Skip to main content
John Fleming Insurance - Burnaby BC Insurance Broker
John Fleming Insurance Auto Insurance - Burnaby BC

Get the right replacement cost coverage with real help.

Clear guidance, quick answers, and the coverage that keeps you whole after a loss.

Call Us

A new or new-to-you vehicle is a big investment, and standard coverage doesn't always protect its full value if there's a serious loss. Replacement cost coverage helps you avoid a big financial hit if your car is written off.

We help drivers across Burnaby, the Lower Mainland, and all of British Columbia combine their ICBC Autoplan policy with replacement cost options from partners like Optiom, DriveSure, and Mode. Our team explains how new and used car replacement works, what's covered, and how it fits alongside your ICBC basic and optional coverage so there are no surprises at claim time.

If you're not sure which replacement cost option is right for your vehicle, we can walk you through it.

Coverage Options

Keeps your vehicle at its original value if it's written off.

Protection based on condition and market value at purchase.

Ensures repairs use new parts, not depreciated values.

Avoid paying out-of-pocket if your loan is higher than payout.

Fast help navigating write-off decisions and next steps.

Not sure which replacement cost option fits your vehicle? We'll walk you through it.

Frequently Asked Questions

It protects your vehicle from depreciation after a loss — keeping you closer to "whole."

No. We explain your options, including dealer programs and insurer programs.

Often, yes — used vehicles still depreciate quickly.

No — replacement cost works alongside your ICBC policy.

Most programs offer 3–7 years depending on provider.

Ready to protect your vehicle's value? We can help you choose the right coverage.

Trusted by Burnaby drivers for over 40 years.

Ready to get covered?

Let's get your quote started. We can walk you through the steps.

Call Us