Driver licensing
Driver Penalty Point Premium
Drivers with more driving offences or convictions get involved in more crashes than other drivers. If you’ve accumulated points on your driving record, you could receive a bill for a driver premium. There are two different driver premium programs, both of which are assessed annually – the Driver Penalty Points (DPP) Premium and the Driver Risk Premium.
How we set insurance premiums
If you have frequent or serious driving convictions resulting from violations, your premium costs for Collision and Third Party Liability coverages may be impacted.
For more information, read the news release.
Driver Penalty Point Premium
Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. Each year we look at the total number of points you received during a 12-month period we call your "assessment period." Your assessment period may include driving offences during an earlier period which have only recently been recorded on your driving record.
If you collect more than three points on your driving record during the assessment period, you'll pay a Driver Penalty Point (DPP) premium.
With increased enforcement in communities throughout B.C., having multiple infractions can now put a serious dent in your wallet. The more penalty points on your driving record, the more you'll pay as a result.
Driver Penalty Points are separate from Autoplan insurance premiums. They are billed even if you don't own or insure a vehicle.
As of September 1, 2019, convictions for frequent or serious driving offences that occurred on or after June 10, 2019 may be factored into your premium costs for Collision and Extended Third Party Liability coverages. Read the news release for more information.
How much will I pay?
The premium ranges from $214 for four points to $29,376 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.
Driver Risk Premium
Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Premium. You will be billed once per year under the program that results in the higher premium.
More information
For questions about your personal situation, contact us.
