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Enhanced Coverage

We’ve improved key areas of your coverage to provide more protection, higher limits and bigger savings. These enhancements are automatically included for eligible policies – so you get added value without needing to make changes.

The following coverage enhancements apply to renewals starting April 11, 2026.

Coverage

Previous Coverage & Savings

Enhanced Coverage & Savings

Car & Home Bundle Discount

Customers save more when they bundle their BCAA Optional Car and Home Insurance.

Total Savings: $40
(Save $15 on BCAA Optional Car Insurance + $25 on BCAA Home Insurance)		 Total Savings: $100
(Save $50 on BCAA Optional Car Insurance + $50 on BCAA Home Insurance)

Tire Pothole & Puncture Protection

This included benefit helps cover the cost to repair or replace a tire damaged by potholes or punctures.

- Tire repair: up to $25
- Tire replacement: $25 labour costs		 - Tire repair: up to $75
- Tire replacement: $75 labour costs

Pet Coverage

This included benefit helps cover veterinary expenses if your pet is hurt in a car accident.

$1,000/occurrence $1,500/occurrence

Vehicle Loss of Use Due to Theft

If you’ve purchased comprehensive coverage, this benefit helps cover the cost of a rental vehicle or other transportation if your vehicle is stolen.

 $900/occurrence ($50/day) $1,000/occurrence ($100/day)

Rental Vehicle During a Claim

This optional coverage helps cover the cost of a rental vehicle or other transportation while your vehicle is getting repaired.

$1,500/occurrence $2,000/occurrence

Personal Property Coverage

This optional coverage helps cover the cost to replace personal items stolen from your vehicle.

Up to $500/occurrence Up to $1,000/occurrence

Rental Vehicle Loss of Use

If you’ve purchased Rental Vehicle Insurance and your rental vehicle has been damaged, this coverage helps cover the cost of renting a replacement vehicle.

$500 limit ($50/day) $1,500 limit ($100/day)

BCAA respectfully acknowledges that we operate and support Members and customers on the ancestral, unceded territories of Indigenous communities across what is known today as BC. BCAA is headquartered on the lands of the hən̓q̓əmin̓əm̓ and Sḵwx̱ wú7mesh speaking peoples, known today as the City of Burnaby.

Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent, and underwritten by various underwriters. Visit bcaa.com/underwriters.

BCAA (The British Columbia Automobile Association) is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving Members in British Columbia and the Yukon. Call 1-888-268-2222

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