Frequently Asked Questions

Most policies (excluding recreational vehicle policies) will allow monthly pre-authorized chequing which takes an automatic withdrawal directly from your account monthly (a void cheque and authorization form are required).

We also accept cash, cheque, and credit card payments.

Most insurance companies review property claims during the past 5 years. These claims could affect your premium, deductible and/or coverage depending upon your situation.

Replacement cost ensures that if you suffer a loss, your insurer will replace the stolen or damaged item with a new one of like kind and quality rather than calculating the depreciated value of the object in question. Simply stated – you receive new for old.

Guaranteed replacement cost refers to the building. It comes into play only if you suffer a major loss – typically, if you have a major fire loss. Insurance policies cover your house and personal belongings, not the land on which it sits. If the appraiser's estimate of the building cost is too low, it may cost more to rebuild your house than the total amount of your policy. "Guaranteed replacement cost," means the policy limit will be exceeded if necessary. Most people know the market value of their home, but they don't know what it would cost to rebuild, which could be higher or lower than the insured building value.

We use a replacement cost or home evaluation calculator, which takes into consideration:

  • The square footage of your home
  • The year your home was constructed
  • Updating information (roof, plumbing, electrical wiring, heating)
  • The type of construction (standard, custom, luxury) as well as building materials used (e.g. frame, brick)
  • Features and finishes

When setting up or reviewing your policy:

  • Choose higher deductibles if you have the financial resources to do so.
  • Check to see what valuables you may have as scheduled articles and consider whether or not you would like to incorporate those into the main policy or whether a special limits endorsement would suffice.
  • Inquire about discounts, such as a mortgage-free or monitored alarm discount.

When your policy is in force:

  • Avoid filing minor claims if you can afford to pay for the damage out of existing resources.
  • Protect your insurance record and avoid untimely cancellation by paying your premiums on time.

If you’re unsatisfied, please feel free to speak with one of our insurance agents at 250-723-2545. If the issue is still unresolved, ask to speak with management.

If you are having any problems with the insurance company or the claims process we encourage you to keep our office informed so that we may help resolve the issues.

3767 10th Avenue
Port Alberni, BC  V9Y 4W5
T: (250) 723-2545
F: (250) 723-4585

  • Monday: 9 am - 5 pm
  • Tuesday: 9 am - 5 pm
  • Wednesday: 9 am - 5 pm
  • Thursday: 9 am - 5 pm
  • Friday: 9 am - 5 pm
  • Saturday: 9 am - 4 pm
  • Sunday: Closed

Your Autoplan insurance is valid everywhere in Canada and the U.S., including Alaska and Hawaii. Unfortunately, it is not valid in Mexico.

Possibly. You can authorize someone else to renew your insurance at the Autoplan broker. However, lessees have no authority to authorize someone else to renew on their behalf. Only the lessor may grant signing authority. First, you must:

  • Sign the back of the insurance renewal reminder or,
  • Write a letter, certified by a notary public or a lawyer, that specifically grants power of attorney, or signing authority, to someone else to renew the policy.

Then, the authorized person can renew your insurance as normal.

Unless the power of attorney is granted, another person cannot renew the registered owner’s insurance policy when:

  • The policy is paid with an ICBC monthly payment plan.
  • The policy’s coverage is being reduced.

3767 10th Avenue
Port Alberni, BC V9Y 4W5

T. (250) 723-2545
F. (250) 723-4585

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Office Hours

Mon - 9 am - 5 pm
Tue - 9 am - 5 pm
Wed - 9 am - 5 pm
Thu - 9 am - 5 pm
Fri - 9 am - 5 pm
Sat - 9 am - 4 pm
Sun - Closed