Auto Insurance

At Northern Savings Insurance Services, we provide a full array of auto insurance products and services. From basic mandatory coverage, to competitive cost comparisons for all your optional insurance needs.

Basic Auto Insurance

Anyone who owns a licensed vehicle in British Columbia is required by law to carry at least minimal insurance coverage. This basic mandatory coverage is provided by the Insurance Corporation of British Columbia (ICBC), the public insurer operated by the Provincial Government.

Basic Mandatory Coverage

Auto insurance provides protection for your assets; it insures against damage to your vehicle.

  • Third party liability
  • Accident benefits
  • Underinsured motorist protection
  • Hit-and-run motorist protection

Optional Auto Insurance

Sometimes you need a little more coverage, that's why Northern Savings Insurance Services offers optional coverages.

Optional auto insurance, provides protection in addition to that offered by your basic automobile insurance policy.


Optional Coverage

Third party liability Expand/Collapse

Up to $5,000,000, protects you for any bodily injury or property damage you do to another party

Road Side Plus / Auto Plus Expand/Collapse

This optional package includes Rental Car Coverage, Loss of Use Coverage, and even Emergency Road Side Assistance

Excess underinsured motorist protection Expand/Collapse

Coverage up to $2,000,000 liability

Comprehensive coverage Expand/Collapse

Protects you from things such: theft, fire, vandalism, earthquake, windstorm, hail, impact with animals, etc.

Replacement cost Expand/Collapse

For vehicles three years old or newer; this coverage guarantees you get a brand new car should your vehicle be involved in a total loss

Collision coverage Expand/Collapse

Protects you for any damage you do to your own vehicle by collision

Motorcycle Insurance

The open road is what motorcycle riders seek, but having the right insurance is essential to ensuring that motorcyclists are adequately covered. In Canada, motorcycle owners must have insurance by law; insurance is offered through ICBC and through private providers.

Insurance rates are provided to motorcyclists based on a long list of variables. Northern Savings Insurance specialists can assist you with finding the best motorcycle insurance for your individual riding experience.