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Driver Penalty Points

To make sure everybody is safe on the road, we introduced this premium to deter careless drivers from driving unlawfully.

Whether or not you own a vehicle, driver penalty point premiums are paid into the fund that provides all holders of valid B.C. driver's licences with

Third Party Liability insurance
Accident Benefits, and
Underinsured Motorist Protection.

Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. If you receive more than three points during what we call your “assessment period,” you must pay a Driver Penalty Point Premium.

Note: It is possible to obtain DPPs with or without a traffic ticket, depending on the type of offence.

How are driver penalty points recorded and calculated?

Two things are key to understanding the points on your driving record, the number of points associated with your traffic offences and your assessment period.

Points associated with offences	Assessment period for calculating points
Each offence has a number of points associated with it. More severe offences are associated with greater numbers of points. Use the chart to look up the points related to different driving offences.	Each year we look at the total number of points you received during a 12-month period we call your “assessment period.” There is a fine associated with each point total above three points for your assessment period. More on calculating your point total. See the table of Driver Penalty Point Premiums.

How much will I pay?

The driver penalty point premium ranges from $175 for four points to $24,000 for 50 or more points. To find out how much you will pay, compare the number of points on your driving record with the table of Driver Penalty Point Premiums.

More questions about driver penalty points?

Call us at:

Lower Mainland: 604-661-2800
Anywhere in B.C.: 1-800-663-3051 (toll-free)

Accident Benefits

Insurance payments to cover lost wages, medical/rehabilitation expenses, or compensation to the estate of a fatally injured person. Any B.C. resident who is insured will be paid Accident Benefits, regardless of who caused the crash. These benefits apply to passengers, drivers, pedestrians or cyclists struck by a vehicle if anywhere in Canada or the United States.
Offence

An illegal act; a violation of law.
Premium

The amount of money you pay to the insurance company for your coverage. All premiums are pooled by the insurance company, which then uses that money to pay out claims. Learn more about how premiums are set»
Third Party Liability

Your risk of being sued by someone: in legal terms, some third "party" in addition to you (first party) and your insurer (second party). When someone talks about a third-party claim against you, that means you are being sued by a person who holds you responsible for injuring them or damaging their property. The person suing can be your own passenger in a crash you caused. The damage you cause to another person - the third party - is covered under Third Party Liability insurance. What Basic Autoplan covers »
Underinsured Motorist Protection, or UMP

Insurance that covers you for bodily injury or death in a crash where the at-fault driver or vehicle owner does not have enough insurance to cover the damages awarded to you. What Basic covers
Vehicle (Motor Vehicle)

For the purposes of vehicle registration, a motor vehicle means a vehicle, not run on rails, that is designed to be self-propelled or propelled by electric power obtained from overhead trolley wires, but does not include a motor assisted cycle. A motor vehicle has an engine, frame and body, and is recognizable as a car, truck, bus, or motorcycle.