You've told us that people who pose more of a risk on the road should pay more to drive. And research indicates that drivers with three or more motor vehicle violations within a three-year time frame have more than twice as many crashes as other B.C. drivers. The premiums these drivers pay should reflect the risks and associated claims costs they represent on our roads. That's why we are introducing the Driver Risk Premium.
Drivers with one or more driving-related Criminal Code convictions, excessive speeding tickets and/or two or more roadside suspensions will pay a Driver Risk Premium (DRP). The DRP will apply to offences that occur on or after January 1, 2008. These drivers will pay more starting January 1, 2009.
The second phase of DRP will begin in January 2009 and will impact drivers who have three or more motor vehicle-related offences.* This phase of the DRP will apply to offences that occur on or after January 1, 2009. These drivers will pay more starting January 1, 2010.
Once the DRP is fully phased in, the driver record scan will be for the past three years.
* Can include offences such as speeding, changing lanes without signaling, passing on the right of the highway, not wearing a seat belt and other violations.
The Driver Risk Premium is separate from Autoplan insurance premiums. It's billed even if the customer doesn't own or insure a vehicle.
Right now, ICBC estimates about five per cent of customers will be affected by the DRP by the time it is fully implemented; 95 per cent of customers will not. But we're telling customers about the program now so they have a chance to change their driving behaviour.
The best way to avoid paying the DRP is to drive safely and avoid traffic convictions.
Beginning in January 2009, drivers who have one or more driving-related Criminal Code convictions, one or more excessive speeding tickets and/or two or more roadside suspensions will pay a Driver Risk Premium (DRP). The DRP is based on convictions over a three-year period and will apply to offences that occur on or after January 1, 2008.
The additional premium will be paid on top of the yearly cost of auto insurance.
Both the new Driver Risk Premium and the existing Driver Penalty Point program will operate until the DPP program is phased out at the end of 2011. Until then, the driver will be billed the higher premium that applies under either program.
A driving record that shows:
will be billed according to this table.
| Conviction Count |
Criminal Code of Canada Convictions |
Road Side 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 |
Amounts will continue to increase for more than 10 convictions.
If you want a copy of any driving convictions, offences or suspensions on your record or wish to discuss your driving record, please contact:
ICBC Customer Contact
910 Government Street
Victoria BC V8W 3Y5
250-978-8300 or 1-800-950-1498
Both the new Driver Risk Premium and the existing Driver Penalty Point program will operate until the DPP program is phased out at the end of 2011. Until then, the driver will be billed the higher premium that applies under either program.
If you do not 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.
