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So - by law you need a minimum of "basic third party liability" through ICBC. From their website: "Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage." Everything else is optional, but highly recommended. This includes things like extended third party liability, collision, comprehensive, and replacement insurance.

As an example of how the rates compare between ICBC and BCAA, here are some actual quotes I got (this is with CRS level -20, which is the maximum discount):

Basic third party liability: $745

ICBC Autoplan Broker
Extended third party liability ($3m): $166
Collision (rate group 27, $500 deductible): $651
Comprehensive (rate group 27, $300 deductible): $332
Total Optional Insurance: $1,149
Other fees (license, registration, etc): $79
TOTAL: $1,973

BCAA
Extended third party liability ($3m): $126
Collision ($500 deductible): $277
Comprehensive ($300 deductible): $233
BCAA membership (if not already a member): $80
Discounts (anti-theft, multi-vehicle, BCAA member, etc): -$153
Total Optional Insurance: $563
Other fees (license, registration, etc): $79
TOTAL: $1,387

Then there is replacement insurance, which basically covers the gap of depreciation if you get in an accident and write off your car. So if you get in an accident when your car is 3 years old, you will get a new 2021 Tesla Model 3 instead of a $50k payout (or whatever a 2018 model is worth in 3 years). My autoplan brokers weren't even offering it for me (or I didn't ask, because I didn't know about it) but BCAA quoted it as $153 per year for "Replacement Cost Plus".

All in all, comparing apples to apples - BCAA is $586 cheaper than ICBC, plus has some additional benefits like one accident forgiveness, etc. I highly recommend talking to someone from BCAA for more information if you're interested - I learned a lot from them (I'm switching my other vehicle over to BCAA).

Thanks for the tip. I picked up my (wife's) model 3 last Friday. I'm going to check BCAA rate and change it over if all possible!!!
 
Re: replacement insurance - Aviva has an 8 year replacement warranty policy that’s $4491 on an MSRP of $81,300. They also have shorter terms available. In addition to having a much better rate than ICBC’s replacement insurance, I feel a lot better knowing my car’s protected against depreciation if it’s written off within 8 years.

Feel free to DM me if you need contact info for a broker, though you can probably try any broker to see if they offer something similar. You don’t need to add it instantly upon delivery. I plan on waiting until I confirm delivery on Monday before placing the policy.
 
Finally got the call!

Delivery tentatively scheduled for Sept 15th @ Powell. Red, AWD non-P, Aero wheels, EAP

Can anyone speak towards financing? Eg. Final price, taxes, and finance terms/rate? It looks quite bugged on the website.. Isn't luxury car tax in BC 10% GST + PST (Which is 5% of GST) at my configuration's price point (78K)? What is this $100.00 federal A/C tax?

Is there a chance I can still get the EV incentive? I hear it gets applied at delivery?...

I'm not sure if I should confirm these terms online because the numbers are totally out of wack (to me.. it seems)?

My Tesla Finance rep confirmed today that if their calculations are slightly off or my bank draft ends up being slightly under the final balance due, they’ll take a personal cheque for the difference. Even when she tried adjusting my financing amount to line up with a balance that matched the draft I already had issued from the bank, the web site math spit out a slightly different number. No idea what happens if you show up with a draft that’s *higher* than the balance due, though.
 
So - by law you need a minimum of "basic third party liability" through ICBC. From their website: "Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage." Everything else is optional, but highly recommended. This includes things like extended third party liability, collision, comprehensive, and replacement insurance.

As an example of how the rates compare between ICBC and BCAA, here are some actual quotes I got (this is with CRS level -20, which is the maximum discount):

Basic third party liability: $745

ICBC Autoplan Broker
Extended third party liability ($3m): $166
Collision (rate group 27, $500 deductible): $651
Comprehensive (rate group 27, $300 deductible): $332
Total Optional Insurance: $1,149
Other fees (license, registration, etc): $79
TOTAL: $1,973

BCAA
Extended third party liability ($3m): $126
Collision ($500 deductible): $277
Comprehensive ($300 deductible): $233
BCAA membership (if not already a member): $80
Discounts (anti-theft, multi-vehicle, BCAA member, etc): -$153
Total Optional Insurance: $563
Other fees (license, registration, etc): $79
TOTAL: $1,387

Then there is replacement insurance, which basically covers the gap of depreciation if you get in an accident and write off your car. So if you get in an accident when your car is 3 years old, you will get a new 2021 Tesla Model 3 instead of a $50k payout (or whatever a 2018 model is worth in 3 years). My autoplan brokers weren't even offering it for me (or I didn't ask, because I didn't know about it) but BCAA quoted it as $153 per year for "Replacement Cost Plus".

All in all, comparing apples to apples - BCAA is $586 cheaper than ICBC, plus has some additional benefits like one accident forgiveness, etc. I highly recommend talking to someone from BCAA for more information if you're interested - I learned a lot from them (I'm switching my other vehicle over to BCAA).

I'm doing the same now and damn, insurance in Kelowna is so much cheaper than Vancouver.
 
So - by law you need a minimum of "basic third party liability" through ICBC. From their website: "Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage." Everything else is optional, but highly recommended. This includes things like extended third party liability, collision, comprehensive, and replacement insurance.

