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.
For questions about your personal situation,