ICBC and Private Fleet Policies

Your auto insurance is there to protect you against a financial loss if you are in an accident.  Most people find Auto insurance to be complicated but here at MAXXAM Shopping for insurance is easier because we’ll provide you multiple quotes from competing Insurance companies we represent.

Licensing and insurance is Mandatory
Driving a car is part of every day life and in BC it is mandatory to be licensed and Insured. Everyone must purchase the ICBC Basic Insurance first, but that only covers you for 200,000 Third Liability, medical coverage, lost wages and funeral expenses. This is not enough.
At MAXXAM we are the true specialists can sell you extra liability and own damage because we have exclusive access to a range of specially designed products.

Lets Talk Liability as it pertains to Auto insurance:

Here in BC we call it Third Party Liability. This coverage pays for your legal responsibility to others for bodily injury or property damage. The first party is the Insured, the second party is the Insurance Company and the Third Party is anyone you are legally responsibly to for bodily injuries or property damage. Liability is the most important product when it comes to Auto Insurance.

Own Damage Insurance

We have access to some of the best insurance providers in British Columbia to assist you. Ask us how we can save you money on the following Own Damage products.

1. Collision: This product covers damage to your car from impact with another vehicle, person, object or the surface of the road. You are covered even if you are at fault in the crash. It will also cover the costs of towing, storage, and salvage disposal if needed.

1. Comprehensive: This product covers loss or damage to your vehicle by most causes except those covered by Collision Insurance. We offer a variety of private insurance products to suit your needs.

1. Specified Perils: similar to Comprehensive but only covers limited perils.

We also offer over 27 Special Coverage Products not normally covered under your regular policy.

A Few to view:

Drivers Policy
If you don’t own a car but you drive someone else’s, you may want to boost up the Third Party Liability. We can offer you up to 5 million for liability.

Binder for Owners Interim Certificate of Insurance
If you purchase a vehicle out of Province and you want to drive it back to BC we can provide you with Insurance for your trip home.

Unlicensed Vehicle in Storage Policy
This Policy provides liability and own damage for unlicensed vehicles used off-highway for pleasure purposes, vehicles in storage (vehicles not registered in B.C.) vehicles on consignment and campers.

Conversion Coverage Policy
If you rent out your motor home this is a must. This policy is an own damage policy for excluded risks on the basic form. This policy provides collision, comprehensive or specified perils when loss is due to conversion, concealment, theft or secretion by a person in lawful possession of the vehicle under a written rental or lease agreement.

Excess Special Equipment Endorsement
This product provides excess coverage on the basic form for special sound and communication equipment. If you buy a vehicle and take out the tape deck and put in your own sound equipment there are limits to what is covered.

If you up-grade your truck or jeep with off road equipment we can sell you extra coverage to secure your investment.

How about a special paint job, that’s right, we can cover that too.

Special Policy
This policy is issued to provide coverage’s that are not available under any of the existing policies available. This is usually purchased by customers that have a special requirement on a short-term basis; for example, liability coverage on a farm tractor for the 2-day BC Ploughing Championships. Vehicles displayed at the mall for lottery purposes.

Income Replacement Policy
This policy provides income replacement in excess of the Accident Benefits provided in the Basic Insurance. This product is for people who do not have access to a disability plan. Any contractor, realtor, property manager should consider looking into this one.

Replacement Policy and Limited Depreciation
We have a variety of policies designed to cover the application of depreciation in the event of a loss, Talk to us about the variety of coverage’s.

Keep in Mind
Some Insurance companies may sell you too much Insurance, but  here at  MAXXAM  we can help you modify your policy to make certain that you have the protection you require without paying for extras you don’t need.

We pride ourselves in finding you the best coverage and lowest possible rate.
Because our service is fast, friendly and highly competitive, we can help you to save time, save money, and make the right purchase decision.