Auto equipment theft claims
Had your stereo stolen from your vehicle? Snow tires? Here's what to do.
Am I covered?
If you purchased ICBC Comprehensive or Specified Perils insurance, you have coverage for your vehicle's permanently attached equipment.
If the equipment is not permanently attached, you may not be covered.
What's permanently attached equipment?
In a basic sense, something permanently attached is generally something that's fixed to your vehicle. Common examples are: a stereo, speakers or snow tires.
If you have any questions as to whether your item(s) qualify, please call us.
Steps of your claim
Here's what to expect when you make your claim.
Step 1: Report to your local police
You must report the theft to the police. Be sure to take down the police file number, if available, before calling Dial-a-Claim or reporting your claim online.
Step 2: Report your claim online or by phone
Report your auto equipment theft claim online or by calling Dial-a-Claim. Our staff will handle your claim for you and direct you to an ICBC approved c.a.r. shop Valet facility for your repairs if applicable.
Please have your receipts ready for what was stolen unless the equipment was installed as Original Manufacturers Equipment (OEM). You don't have to wait to see if the equipment is found.
If an estimate is required, you will either be referred to an ICBC-approved c.a.r. shop Valet facility or a local ICBC claim centre.
Step 3: Provide proof of theft
To make an equipment theft claim, you must produce proof of the existence and value of non-manufacturer's equipment. Receipts should be kept together with a note of the year, make, model and serial number for the equipment. Photos may also be useful.
Step 4: Get a estimate of damage
If an estimate is required, you will either be referred to an ICBC-approved c.a.r. shop Valet facility or a local ICBC claim centre. The process will vary depending on whether you select a c.a.r. shop Valet location or another repair shop. Find out more about repairing your vehicle.
Step 5: Speak with your adjuster
If a police file was opened, you will meet with an adjuster who will follow up on the outcome of the investigation and proceed accordingly.
Step 6: Get your vehicle fixed
If there is any 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.)
Step 7: You pay your deductible
When the repairs are done, you may have to pay a deductible to the shop, and possibly an amount to cover part of the cost of depreciation, too.
The Comprehensive or Specified Perils deductible applies to auto equipment theft claims. The deductible is the amount you have to pay toward repairs or costs before your insurance pays for the rest.
(If you purchased the RoadsidePlus package, all or part of your theft deductible may be waived.)
Anti-theft devices and deductibles
If your anti-theft device prevented a total theft of your vehicle, you may be entitled to the reimbursement of $100 of your deductible.
Step 8: If your equipment is found
Find out what happens if your auto equipment is recovered.
When the repairs are done, you may have to pay a deductible to the shop, and possibly an amount to cover part of the cost of depreciation, too. For example:
Important: Let your adjuster know about the recovery of your auto equipment.
Note: If ICBC isn't notified, you may have to pay back the cost of your claim.
(If you purchased the Roadside Plus package, all or part of your theft deductible may be waived.)