This is one review I am NOT happy having to write - simply because I had thought that the BCAA is great, reliable and trustworthy. And this review is only in regard to their renter's/home-owner's insurance product.
I have been buying their renter's policy faithfully for the past 5 years but only now found out that they have been overcharging me all this time! And not only just by a bit, but practically DOUBLE what other insurance providers are willing to insure me for. Sure, other companies do have pretty terrible reviews as far as their clients' claim experience has been, but apparently BCAA's customers have also gone through horrible experiences with their claim adjusters and agents handling such claims! Read between the lines on the other reviews here.
And worse, their front line supposedly licensed sales agents (Adrienne?) do not know the basics of the products they are selling i.e. blaming the increase of their year-to-year mill rate of their insurance on inflation instead of the previous year's claim experience (as the policy cover amount has not changed.) Just about laughing to my face when I tried to tell her she was wrong. Their supervisor Kishan Puchooa does not fare much better with only trying to convince me to still buy their product instead of addressing my concerns. Please also note that until I specifically asked if their insurance would cover earthquake damage loss, that he told me that it does NOT, and would cost much more to have such a cover, even with high deductibles. In an earthquake prone area as British Columbia is at, isn't it part of an insurance agent's fiduciary duty to at least mention this? How unethical!
Nahhh.. for their BCAA membership products, pretty good, but for renter's/home-owners insurance, RUN to other insurance agencies. And it's not only because of the admittedly small dollar amount difference (the percentage difference is near to 100% though!), but the fact that you will be dealing with high-turnover amateur sales people! read more