I have just purchased optional insurance for my 600 through Beacon (it costs me $475/yr vs ICBC's $1,000 so I decided to try). If there is vandalism or theft, anybody knows if there will be a hard time to make a claim? My understanding is that ICBC will probably say a vandalism hits my discount if there is no witness. Is this the same for Beacon? Also, if I make a vandalism/theft claim, will my premium go up next year?
Could anybody has experience share this? Thanks guys.