changes to auto insurance in British Columbia driving school factsheet
There are changes - Auto insurance in British Columbia which may impact your employees
As of September 2019, ICBC moved to an insurance model that is more driver-based, where crashes follow
the driver not the vehicle. This means driver experience and crash history play a bigger role in determining
premiums and drivers are held more accountable for their driving decisions.
Moving to an insurance model that’s more driver-based means crashes will now follow the driver. So if
one of your employees or customers has an at-fault crash in a non-fleet company vehicle that crash may
now follow them and impact other policies they are listed on. Whether there is an impact depends on
the rate class of the vehicle involved in the crash and whether that claim has been repaid.
Your vehicles belong to a rate class and these can be divided into three categories – personal rate classes,
commercial rate classes, and rate classes that do not belong to a profile. T
Extract :
Scenario 1: If a driver causes a crash while driving a vehicle with a personal rate class – for example a
company car rated for business use – the claim may impact all policies where the driver is listed,
including their own personal insurance with personal or commercial rate classes where the driver is
listed (non-fleet).
Effective Date: December 5, 2019 | Last Updated: December 9, 2019
Copyright 2019, Insurance Corporation of British Columbia (or ICBC). All rights reserved.
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Scenario 2: If a driver causes a crash while driving a non-fleet vehicle with a commercial rate class – for
example, a bus – the claim will not impact the driver’s personal policies. It may only impact other
policies with commercial rate classes where the driver is listed (non-fleet).
Scenario 3: If a driver causes a crash while driving a vehicle in a rate class that doesn’t belong to a profile,
the claim will not follow the driver on any policy where they are listed.
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