Car Insurance

Car insurance doesn’t have to be complicated.

Our expert car insurance Advisors are here to make it easy to understand your coverage options, and will work with you to choose the best protection options for you, your loved ones and your vehicles.

Let’s talk – Get a car insurance quote today

We have options

Did you know you have options for your car insurance? While the Basic ICBC Autoplan is mandatory, we have private insurance options available to create customized coverage for all your needs.

Available Discounts

Are you entitled for car insurance discounts? ICBC discounts are available for:

  • Disability
  • 10 years of driving experience
  • Seniors (over 65 years)
  • Years of claims-free driving

Flexible hours

Our offices open early and close late, so you can visit at a time that works best for you.

Find an office near you

Insurance Express*

With CapriCMW’s Insurance Express service, you can start your renewal over the phone. Then, when it’s convenient, visit an Insurance Express desk at any one of our participating offices, to sign your paperwork and pick up your decals.

*Insurance Express currently available in Vernon, Kelowna, and Lake Country.

Dedicated Claims Support

Our in-house claims team is here to help you every step of the way. Our team will advocate on your behalf to expedite the claims process as quickly and efficiently as possible.

Frequently Asked Questions

Am I covered if I use my car for commuting to work?

Yes, but it's important that you tell your broker that you use your vehicle for commuting to and from work. How you use your vehicle affects the rate class used to determine the insurance premium you pay.

How does an at-fault accident affect my insurance rates?

ICBC's claim-rated scale determines the discount applied to your Basic Autoplan premiums. If you’ve had an at-fault crash, you will move up the scale a number of steps to determine your discount at your next insurance renewal.

Drivers earn discounts for every year they are crash-free, to a maximum of 43 per cent.

See the claim-rated scale chart for details:

ICBC Claim-rated Scale

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What our clients are saying about us

CapriCMW has your back, puts it's customers first, and employs an exceptional group of people. I can't say enough great things about my experience here. I used to think it didn't matter where I renewed my car insurance, but now I know first hand that there is a huge difference, and I'll never go anywhere else.

Daryl D., Kelowna

I can only wish all insurance brokers I've dealt with were as good as CapriCMW. Kind, informative and excellent guidance on my home, car and motorcycle insurance.

Jim A., Vernon

I have been dealing with CapriCMW for about 5 years and have always found them to be attentive and knowledgable. Even though I live in another part of the city now, I make the drive to CapriCMW, it's worth it to me.

Eric, Kamloops

The team at CapriCMW is so nice and helpful. Kelly Ann and Tannis stand out as I've dealt with both of them and they were nothing but awesome. Tannis even went above and beyond by catching a mistake made by ICBC and rectifying it right away. I can't recommend CapriCMW enough!

Sara N., Kelowna

I would recommend CapriCMW without hesitation. Kayla at the Powick Rd office in Kelowna called to remind my of my upcoming car insurance which I completely forgot about until it was about to expire. I called Kayla in desperation and she drove out to my house with paperwork in hand! Service like this is why CapriCMW has been around for decades and will continue to be so. Many thanks!

Heather W., Kelowna

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