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Driver Risk Premium

Drivers with more driving offences or convictions get involved in more crashes than other drivers — twice as many, in fact. Customers tell us that those drivers should pay more for the higher risks and related claims costs they represent on our roads. That's why we introduced the Driver Risk Premium (DRP) to replace the Driver Penalty Point (DPP) premium.

DRP is being introduced in two phases and the table below shows what offences affect a record and when the premium will come into effect.

Phase Effective date Offences
Phase 1 Beginning in January 2009, DRP takes effect.

You will pay a DRP if you have:

  • one or more driving-related Criminal Code convictions,
  • one or more 10-point Motor Vehicle Act convictions,
  • one or more excessive speeding convictions and/or two or more roadside suspensions.
DRP apply if these offences occurred on or after Jan. 1, 2008

Once the DRP is fully phased in, the driver record scan will be for the past three years.
Phase 2 Will come into effect at a later date that is to be determined. In addition to what's already in Phase 1, DRP Phase 2 will impact you if you get multiple driving-related convictions over a period of time.

When and how will the DRP be calculated?

Each year just prior to your assessment date (which is usually your date of birth) we review your driving record for offences in the previous three years. The DRP program only counts the offences that occurred on or after Jan. 1, 2008.

You receive only one DRP invoice per year, but each driving offence may impact DRP billings for more than one year, depending on the rest of your driving record in a three-year period.

Here's an example of how it will work beginning January 2009 if your birthday is in January:

Conviction count Criminal Code of Canada convictions Roadside suspensions Excessive speed
1 $905   $320
2 $3,760 $370 $370
3 $8,160 $430 $430
4 $14,560 $490 $490
5 $24,000 $560 $560
6 $24,000 $640 $640
7 $24,000 $740 $740
8 $24,000 $850 $850
9 $24,000 $980 $980
10 $24,000 $1,130 $1,130

You are billed for each category that applies to you. For example, if during the assessment period you have two roadside suspensions, one excessive speeding conviction and one Criminal Code conviction, you pay $1,595:

Note: Your conviction history from Aug. 1, 2007 to Aug. 1, 2008 is reviewed to calculate any DPP premium.

Commonly-asked questions about DRP

Refer to following table for questions you may have about the program.

Question

Answer

How many people will pay the DRP?

ICBC expects approximately 8,700 customers to be affected by the Phase 1 of the DRP in the first year.

Will I be affected by DRP?

Every day you make decisions that influence the price you pay for your insurance.

The best way to avoid paying the DRP is to drive safely and avoid traffic convictions.

Is DRP part of my Autoplan premium?

 

The DRP and DPP premiums are separate from Autoplan insurance premiums.

They are billed even if you don't own or insure a vehicle.

Any revenue generated offsets insurance premiums for safe drivers — those who don't have driving offences or convictions and are less likely to cause crashes.

Is the Driver Penalty Point program (DPP) still in place? Will I get two bills if I have driving convictions that apply to DPP and DRP?

 

Both the new Driver Risk Premium (DRP) and the existing Driver Penalty Point (DPP) program will operate until DRP is phased in and DPP is discontinued.

During the transition, you will only be billed under one program. Whether it's DRP or DPP depends on which has the higher premium.

What happens if I don't pay the premium?

 

If you don't pay your Driver Risk Premium, interest will be applied to any outstanding amount.

Insurance coverage provided with your driver's licence will not be valid and you will not be able to complete any driver's licence or vehicle insurance transactions until you pay any debts owing to ICBC or the government.

Do you have more questions or want a copy of your driving record?

If you have more questions about DRP or if you want a copy of any driving convictions, offences or suspensions on your record or wish to discuss your driving record, please call our Customer Contact department at 604-661-2800 or toll free at 1-800-663-3051.