Auto Insurance
Safeguarding a vehicle requires understanding the specific risks beyond basic provincial requirements. Stratis Insurance provides the educational tools necessary for drivers to protect their mobile assets with excellence and transparency. By emphasizing often overlooked aspects of extended coverage, the goal is to empower informed decisions that ensure long-term protection and build trust on the road.
Navigate With Confidence
Driving is a daily necessity and a significant responsibility. Stratis Insurance creates the perfect, personalized auto insurance plan designed for your driving habits, ensuring your vehicle and passengers are protected. Focus on the journey ahead and reaching your destination with complete peace of mind.
Insuring Partners
Importance of Auto Insurance
Your vehicle is a vital tool for your life and represents a serious financial and legal responsibility. Accidents happen beyond our control, involving weather or other drivers. Having the right coverage is essential because it provides:
Personalized Protection
Stratis Insurance goes beyond mandatory government minimums; our focus is on creating the perfect auto insurance plan designed specifically for your unique needs. We take pride in educating you about optional coverages like loss of use and depreciation waivers, ensuring you know exactly what your policy means without over-complicating the process.
Stratis Insurance advisors create a personalized plan that truly matches your preferences, ensuring your mobility is protected. Gaining this solid understanding is a crucial element in arriving at sound choices.
I’ve worked with Bryant Vo for the past four years on my auto insurance, and he’s been great every step of the way. He responds quickly…
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Leo
I recently worked with Peter Qu on my brand new Audi. He was so amazing, gave great advice and was able to find great deals for me. I also…
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Anne
Marilyn is absolutely fantastic! She handles all of our auto insurance needs, and working with her is always a smooth and stress-free exper…
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Shelly
Renewed my car insurance with this company and really appreciated the quick and smooth service. Our broker, Saurabh, provided excellent sup…
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Evgenia
I had a great experience working with James Park at Stratis Insurance. He always replies on time and is genuinely willing to help whenever…
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María
Edward Chu at Stratis Insurance has been amazing to work with year after year. He’s always responsive, helpful, and makes sure I’m gett…
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Isabella
Normally, Advisors would just make you choose the kind of policy you wanted based on price but Stella took the time to explain the main dif…
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Mauro
Christy Chan did the renewal today of my car insurance. Christy was very professional and quite thorough in the way she explained all aspec…
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Amy
Arsh helped us change our ICBC policy a couple times and she is the best agent I have dealt with. She explains everything and ensures that…
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Aditi
I highly recommend Bide, he was very knowledgeable and helpful. He was able to save us money and explain all my options very clearly. Best…
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Katie
Aaron made my insurance renewal really easy. My English isn’t very well, but he was super patient, professional, and quick to help me thr…
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Tiger
William G. is hands-down the best insurance advisor I’ve worked with. He manages auto insurance for my family and friends, is always on t…
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Cheryl
FAQ
What is the difference between Collision and Comprehensive coverage?
Collision coverage pays for damage to your vehicle resulting from an impact with another vehicle or object. Comprehensive coverage protects against non-collision incidents, such as theft, vandalism, fire, falling objects, or windshield damage. Both are vital for full asset protection.
What does Third-Party Liability cover?
Third-Party Liability protects you if you are legally responsible for an accident that causes injury to others or damage to their property. While there is a mandatory minimum, Stratis Insurance often recommends higher limits to provide a sufficient financial safety net against serious lawsuits.
What happens if I need a car while mine is being repaired?
Standard policies do not automatically provide a rental car. You need “Loss of Use” coverage (endorsement SEF 20), which covers the cost of a rental vehicle or alternative transportation while your car is being repaired due to a covered claim.
Does my policy cover the full value of my brand-new car?
Standard coverage pays the “Actual Cash Value” (depreciated value) at the time of loss. If you have a new vehicle, Stratis Insurance educates you on the “Waiver of Depreciation” endorsement, which protects your investment by covering the full purchase price or list price for a set period.
Am I covered if I use my car for work or delivery?
Personal auto policies typically exclude commercial use, such as delivering food or carrying paying passengers. These activities usually require specialized endorsements or a commercial policy. Stratis Insurance ensures you are educated on how vehicle usage impacts your coverage validity.
What are Accident Benefits?
Accident Benefits provide mandatory support for medical treatment, rehabilitation, and income replacement if you or your passengers are injured in a collision, regardless of who is at fault. This coverage is crucial for providing a physical and financial recovery safety net.
Get Covered Now
Ready for the ultimate protection? Talk to our trusted advisors for personalized plans and peace of mind.
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