Insurance built for life in BC

Please visit bcaa.com/claims and select the BCAA Insurance product you wish to make a claim for. You’re able to submit a claim 24/7 for most products. Start a claim online or call one of our supportive claim specialists.

Insurance in BC is mandatory in some instances. Basic Car Insurance (known as ICBC Basic Autoplan) is required by law for any vehicle you plan to register and drive.

If you own a property, your lender may require proof of an adequate home insurance policy on that property. If you rent, insurance is not mandatory but a landlord can make it a requirement of your lease.

BCAA Members save up to 20% on BCAA Insurance including Home, Optional Car, and Travel Insurance.

• Home Insurance: Save an immediate 10%, plus, 1% for every year you've held your policy with us (up to an extra 10%).
• BCAA Optional Car Insurance: Save an immediate 10%, plus, 1% for every year you've held your policy with us (up to an extra 10%).
• Travel Insurance: Save an immediate 10%.     
• Pet Insurance: Save 13.5% on BCAA Pet Insurance.
• Small Business Insurance: Save up to 10%.
• Health & Dental Insurance: Save 5% and an additional 5% when you add a family member.
• Life Insurance: Save 10%* on Term Life Insurance and Critical Illness Insurance.

ICBC Basic Autoplan is the mandatory minimum car insurance required by law for every registered and driven vehicle in British Columbia. It provides $200,000 in third-party liability, basic accident benefits, underinsured motorist protection, basic vehicle damage coverage and more.

Most drivers in BC top up their basic car insurance with optional coverages from ICBC or private companies like BCAA. Optional coverages protect drivers and their vehicles from collisions, non-collision damage like vandalism, fire, storms and glass breakage, rental vehicle extensions and more.

BCAA can help you with both types of coverage.

Most standard policies cover internal water damage (e.g. burst pipes or a dishwasher leak), but damage from external water like heavy rain, snow or flood usually requires adding an optional coverage.

Travel Insurance, in addition to credit card coverage is highly encouraged. Credit card coverage often has strict limits on trip length, maximum payout caps, and exclusions for pre-existing medical conditions.