John Fleming Auto Insurance
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At John Fleming we are dedicated to you and all your different insurance needs.
Locally owned we've been around for over 40 years and have been committed to help and educate our clients on making the best insurance choices.
đ¨ One ICBC rule people keep getting wrong and it can cost you thousands.
ICBC doesnât just look at who owns the car they care who actually drives it.
Household members or employees?
If they drive your vehicle even once, they must be listed on your policy.
No exceptions. UDP does not protect you here.
Friends, guests, extended family â non-household, non-employees?
You can lend them your car as long as you have Unlisted Driver Protection (UDP) on your policy.
UDP is designed for occasional drivers â typically 12 or fewer trips per year.
No UDP or the person should have been listed? â You may face an âUnlisted Driver Accident Premium.â Iâve seen penalties over $8,000.
Play it safe: List the drivers who must be listed â and make sure UDP is set up for the ones who donât live with you.
A second of distraction can change everything.
Accidents happen but the financial and emotional hit doesnât have to. With the right coverage, youâre not just fixing a car, youâre protecting your peace of mind.
At John Fleming Insurance, we make it easy to understand what ICBC covers and where extra protection really matters.
Because being prepared makes all the difference when life surprises you.
đ Protecting what truly matters.
11/17/2025
âAs isâ works⌠until it doesnât.
Renewing your insurance âas isâ might seem simple â but it can also be a costly mistake.
Yeah, in BC we donât have many options â ICBC always handles the basic, and even for optional coverage, itâs mostly ICBC and just a few others.
But your life still changes: your routine, your drivers, your risks.
When a claim happens, thatâs when you realize the difference between having a policy⌠and having real guidance.
At John Fleming Auto Insurance, we review your coverage, explain what truly matters, and make sure youâre protected when it counts.
Because insurance isnât just about paperwork â itâs about you, your life, and your peace of mind.
đ Want to review your policy with us? Send a DM and weâll walk you through it.
Quick checklist to review your policy:
â
Updated details
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Correct listed drivers
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Extra coverages (Collision, Comprehensive, Loss of Use, glass)
Review after any changes (vehicle, address, routine) or yearly
Need insurance? Send me a DM.
11/05/2025
BCâs auto insurance system is unique.
ICBC provides your mandatory basic coverage, but extra protection, like collision, comprehensive, and replacement cost, comes through ICBC Optional or private insurers, arranged by brokers like John Fleming Auto Insurance.
Understanding whatâs covered (and whatâs not) can save you a lot of stress when the unexpected happens.
đ DM us today to review your coverage and make sure youâre protected where it counts.
10/31/2025
Optional auto coverages can make all the difference when life doesnât go as planned.
In BC, ICBC covers the basics, but in a total loss, what youâre paid depends on your coverage and whoâs at fault.
When ICBC does pay out, itâs based on your vehicleâs estimated pre-incident value, often much less than what you originally paid.
Thatâs where Replacement Cost Coverage comes in.
At John Fleming Auto Insurance, we offer options through ICBC, DriveSure, Optiom, and Mode Insurance to help you stay protected from depreciation and unexpected loss.
đ DM us today to review your coverage and see which option fits your vehicle best.
Itâs funny until itâs real.
Accidents donât give warnings, and neither should your coverage.
The right insurance keeps you safe from surprises (and from running toward falling walls đŹ).
đ DM us to make sure youâre covered for the things that really matter.
đ¨đŚ
10/14/2025
We all hope nothing goes wrong.
But the truth is: life doesnât always go as planned.
Thatâs why having the right coverage matters.
Itâs not about expecting the worst, itâs about being ready for it.
At John Fleming Auto Insurance, we make insurance simple, clear, and built for real life.
Because peace of mind starts long before the claim.
đ¨đŚ
09/22/2025
If youâve never reviewed your policy, donât know whoâs listed as a driver, and canât recall your coverages, itâs time to check.
In minutes we can align details, drivers, Collision, Comprehensive, and liability limits to your needs.
Want help now Send me a DM and Iâll reply personally.
đ¨đŚ
09/18/2025
The buildingâs policy protects the building, not your stuff.
Renters -> need tenant insurance.
Condo owners -> need condo insurance.
Think: contents, liability, water damage, overland water, sewer backup, strata deductibles, and temporary living expenses.
Want it explained in plain English? Send us a DM and weâll reply personally.
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Address
6696 Hastings Street
Burnaby, BC
V5B1S3
Opening Hours
| Monday | 9am - 6pm |
| Tuesday | 9am - 6pm |
| Wednesday | 9am - 6pm |
| Thursday | 9am - 6pm |
| Friday | 9am - 6pm |
| Saturday | 9am - 5pm |