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Basic Autoplan & Optional Coverage

One of BC's largest Autoplan brokers. 

Every British Columbian who owns a car needs ICBC Basic Autoplan coverage, but you can choose to buy optional car insurance for additional protection. Visit your closest BCAA Service Location and our insurance experts will help find the coverage that’s right for you.

ICBC Basic Autoplan

Make sure you’re covered. ICBC Basic Autoplan is the mandatory coverage you need for  vehicle in BC, providing the minimum amount of protection required.

Third Party Liability
Third Party Liability 

Crashes cause injuries and damage vehicles and property. If you're at fault, your Basic Autoplan covers up to $200,000 for others’ injuries and vehicle damage.

Accident Benefits
Accident Benefits

Cover the medical costs and lost wages for you and your passengers if you’re injured in a car crash, regardless of who’s at fault.

Underinsured Motorist Protection
Underinsured Motorist Protection

Provides up to $1 million if you’re injured or killed by the driver of an underinsured vehicle and you are not at fault for the crash.

Hit and Run
Hit and Run (Underinsured Motorist)

Coverage up to $200,000 is available to BC residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver.

ICBC Optional Coverage 

Get additional protection for you, your family and your vehicle with optional coverage from ICBC.

Collision Coverage

Even the best drivers make mistakes and fixing your vehicle can be expensive. Collision coverage helps pay for vehicle repairs, towing and more, even if the crash was your fault.

Comprehensive Coverage

Break-ins, a cracked windshield — a lot more can happen than just a crash. We can help you offset the costs of other damage with Comprehensive coverage.

Extended 3rd Party Liability
Excess Third Party Liability

ICBC Basic Autoplan covers up to $200,000 in Third Party Liability but crash costs can be much higher. This coverage helps you with the difference of the cost.

Optional Protection Upgrades

Increasing your coverage can decrease your headaches. RoadStar packages add some of ICBC's most popular optional products to complement your Basic coverage for better value.

Excess Underinsured Motorist Protection
Extension Underinsured Motorist Protection

Collisions are stressful enough, but if the other driver is underinsured, it's worse. The Underinsured Motorist Protection can cover up to $2 million or more.

Roadstar Plus
Roadstar Package

No at-fault claims for at least 9 years? You can get rental vehicle coverage, loss of use coverage, vehicle travel protection, and lock rekeying.

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.

Largest Brokers
One of the Largest Autoplan Brokers

We’re just down the road. With convenient locations all across BC, we are always ready to help with your Car Insurance needs.

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

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.

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