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BCAA Optional Car Insurance

Save, get better coverage, or both.

In BC, you can top up Basic Autoplan with optional coverage from ICBC or another provider. It covers vehicle repairs, break-ins and much more. At BCAA, we provide you a choice in BCAA Optional Car Insurance offering valuable ways to save and exclusive coverage benefits, such as FREE Tire Protection.

If you’re a BCAA Member, you’ll save up to 20% on BCAA Optional Car Insurance.*

Key Features

This is all about you and your car. We offer the following three main coverages, with other coverage add ons available to fit your needs.

Collision Coverage 

Fix your vehicle after a crash, even if you were at-fault. It also covers vehicle damage from a hit and run.

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Comprehensive Coverage

Protect your vehicle from things other than a crash. Comprehensive coverage helps to pay for vehicle repairs after a break-in, windstorm and more.

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Excess Third Party Liability 

Excess Third Party Liability provides coverage in excess of $200,000 if you get into a crash outside of BC and injure someone or damage their vehicle. It also covers you if you damage another person’s property such as if you hit and damage another person's fence.

Included Benefits

Get exclusive coverage benefits included with all BCAA Optional Car Insurance policies at no extra cost to you.

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Free Tire Protection

If your vehicle tire is damaged from potholes or punctures, we’ll cover the cost to repair or replace your tire.

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One Accident Forgiveness

Protect your good driving record and keep your premium from going up after your first at-fault accident.

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Guaranteed Repairs

When your car is repaired by a BCAA Approved Auto Repair Service (AARS) facility, the repair work will be guaranteed for as long as you own the car.

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Lock Rekeying

If your keys or key-less remote are stolen, you’ll be reimbursed up to $1,500 to re-key or re-code the locks. The best part? No deductible gets charged.

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Pet Coverage

If your pet is injured in a car accident, you’ll get up to $1,000 in coverage for veterinary expenses. 

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Motorcycle Coverage

We’ll replace your riding gear valued up to $1,500 and you can increase the limit as needed.

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Superior 24-hour Claims Service

Have a personal adjuster assist you throughout the entire claims process; if something happened to your car, we'll get it fixed.

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High Customer Satisfaction

Quality protection at great rates. 

Service Guarantee
$500 Service Guarantee

Need to make claim? We’ll help you fast. If we don’t open your claim within 6 business hours of answering your call, we owe you $500.

Coverage Add Ons

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Rental Vehicle Package

Save and get valuable protection. This package provides you a rental vehicle if required in the event of a claim and insurance coverage for rented vehicles when you travel in Canada or the US.

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Extra Income Coverage

Provides additional wage loss coverage up to $100,000 in excess of your ICBC Basic Autoplan limit.

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New Vehicle Replacement Coverage

New vehicles can depreciate quickly in the event of a total loss this coverage will ensure you receive a new vehicle, or the cash equivalent.

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$0 Glass Deductible 

Provides vehicle windshield, sunroof and all other glass replacement with no deductible.

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Personal Property Coverage

Protect your contents from thieves with up to $500 in coverage to replace personal items stolen from your vehicle.

How Can You Save with BCAA?

Become a BCAA Member

BCAA Members save 10%, plus 1% for every year you renew with BCAA (up to 20%)*

Claims Free Discount

You could save 10% with our Claims Free Discount

Bundle Car & Home

BCAA Members save $40 when you bundle BCAA Home and Optional Car Insurance*

Multi-Vehicle Discount

Insure two or more vehicles and save 10% per vehicle

Eco-Friendly Vehicle Discount

Save 5% on your premium for eco-friendly hybrid or electric vehicles

Anti-Theft Device Discount 

Save 5% on your Comprehensive premium for having a qualified anti-theft device

One Accident Forgiveness

Your premium will not increase after the first at-fault accident on this policy

Why Choose BCAA for Car Insurance?

BC Based
BC Based

We understand the unique needs of BC drivers. Whether you use your vehicle for work, pleasure or business we can help find right coverage for you.

One of BC’s Largest Autoplan Brokers

We help a lot of customers with their ICBC Autoplan policies each year so you can trust us to provide reliable, expert advice.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20% on BCAA Optional Car Insurance. Plus, you save up to $40 when you combine your Home and Car Insurance with us too.*

Trusted Experts
Trusted Experts

Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

Saving the Day
Saving the Day

Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.

Award Winning
BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance Brand**

Members Get More

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A new way to buy & sell your vehicle in BC

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* BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit
**BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.
BCAA Optional Car Insurance and Autoplan are sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency. BCAA Optional Car Insurance is underwritten by CAA Insurance Company and Autoplan is underwritten by the Insurance Corporation of British Columbia. The ICBC Autoplan logo is a trademark of the Insurance Corporation of British Columbia, used under license.