive insurance covers incidents such as:

  1. Fire
  2. Theft
  3. Vandalism or Malicious Mischief
  4. Damages caused by falling or flying objects (trees, rocks, etc.)
  5. Weather-related Damages (hail, windstorm, earthquake, rising water, lightning, etc.)
  6. Accidents with live or dead animals
  7. Riot or Civil Commotion

What is Specified Perils Coverage?

Think of specified perils as a super basic version of comprehensive coverage. It covers your vehicle in similar types of non-collision events but is much more limited than comprehensive coverage. The cost of Specified Perils is less than comprehensive but it also covers fewer incidents. Specified Perils covers incidents such as:

  1. Fire
  2. Theft
  3. Weather-related Damages (hail, windstorm, earthquake, rising water, lightning, etc.)
  4. Riot or Civil Commotion

What does Loss of Use coverage provide?

Loss of Use coverage helps when you rely on your car or truck for work purposes or to get to and from work without a substitute option for transportation. When you buy Loss of Use, ICBC will cover the cost of a rental vehicle, taxi or substitute transportation up to the limit outlined in your Loss of Use policy.


Generally, Loss of Use policies have a daily limit and a total limit.


For example; say you purchase loss of use with a $100 per day limit up to a maximum total limit of $1000. This means they’ll cover the cost of a $50/day rental for 20 days, or a $100/day rental for 10 days. There are many different options available for Loss of Use coverage. If you’re interested in Loss of Use coverage, please ask us to review the limits with you when you’re in the office.

Do You Offer Private Auto Insurance at Peter Pook Insurance?

No, at Peter Pook Insurance we only offer ICBC Autoplan insurance for cars and trucks. We have chosen not to offer private insurance to our clients for a number of reasons.

Benefits of buying full coverage with ICBC Autoplan insurance:

  1. Choose any body shop to fix your car.
  2. Small claims and repairs are fixed quickly.
  3. ICBC will always have the ability to pay out on a claim.

If you’re looking for ICBC Autoplan insurance in Cloverdale, then please come visit our office in the Cloverdale Crossing Mall at 176 Street and 64 Avenue. We are conveniently located beside Starbucks and London Drugs.

Visit Our Cloverdale Office Today!

#801-17685 64th Avenue, Surrey, BC

Next to Starbucks & London Drugs

Frequently Asked Questions

What Do I need to Renew my ICBC Insurance?

To renew your ICBC insurance, simply bring your BC Drivers License or your “Notice To Renew” from ICBC into our office and we’ll take care of the rest.

What Do I need to Buy or Sell a Car?

In order to legally transfer vehicle ownership, the new buyer must be present in our office and bring the following 4 things:

  1. Government Issued ID
  2. Signed Transfer Paper (signed by seller & buyer)
  3. Signed Vehicle Registration (signed by seller)
  4. Payment Method (Void cheque for monthly payments, or credit, debit, cash, cheque)

What is the tax on a new or used car?

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. The higher the price, the higher the percentage on tax.

Is Your Car or Rental Car Insured if You Drive in Mexico?

No, your ICBC Autoplan insurance and Roadstar or Roadside Plus Rental Vehicle coverage does not include coverage if you drive your vehicle into Mexico. ICBC coverage protects you and your vehicle anywhere in Canada or the United States only. All other countries are not covered. If you do decide to drive your car down to Mexico or rent a car in Mexico, then you will need to purchase insurance from an insurance company in Mexico before driving in the country.