As an example of how the rates compare between ICBC and BCAA, here are some actual quotes I got (this is with CRS level -20, which is the maximum discount):

Basic third party liability: $745

ICBC Autoplan Broker
Extended third party liability ($3m): $166
Collision (rate group 27, $500 deductible): $651
Comprehensive (rate group 27, $300 deductible): $332
Total Optional Insurance: $1,149
Other fees (license, registration, etc): $79
TOTAL: $1,973

BCAA
Extended third party liability ($3m): $126
Collision ($500 deductible): $277
Comprehensive ($300 deductible): $233
BCAA membership (if not already a member): $80
Discounts (anti-theft, multi-vehicle, BCAA member, etc): -$153
Total Optional Insurance: $563
Other fees (license, registration, etc): $79
TOTAL: $1,387

Then there is replacement insurance, which basically covers the gap of depreciation if you get in an accident and write off your car. So if you get in an accident when your car is 3 years old, you will get a new 2021 Tesla Model 3 instead of a $50k payout (or whatever a 2018 model is worth in 3 years). My autoplan brokers weren't even offering it for me (or I didn't ask, because I didn't know about it) but BCAA quoted it as $153 per year for "Replacement Cost Plus".

All in all, comparing apples to apples - BCAA is $586 cheaper than ICBC, plus has some additional benefits like one accident forgiveness, etc. I highly recommend talking to someone from BCAA for more information if you're interested - I learned a lot from them (I'm switching my other vehicle over to BCAA).

Is this with a Kelowna postal code on the ICBC quote?
 
On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.
 
On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.

I asked for the same thing, and he said he can only put it in the notes and hope prep people see it. What else can we do?

Just hope when they prep the vehicles, they don’t cover it in swirls.
 
So - by law you need a minimum of "basic third party liability" through ICBC. From their website: "Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage." Everything else is optional, but highly recommended. This includes things like extended third party liability, collision, comprehensive, and replacement insurance.

As an example of how the rates compare between ICBC and BCAA, here are some actual quotes I got (this is with CRS level -20, which is the maximum discount):

Basic third party liability: $745

ICBC Autoplan Broker
Extended third party liability ($3m): $166
Collision (rate group 27, $500 deductible): $651
Comprehensive (rate group 27, $300 deductible): $332
Total Optional Insurance: $1,149
Other fees (license, registration, etc): $79
TOTAL: $1,973

BCAA
Extended third party liability ($3m): $126
Collision ($500 deductible): $277
Comprehensive ($300 deductible): $233
BCAA membership (if not already a member): $80
Discounts (anti-theft, multi-vehicle, BCAA member, etc): -$153
Total Optional Insurance: $563
Other fees (license, registration, etc): $79
TOTAL: $1,387

Then there is replacement insurance, which basically covers the gap of depreciation if you get in an accident and write off your car. So if you get in an accident when your car is 3 years old, you will get a new 2021 Tesla Model 3 instead of a $50k payout (or whatever a 2018 model is worth in 3 years). My autoplan brokers weren't even offering it for me (or I didn't ask, because I didn't know about it) but BCAA quoted it as $153 per year for "Replacement Cost Plus".

All in all, comparing apples to apples - BCAA is $586 cheaper than ICBC, plus has some additional benefits like one accident forgiveness, etc. I highly recommend talking to someone from BCAA for more information if you're interested - I learned a lot from them (I'm switching my other vehicle over to BCAA).

Man, thanks for the tip. Went to BCAA, and indeed significant savings! I’m gonna go for it.
 
On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.

I asked for the same thing, and he said he can only put it in the notes and hope prep people see it. What else can we do?

Just hope when they prep the vehicles, they don’t cover it in swirls.

If you've seen my pics of the Powell lot, none of the cars had front plate brackets on. I did not ask them to not put the plates on, and they only put them on only after I was done with the ICBC agent, so you should be fine. I did ask how best to remove the 3M VHB tape (should I decide to put on a wrap) and the guy said to use dental floss to cut it out, and use alcohol / glue remover to clean up the residue.
 
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On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.

Yes. I asked them not to put it on for the same reason. Just had to sign something with the ICBC agent since it's illegal to drive without the front plates.

Check if your BCAA insurance coverage is for AWD, my agent reached out today asking which version I had. At the time of purchasing, only Model 3 75 4Dr was available which turns out to be only for RWD. For the AWD, it should be "Model 3 75D 4DR AWD", so just double check and make sure you have the right coverage.
 
On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.
Where you getting the work done and how much were you quoted?
 
On another topic - I'm getting paint protection film installed on my front bumper, so it would be nice to NOT have the service center install the front license plate on the car before I pick it up. Does anyone know if they do this as part of the pre-pickup delivery prep? I've requested via email to my ISA that it not be installed, but I'm not sure how well that message will make it down to the final delivery center.

When I was getting my Model 3, the car did not have the front license holder on it. The delivery specialist installed it after the orientation & ICBC registration. So, you should be able to have not installed. The specialist will call you a day ahead and ask to confirm the appointment. I think you can ask them not to install the license holder.
 
Where you getting the work done and how much were you quoted?
Okanagan Detailing - I'm going with the Opti-Coat Pro Plus 7 Year warrantied ceramic coating, the prices are on the website. The PPF for just the bumper is $550 (which is all I really need), and they're giving me a 10% "package" discount. I'm having it done on the 24th so I'll let you know how it goes.
 
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Okanagan Detailing - I'm going with the Opti-Coat Pro Plus 7 Year warrantied ceramic coating, the prices are on the website. The PPF for just the bumper is $550 (which is all I really need), and they're giving me a 10% "package" discount. I'm having it done on the 24th so I'll let you know how it goes.

How much did they quote for OptiCoat Pro Plus and Pro (if you know)? I wanted to compare with the price here in Vancouver area.