[mthoms]

My experience has been the opposite. I’m generally happier here with auto insurance than I was in Ontario.

Regarding the ICBC add-on for US liability… aren’t all ICBC policies exclusively sold by independent brokers? If true then wouldn’t that have been an independent broker who was mistaken and ICBC proper cleared it up?

[rkagerer]

Yes that's true, but since then I've had the same discussion with other brokers, although they weren't as adamant. The basic terms around this seem widely misunderstood (at least from my own experience).