Additional Coverage
How much car insurance do you need?
Basic Autoplan offers drivers a base level of coverage to ensure all British Columbians have a minimum amount of protection. At Westland, we strongly recommend that our customers consider buying extra coverage.
We sell a range of extra Autoplan coverage that lets you customize your protection based on your needs. The table below summarizes these options and offers more detailed information to help you decide which is right for you.
Autoplan Optional Coverage
| Additional Coverage | Summary of Benefits | Covers |
|---|---|---|
| Extended Third Party Liability | Protection beyond the $200,00 minimum if you are deemed responsible for damages or injuries to others as a result of a crash. | You |
| Excess Underinsured Motorist Protection | Covers you or your passengers in a crash where the driver who is found responsible doesn’t have enough coverage to pay for damages or injuries caused. | You |
| Loss of Use* | Can cover the costs of getting alternative transportation for you while your vehicle is being repaired. | You |
| Vehicle Travel Protection* | Helps offset the costs of having your vehicle stolen or involved in a crash while you’re on a trip or away from home. | You |
| Roadside Plus | Provides eight coverages (including loss of use, theft deductible waiver, lock rekeying and rental vehicle coverage) for one economical price. | You & your vehicle |
| RoadStar package | A package of coverages available at a discount for select BC drivers. | You & your vehicle |
| Vehicle Coverage | ||
| New Vehicle Replacement Plus | Enables your vehicle to be declared a write off if it has a damage claim where the assessed damage is greater than 50% of the vehicle’s market value. | Vehicle (new only) |
| Replacement Cost Coverage | For vehicles three years old or less, you can receive a brand-new version of your vehicle or cash payout if the vehicle gets declared a total loss. | Vehicle (new only) |
| Limited Depreciation | For vehicles three years old or less, you can be compensated for depreciation of your vehicle if the vehicle gets declared a total loss. | Vehicle (new only) |
| Collision | Pays for repairs to your vehicle regardless of who’s at fault in the crash. | Vehicle |
| Comprehensive | Protects you from a variety of types of damage to your vehicle that are NOT a result of a collision. | Vehicle |
| Specified Perils | Similar to Comprehensive coverage but only covers certain specific types of situations. | Vehicle |
| Collector & Vintage vehicles | Covers your Collector Car for an agreed upon value in the event of a total loss. | Vehicle |
| Vehicle in storage | Used to protect your vehicle placed in storage with coverages similar to Comprehensive, Collision and other optional coverages. | Vehicle |
| Vehicle Equipment Coverage | ||
| Excess Special Equipment | Covers the loss of sound, communication or other specialized equipment that was permanently installed after the vehicle was produced. | Vehicle |
| Covers certain types of equipment in a motorhome that are not covered under Autoplan policies for other vehicles. | Vehicle | |
| Rental Vehicle Coverage** | If you need to rent a vehicle, this combines much of the coverage of Basic Autoplan with some of the optional coverages. | Vehicle |