INSURANCE

One accident is all it could take to put your entire business in jeopardy.

Insurance as low as $6 per month, subject to limits purchased!

Truck Protection Products

Health Products

Driver Benefits

Truck Protection Products


  • Accident Downtime Protection
  • Mechanical Downtime Protection
  • Write-Off Protection
  • Deductible Buy-Down Coverage

Accident Downtime Protection

If your vehicle is down as a result of accident you may not be injured but your income stops & your bills continue. With Accident downtime don’t worry about your monthly truck payments till the time your vehicle is in repair shop.

  • Options of $100-$1000/week
  • 5 day waiting period
  • Maximum benefit up to 12 weeks
  • Up to $2000 to tow your vehicle to home base; or
  • Up to $500 to tow your vehicle to the closest repair facility

Mechanical Downtime Protection

If your vehicle is down and is in repair facility for some mechanical problem like part not available, or for any other reason your income stops & your bills continue. With Mechanical downtime don’t worry about your monthly truck payments till the time your vehicle is in repair shop.

  • Add up to $1000/ week of mechanical downtime to your plan
  • ONLY available on vehicles no more than 5 years old
  • Receive the same benefits as Accident downtime with this simple add-on

Write-Off Protection

Having a vehicle written-off can become very costly if you’re not properly covered. Write-off protection will pay up to $30,000 to assist in the event of a write-off. You can use this money to either pay:

  • Outstanding Loan balance
  • Deductibles
  • Down payment for New Truck
  • Coverage options from $5000 to $30,000
  • Covers write-off due to an accident
  • $20,000 in Driver Injury Protection

Deductible Buy-Down Coverage

Deductibles are not cheap. If you are in an accident in your truck even if you are not at fault you will be stuck with a deductible payment.

  • Tractor, Trailer and Cargo coverage
  • Covers At-Fault and No-Fault Accidents
  • Tax- Free Lump sum payment of benefits
  • Third Party Liability Coverage
  • Includes Driver Injury Protection 

Health Products


  • Business Overhead Expense Coverage
  • Critical Illness
  • FirstChoice Disability Coverage
  • Lifestyle Protection Plan
  • Travel Coverage

Business Overhead Expense Coverage

If you are injured in an accident & unable to work, who would pay your bills? 

  • Options of $1000 to $3000/month
  • Maximum benefit up to 12 months
  • Premium from only $27.63/month
  • 30 day elimination period
  • Covers your truck & trailer payments
  • Business insurance payments
  • Utilities/ Telephone services
  • Business and/or property taxes and more

Critical Illness

Critical illness coverage is here to protect you in the unfortunate event of any critical illness.

  • Up to $25,000 in Benefits Available
  • Lump Sum Tax-Free benefit
  • 25 Illnesses covered
  • Guaranteed Issue
  • 24 Month Pre Existing Condition
  • 30 Day Survival Period
  • Must be less than 65 Years of Age

FirstChoice Disability Coverage

Your business and family depend on your ability to earn an income. An injury that causes you to be off of work can jeopardize the future of your business and your family's lifestyle.

  • Get up to $5,000 per month if you are injured in an accident and unable to work
  • 24/7 around the clock coverage (working or not)
  • Benefit periods of 12, 24, 36, and 60 weeks
  • 30 or zero-day waiting period
  • Direct deposit claim payments
  • First payor & in-house claims adjudication
  • Group rates available

Add-Ons:

  • Up to $100,000 in Accident Medical Benefits - see next section for coverage details
  • Up to $300,000 in Accidental Death & Dismemberment Benefits - benefits paid for loss of extremities or life due to an accident
  • Up to $300,000 in Permanent & Total Disability Benefits - lump-sum benefit paid if you can no longer perform 2 of the 6 activities of daily living
  • To Age 70 Rider - continue to receive benefits up until 70 years of age

Accident Medical Benefits:

  • Up to $2,000 in Accidental Dental
  • Up to $10,000 in Prescription Drugs
  • Up to $5,000 in Physiotherapy
  • Up to $5,000 in Chiropractic Care
  • Up to $5,000 in Licensed Masseur
  • Up to $15,000 in Semi-Private Hospital

Lifestyle Protection Plan

You work hard for everything you own. Don't lose it due to an accident or critical illness!

