Kelowna City
Southern Insurance - Landscape of Kelowna BC

Your trusted insurance company in Kelowna

For over 20 years, Southern Insurance has been providing quality insurance services to families throughout the Okanagan. We specialize in auto, RV and motorcycle insurance and offer a wide range of coverage options to meet your needs. Our team is dedicated to finding the right coverage for each of our clients.

Need some help with your claim process?

Simply fill out this form and we’ll get back to you shortly! Let us help take care of that claim!

Frequently Asked Questions

Yes, your ICBC insurance coverage follows the vehicle, regardless of who is driving. However, if your policy has an effective date of September 1, 2019 or later, you are required to list drivers on the policy. If you don’t list someone you were supposed to and they get into an accident in your vehicle, you could face a large one-time financial consequence. It is also important to make sure your ICBC policy has unlisted driver protection.
You will need both license plates off of your vehicle as well as the original certificate of insurance (typically in the glove compartment). If the vehicle is in joint-ownership, all registered owners must be present with valid ID in order to cancel.  If you are unable to surrender your plates, a police report for lost/stolen plates must be made before the cancellation can be done.
Since the changes ICBC implemented on September 1, 2019, all drivers are now issued a driver factor number which is what determines their policy discount. This number is based off of your years of driving experience, any chargeable claims, as well as any applicable driving offenses. The lower your factor number, the lower your risk as a driver, and therefore the lower your premium. You can get your driver factor report through ICBC’s website or by contacting us now!
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