A Beginner's Guide to Car Insurance in BC (ICBC Explained by a Broker) скачать в хорошем качестве

A Beginner's Guide to Car Insurance in BC (ICBC Explained by a Broker)

How does car insurance in British Columbia actually work? The ICBC system can be confusing, especially for newcomers to the province. To get some clear answers, I sat down with Daniel, an experienced insurance broker from Sussex Insurance on the North Shore. In this in-depth interview, Daniel breaks down the different types of coverage, explains what factors influence your premium, and reveals some critical rules that every driver in BC needs to know—including one about who can drive your car that could save you from a massive headache. **DISCLAIMER:* This video is for informational and educational purposes only and does not constitute financial or insurance advice. Insurance needs are unique to each individual. Please consult with a qualified professional insurance broker, like Daniel, to discuss your specific needs.* You can find Daniel at Sussex Insurance, located inside the Real Canadian Superstore on Mount Seymour Parkway, North Vancouver. --- *KEY TOPICS COVERED IN THIS VIDEO:* The 3 main types of coverage: Liability, Comprehensive & Collision. The CRITICAL rule about unlisted household members or employees driving your car. How your driving history from another country can save you money. The difference between a Learner's (L) and Novice (N) license on your premium. Discounts you might be eligible for (like the Low Kilometre discount). Tips for handling the claims process with an adjuster. The difference between private insurance options and ICBC. --- *VIDEO CHAPTERS / TIMESTAMPS:* 0:00 - Intro: Meeting Daniel at Sussex Insurance 1:08 - How Long Have You Been in the Insurance Game? 1:49 - The 3 Main Types of Automotive Insurance 2:23 - Mandatory Liability Insurance Explained 3:56 - How Much Liability Coverage Do You Really Need? 5:08 - Comprehensive vs. Collision Insurance 7:00 - The Hit & Run Insurance Rule 8:35 - What Factors Influence Your Insurance Premium? 9:51 - The Critical Importance of Your Driving History 10:16 - How to Save Money on Your ICBC Policy 11:51 - Should You Make a Claim for Minor Damage? 12:35 - Collision Coverage: When Do You Need It? 13:50 - The Low Kilometre Discount Explained 15:20 - Learner's (L) vs. Novice (N) License: A Costly Difference 16:48 - The Claims Process: What to Do After an Accident 19:30 - Common Mistakes Newcomers Make 20:25 - Finding a Broker Who Will Actually Help You 22:45 - Private Insurance vs. ICBC: What are the Options? 24:39 - Do You Need Business or "Artisan Use" Insurance? 26:55 - The MOST IMPORTANT Rule: Unlisted Household Drivers 30:37 - Final Thoughts & Where to Find Daniel --- Do you have any questions about ICBC insurance that weren't answered here? Let us know in the comments below! #ICBC #BCInsurance #CarInsurance #NewToCanada #Vancouver #BritishColumbia #InsuranceTips Facebook:   / moving2vancouver   Instagram:   / south_african_shop   Pinterest: https://www.pinterest.ca/callie9271/ (I Think) Tik Tok:   / the.south.african.shop   Shopify: https://thesouthafricanshop.ca/ 👇 👇 👇 👇 👇 👇 👇 👇 👇 👇 👇 👇 👇 👇 We are a South African 🇿🇦 family that moved from Johannesburg to Vancouver in 2021. Please subscribe to our channel and follow our experiences and learn with us about our new home - Vancouver, British Columbia, Canada 🇨🇦. You can also follow us on Facebook and join us for Live videos about places we visit and perceptions of our new home. 👍   / vangraans   Check out our other videos about various topics: 💲 Cost of living in Vancouver 🗽 Immigration and Emigrating 🏠 Housing & Renting 🏧 Banking 🚗 ⛴ 🚌 🚎 🚲 Transport 💊 🩺 💉 Health 🌄 📸 Natural beauty 🧗 🚣‍♀️ 🚴‍♀️ Outdoor lifestyle 🚦 🚧 🚙 Driver's Licences ... and much more! DISCLAIMER: 📌 Any information provided on this Youtube Channel is of a general nature and is for educational/informational purposes only. It is not intended as a substitute for professional advice and you are not guaranteed the same outcome. Should you decide to act upon any information on this channel, please proceed with caution ⚠️. Information is gathered and shared from personal experience and reputable sources, however, this channel is not responsible for errors or omissions in reporting or explanations. Viewers are advised to seek specific legal advice by contacting Immigration Lawyers that are active members of a Law Society in Canada or Immigration Consultants registered with ICCRC. If you want to make sure that you are up to date with the latest changes, please visit the Immigration Refugees and Citizenship Canada website at https://www.canada.ca/en/immigration-... 🇨🇦