  • Get up to $5,000 per month if you are injured in an accident and unable to work
  • 24/7 around the clock coverage (working or not)
  • Benefit periods of 12, 24, 36, and 60 weeks
  • 30 or zero-day waiting period
  • Direct deposit claim payments
  • First payor & in-house claims adjudication
  • Group rates available

Add-Ons:

  • Up to $3,000/month maximum benefit
  • 12 month benefit - paid monthly
  • Premiums from $10 - $130.50/month
  • Payable from first day accident or 30 days past diagnosis date

What Lifestyle Protection Plan Covers:

  • Your home rent or mortgage payments and/or your car lease/loan payments for up to 12 months if you're unable to work due to an accident or critical illness
  • Serious Injury Survivor Benefit of up to $25,000
  • More optional top-up products available

Travel Coverage

  • $5,000,000 out of the province medical coverage
  • 24 hour a day protection
  • 15, 30 or 60 day trip durations
  • Your trip resets when you return home to your province of residence
  • Single or Family coverage options

Driver Benefits


  • FLEXX VIP Driver Program
  • Drug, Dental & Extended Health Program - (Exclusively for our Members!)

FLEXX VIP Driver Program

Providing professional truck drivers with access to exclusive benefits and services

  • CRITICAL ILLNESS UP TO $10,000 - Receive a lump sum amount if diagnosed with a critical illness and survive.
  • 24/7 INJURT UP TO $10,000 - Receive a lump sum for fractures, dislocations, burns, surgery, and paralysis.
  • PERMANENT INJURY UP TO $10,000 - Receive a lump sum amount if unable to perform 2 of 6 activities of daily living.
  • IDENTITY THEFT UP TO $10,000 - Covers replacement of stolen funds & legal expenses involved in identity recovery.
  • ACCIDENTAL DEATH UP TO $10,000 - Your beneficiary will receive a lump sum in the event of accidental death.
  • LIFE & MENTAL SUPPORT - Access to 24/7 best-in-class and specialist counselling; Work, family, financial, and legal.
  • HEALTH & WELLNESS - Join health challenges, read health tips, become healthier and more productive.
  • DISCOUNT NETWORK - in-store coupons, online shopping cash back, online coupon codes, restaurant discounts.
  • VIRTUAL PHYSICIANS - Call, video, and chat with doctors while on-the-go to receive diagnoses and prescriptions.

Drug, Dental & Extended Health Program Exclusively for Our Members

What's Included:

  • PRESCRIPTION DRUGS - whether for you, your partner or your children
  • DENTAL SERVICES - such as routine procedures like cleaning and fillings as well as emergency dental work required because of an accident
  • VISION CARE - checkups with your eye doctor as well as glasses, contact lenses, even laser eye surgery
  • PROFESSIONAL THERAPY - services provided by a registered massage therapist, chiropractor, psychiatrist and other healthcare professionals
  • HOSPITAL CARE - ambulance service and semi-private room

Health Service NavigatorⓇ - Included With All Plans

All FollowMe™ Health plans include Health Service Navigator to help you quickly and easily get answers to your healthcare questions and access to support services.

  • Assistance navigating the Canadian healthcare system
  • Second opinions from world-class hospitals
  • Accessible by phone or online

Why Choose FollowMe™ Health?:

  • Guaranteed acceptance
  • No waiting period
  • Fast and easy electronic claims
  • Solid coverage at affordable rates
  • 4 plans to choose from
  • AIR MILESⓇ reward miles

8430 128 St – Unit #20, Surrey, BC V3W 4G3

(844).834.6262

info@bcefinance.ca

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