Skip to main content
alert icon

We’re here to help you Mon – Fri 8 am – 6 pm, Sat 9 am – 5 pm. Service Locations are open, with pre-booked appointments recommended, masks required, and COVID-19 safety measures in place.  

BCAA Optional Car Insurance

Save, get better coverage, or both.

Go beyond ICBC's mandatory basic coverage and get additional protection for car break-ins, vehicle repairs and much more. At BCAA, we provide a real choice in optional car insurance, helping you save. Plus, you'll get access to exclusive coverage benefits such as FREE Tire Protection.

You don't have to be a BCAA Member, but Members save up to 20% on BCAA Optional Car Insurance.

renew icon Renew claim icon Claim
Get a Quote
driving

Changes to Car Insurance in BC

Helpful info on new ICBC Enhanced Care and BCAA Optional Car Insurance.

Learn More

Key Features

This is all about you and your car. BCAA Optional Car Insurance helps protect yourself and your ride by offering loads of options.

Collision
Collision Coverage 

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

tree branch falling on car icon
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.

collision icon
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.

BCAA Benefits 

With BCAA Optional Car Insurance, you automatically get the following unique coverage benefits.

Free Tire Protection Icon
NEW! Free Tire Protection

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

collision icon
One Accident Forgiveness

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

tools icon
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.

car and key icon
Lock Re-keyed

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.

dog icon
Pet Coverage

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

Motorcycle icon
Motorcycle Coverage

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

24 hours phone icon
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.

medal icon
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.

Optional Coverages

car icon
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.

Learn More
Income Top Up Icon
NEW! Extra Income Coverage

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

Learn More
car icon
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.

windshield icon
$0 Glass Deductible 

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

wallet icon
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?

checkmark-1
NEW! Become a BCAA Member

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

checkmark-1
NEW! Claims Free Discount

You could save 10% with our Claims Free Discount

checkmark-1
Bundle Car & Home

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

checkmark-1
Multi-Vehicle Discount

Insure two or more vehicles and save 10% per vehicle

checkmark-1
Eco-Friendly Vehicle Discount

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

checkmark-1
Anti-Theft Device Discount 

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

checkmark-1
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.

Phone icon
One of the largest ICBC Autoplan Brokers

Our local experts are here to help with all your car insurance needs by phone or in person at one of our 29 locations across BC.

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.

passenger in an open convertible

Get a quick BCAA Optional Car Insurance quote today.

You could save, get better coverage, or both.

Get a Quote

Members Get More

Save over $1,000 per year on BCAA Insurance, BCAA Auto Service Centres, Evo Car Share and at over 100,000 partner locations worldwide. Plus, we’ve got you covered with the Best Roadside Assistance. Not a Member? Join today.

In Case of Nails

Get the Best Roadside Assistance for less than $7 a month

Join Now

BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

older man on laptop and phone with dog beside him
July 18, 2020 Tag Icon A light icon that looks like a tag Insurance
Tips for a smooth car insurance renewal by phone
READ MORE
woman loading groceries into car
May 6, 2020 Tag Icon A light icon that looks like a tag Insurance
COVID-19 & your car insurance: Tips to reduce your car insurance premium
Learn More
BC road
January 15, 2021 Tag Icon A light icon that looks like a tag Insurance
Car insurance in BC is changing – here's what you need to know
Read More
READ MORE ARTICLES