ICBC Basic

Mandatory coverage provided by ICBC and sold at BCAA.

BCAA Optional

Optional coverage provided by BCAA.

Third Party Liability

Protects you when you’re at-fault in a crash and another party makes a claim against you to cover their injury costs and vehicle damage.

Accident Benefits

Covers medical costs, wage loss and more if you’re injured in a motor vehicle crash.

Underinsured Motorist Protection

Covers you if the person responsible for a crash doesn’t have enough insurance to pay for your claim.

Hit & Run Protection

Covers damage or injuries suffered in a hit-and-run.

Inverse Liability Protection

Protects your vehicle in parts of Canada and the US where local laws restrict your coverage.

Collision Coverage

Covers damage to your vehicle when you hit another vehicle, object or surface of the road, even if you're at-fault.

Comprehensive Coverage

Covers damage to your vehicle that’s not from car-to-car collision like break-ins, chipped windshields and more.

Extended Third Party Liability

Protects you when you’re at-fault in a crash and another party makes a claim against you, and the claim exceeds your $200,000 ICBC Basic Autoplan limit.

One Accident Forgiveness

Protects your premium from going up after your first at-fault accident.

Guaranteed Repairs

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

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.

Pet Coverage

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

Other Optional Coverages

BCAA offers a wide variety of optional coverage add-ons to help ensure you have the coverage that fits your needs. Learn more.