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5 things you need to know about car insurance in BC

If you drive a car in BC, you’ve purchased car insurance from ICBC. But do you know the difference between mandatory and optional car insurance coverage? If you don’t, you could be missing out on valuable savings and superior coverage! As a BC driver, here are 5 things you need to know about car insurance.

1. ICBC Basic Autoplan insurance is mandatory for all drivers in BC. It helps ensure that you and all British Columbians who own and drive a motor vehicle here are protected with a basic level of coverage.

2. You can choose to buy additional optional coverage offered by ICBC and other private insurers, like BCAA. Most people choose to get coverage beyond ICBC Basic Autoplan for complete protection and peace of mind.

3. At BCAA get your mandatory ICBC Autoplan, plus choices for additional coverage. Our trusted experts take the time to get to know you better and then recommend the best customized coverage.

4. Save more with BCAA Optional Car Insurance and get access to valuable discounts.

  • BCAA Members save up to 20%*
  • Bundling discount: Members save when combining home and car insurance*
  • Multi-Vehicle Discount: save 10% off each vehicle
  • Eco-Friendly Vehicle Discount
  • Anti-Theft Device Discount
  • And more

5. Get unique coverage benefits with BCAA Optional Car Insurance.

  • Free One Accident Forgiveness
  • Free windshield chip repairs
  • Free family pet protection
  • Lower deductibles
  • And more

There you have it, we’ve covered the basics of car insurance in BC. To learn more about BCAA Optional Car Insurance or get a quote go to, call 1.888.268.2222 or visit us in person at one of our many Service Locations across BC.

*BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit

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.