Join Date: Apr 2001
Location: Gibsons,B.C. Canada
Hi Lost....i'v got "declared value" collectors insurance through BCAA.
if your car is not bone STOCK you cant get the collectors insurance through ICBC.
and you have to be careful if you do get it from icbc.....if you change anything like put non stock wheels or headers on the car after you have the icbc insurance, and you have an accident, ICBC will void your insurance!!!
with the BCAA insurance, you tell them what the car is worth and they let you drive it for 7 months and then it has winter lay up fire and theft. you have to get your liability insuance through icbc still, but if you total your car you get the full price from bcaa....no icbc run a round!
the bcaa insurance costs me i think it was 160.00 a year for 20,000.00 declared value and the icbc for 7 m0nths was 400.00.
its not as cheap as icbc collectors BUT in most cases if you have headers on your car and they didnt come stock from the factory icbc wont give it to you.