If you usually drive where there is a lot of traffic, you have more chance of being in a crash than you do if you live in an area where your closest neighbour is five kilometres away. Some areas have more accidents because of the types of weather they experience.
ICBC has divided B.C. into territories:
Each territory has its own rate. Just as with rate classes, the premium for the territory where you drive reflects your risk of being in a crash.
For vehicles insured for pleasure, to or from work, or business use, the rate is decided by where your car stays when it's not in use (usually where you live). For vehicles used for delivery and most other commercial uses, the rate is set according to the highest-rated territory where the vehicle is used.
ICBC has a special low-priced policy for you if you drive only on an isolated island. It covers islands that can't be accessed by bridge or regularly scheduled ferry service. Examples are Protection Island, Gambier Island and Keats Island. Usually people who live on these islands have had their vehicle brought there by barge. If you think you might qualify for this policy, ask your Autoplan broker.
