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Service Locations are open, with pre-booked appointments recommended, masks required, & COVID-19 safety measures in place. Learn how we can help online for faster service. During an L3 advisory BCAA Travel Insurance continues to provide COVID-19 medical coverage for fully vaccinated customers.

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.


Changes to Car Insurance in BC

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

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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 Coverage 

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

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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.

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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.

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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.

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One Accident Forgiveness

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

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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.

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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.

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Pet Coverage

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

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Motorcycle Coverage

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

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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.

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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

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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.

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NEW! Extra Income Coverage

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

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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.

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$0 Glass Deductible 

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

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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?

NEW! Become a BCAA Member

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

NEW! Claims Free Discount

You could save 10% with our Claims Free Discount

Bundle Car & Home

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

Multi-Vehicle Discount

Insure two or more vehicles and save 10% per vehicle

Eco-Friendly Vehicle Discount

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

Anti-Theft Device Discount 

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

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.

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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.

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