Here's what to expect after your car has been stolen or an attempted theft of your vehicle has occurred.
Am I covered?
You are covered if you have ICBC
Specified Perils coverage.
Steps of your auto theft claim
Here's what to do and what to expect when you make your claim.
Step 1: Report to your local police
All stolen vehicles must be reported to the police.
Please make a note of the police file number. You’ll need it when you make a claim with us.
Step 2: Report your claim online or by phone
Report your auto theft claim online or by phone.
Step 3: Arrange for alternate transportation
If your claim is accepted, the maximum we pay for alternate transportation (rental vehicle, taxi or public transit) is $40 per day up to a maximum amount of $800 on a reimbursement basis.
If you bought one of the following optional coverages,
you're eligible for a rental vehicle as soon as you need one:
If you don't have one of these coverages, taxis or public transit are at your own expense for the first 72 hours after the incident.
Step 4: An adjuster is assigned to your claim
Your adjuster will review the details of your theft claim and keep you updated. You may be asked for a written statement about the theft.
Ensure you have all your sets of keys for your car as they will be needed if your vehicle is recovered.
If your vehicle is not found
ICBC will determine the fair market value (actual cash value) for your vehicle. We will offer you a settlement based on this amount.
Step 5: If your vehicle is found, ICBC estimates the damage
If your vehicle is recovered, it will be towed to a claim office or ICBC facility for a damage estimate.
If you are contacted by the police about your vehicle being found, please let your adjuster know.
If it is not economical to repair the vehicle, it may be deemed a write-off. You’ll receive a settlement amount for the vehicle’s market value. Find out more about
Step 6: Shop repairs your vehicle
If there is damage to your vehicle (and it’s repairable), you can go to any collision repair shop in B.C. (We recommend using a c.a.r. shop VALET facility as the repairs are guaranteed.)
Step 7: Pay a deductible
When the repairs are done, you may have to pay a deductible to the shop. A deductible is the amount you have to pay towards repairs before your insurance covers the rest.
If you purchased the RoadsidePlus package, all or part of your theft deductible may be waived.
You may have to pay depreciation on some parts and/or labour that are subject to wear and tear. Talk to your estimator for details.