Vehicle theft

Am I covered?

You are covered if you have confirmed ICBC Comprehensive or Specified Perils coverage.

When you report a claim, your claims representative will confirm your coverage and next steps, either on the phone or in writing.​

Note: Some claims may take longer for coverage to be confirmed. Please keep your receipts for any out-of-pocket claims costs for reimbursement consideration later.

Steps of your auto theft claim

Here's what to do and what to expect when you make your claim.

Step 1: Make a police report

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 necessary

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. This coverage is only applicable after the first 72 hours following your report of the incident.

If you bought one of the following optional coverages, you're eligible for a rental vehicle as soon as you need one, subject to the limits indicated in the applicable policy:

• Loss of Use

• RoadStar package, or

• Roadside Plus package.

Step 4: A claims representative is assigned to your claim

Your claims representative 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 vehicle as they will be needed if it is recovered.

If you are contacted by the police about your vehicle being found, please let your claims representative know.

If your vehicle is not found

ICBC will determine the fair market value for your vehicle. We will offer you a payment based on this amount.

Step 5: If your vehicle is found

If your vehicle is recovered, it will be towed to a repair facility of your choice for a damage estimate. If you select a facility that is part of the ICBC Repair Network, they provide limited warrantees for repairs for as long as your own your vehicle. Find an ICBC Collision Repair Network facility.

If your vehicle isn't repairable

If it's not economical to repair the vehicle, typically you’ll receive a payment based on the vehicle's fair market value. Find out more about what happens if your vehicle isn't repairable​.

Step 6: Get your vehicle fixed

You will work with your chosen repair facility to schedule the repairs to your vehicle.

Step 7: Deductibles and additional repair costs

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. Talk to your claims representative for details.

You may have to pay depreciation on some parts and/or labour that are subject to wear and tear. Talk to your ICBC estimator for details.