Anyone from B.C. who drives a vehicle needs insurance. BCAA steers you through the many coverage options to find the best plan for you.

ICBC Optional Coverage

What's included in ICBC Optional Coverage

  • Collision: covers damage to your own vehicle as a result of impact with another vehicle, person or object.
  • Comprehensive: covers damage to your vehicle caused by something other than collision, such as fire, theft, glass or vandalism.
  • Excess Third-Party Liability: covers you when you are deemed responsible for injury to a third party or damage to their property. Various limits of liability are available. BCAA recommends vehicle owners purchase a minimum of $3 million in coverage.
  • Specified Perils: similar to Comprehensive and less expensive, but provides coverage only for specific perils.
  • Excess Underinsured Motorist Protection: purchase an additional $1 million Underinsured Motorist Protection for a total of $2 million.