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 outside BC and another person makes a claim against you to cover their injury costs and vehicle damage. It also protects you if you damage someone’s property such as if you hit and damage another person's fence.

Enhanced Care Coverage

Effective May 1, 2021: If you’re injured in a crash, ICBC will provide unlimited medical care and recovery benefits for treatments like physiotherapy, chiropractic, dental care, counselling, and more. Plus, up to $100,000 in lost wages, regardless of who was responsible for the crash.

Basic Vehicle Damage Coverage

Effective May , 2021: In the event of a crash that’s not your fault, your policy will cover your vehicle repairs up to a limit of $200,000.

Underinsured Motorist Protection

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

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, regardless of who was 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

Extended 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.

Hit and Run Vehicle Damage

Starting May 1, vehicle damage from a hit and run (when an unidentified driver damages your vehicle and leaves the scene of the crash) in BC is no longer covered by your ICBC Basic Autoplan. This optional coverage provides up to $200,000 if your vehicle is damaged by a hit and run driver.

Tire Protection

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

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.