Kelowna Auto / Private Auto Insurance

Choosing Private Auto Insurance coverage can make a significant difference in the competitive British Columbia auto insurance market.

While basic auto insurance is mandated by the provincial government insurer, Kelowna Valley Insurance offers an exceptional private auto insurance option for your additional coverage needs with the AutoCover plan.

Here’s why AutoCover stands out as the superior choice for optional auto insurance:

Lower Premiums

One of the most compelling reasons to choose private auto insurance is the potential for lower premiums. We understand the importance of affordability in auto insurance, and we strive to offer competitive rates that don’t compromise on the quality of coverage.

Let’s explore the many benefits of AutoCover – the superior choice for your optional auto insurance coverage. The pricing structure is designed to provide you with significant savings while ensuring comprehensive protection.

Lower Deductibles

AutoCover features lower deductibles compared to many other insurance options. This means that in the event of a claim, your out-of-pocket expenses are minimized, providing you with financial relief during stressful situations. Lower deductibles can make a significant difference, especially in the case of accidents or other unforeseen events.

Better Coverage

AutoCover provides superior coverage options tailored to meet diverse needs. We offer two primary policy packages: AutoStandard and AutoPlus.

AutoStandard includes:

  • Emergency Roadside Assistance: Up to $50 per occurrence, with higher limits available.
  • No Deductible for Fire, Lightning, or Theft of the Entire Vehicle: Protects you from high costs in unfortunate situations.
  • Discounts for Electronic and Mechanical Immobilizers: Incentivizes the use of advanced safety features.
  • Third-Party Legal Liability: Covers legal expenses if you’re at fault in an accident.
  • Excess Underinsured Motorist Protection: Provides additional coverage if the at-fault driver’s insurance is insufficient.
  • Loss of Use and Travel Protection: Ensures you’re not stranded without a vehicle.
  • Rental Vehicle Coverage: This helps cover the cost of a rental car if your vehicle is out of commission.

AutoPlus enhances your coverage with additional benefits:

  • Emergency Roadside Assistance: Increased to $250 per occurrence with no annual limit.
  • Excess Underinsured Motorist Protection: Higher limits for better protection.
  • First Accident Forgiveness: Prevents premium increases after your first at-fault accident.
  • Destination Protection: Covers unexpected events while traveling.
  • Enhanced Vehicle Replacement Coverage: Ensures you get a comparable replacement vehicle.
  • Loss of Use: Unlimited loss of use coverage is available.
  • Travel Protection: Extra coverage for travel-related incidents.
  • Lock Re-Keying: Limit of $1000 per occurrence, with no deductible.
  • Family Worldwide Transportation: This covers transportation costs for your family in emergencies.

Superior Claims Service

At Kelowna Valley Insurance, we pride ourselves on using providers that offer a compassionate claims service, designed to be fair, timely, and unmatched in the industry. The AutoCover claims department is dedicated to providing a seamless experience, offering assistance with liability negotiation and convenient claims handling. They ensure that your claims process is as stress-free as possible, with 24-hour emergency claims service available.

Authorized Direct Repair Facilities (DRFs)

The selected DRFs surpass industry standards to ensure high levels of quality and service. They are authorized to appraise the damage to your vehicle and initiate repairs almost immediately. If you have purchased Loss of Use coverage, they can also arrange a rental vehicle for you. For your convenience, DRFs are available throughout British Columbia.

Compassionate Claims Service

When you have a claim, the AutoCover team is there to support you with unparalleled compassion and efficiency. They provide:

  • Assistance with Liability Negotiation: Ensuring fair and just outcomes.
  • Convenient Claims Handling: Making the process straightforward and stress-free.
  • 24-Hour Emergency Claims Service: Available around the clock for your peace of mind.

Choose AutoCover for Superior Auto Insurance

With Kelowna Valley Insurance and the AutoCover plan, you receive more than just insurance—you gain peace of mind knowing that you are protected by a comprehensive, customer-focused policy. Lower premiums, reduced deductibles, and superior coverage options make AutoCover the ideal choice for your optional auto insurance needs. Trust Kelowna Valley Insurance to provide you with the best protection and service in British Columbia.

CONTACT US TODAY to LEARN MORE and to customize your auto insurance plan to fit your unique needs.

We are here to give you the personalized service you deserve.

Get an online quote for home, commercial, auto, farm and travel insurance or call 1-250-860-6064.