ICBC's new insurance model

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​ICBC’s new insurance rating model

This section is for fleets, driving schools, garage service operators and others interested in finding detailed information on the new insurance rating model, and what the changes mean to them.

Enhancements to auto insurance in BC

Starting in May 2021, all British Columbians will be protected under a new type of auto insurance, called Enhanced Care coverage. This new auto insurance for B.C. will result in even more generous care, recovery and wage loss benefits and provide long-term affordability and stability to auto insurance in B.C.

We’re working to better understand how this could benefit for our customers. Just as today, the cost of premiums will depend on a variety of factors, most notably whether you purchase full Optional insurance with ICBC. Premium costs will also depend on the level of Third Party Liability coverage you carry and whether your vehicle is primarily operated in B.C. or outside B.C.

We’re focused on supporting our customers through this process so that drivers will be ready come May 2021.  In the coming months, we will be working with our customers to understand how we can best support them during this transition to Enhanced Care coverage.

To learn more about Enhanced Care coverage visit

As of September 1, 2019

As of September 1, 2019, ICBC has moved to a more driver-based insurance model, where driving experience and crash history will play a bigger role in determining premiums. This means crashes will be tied to the driver, not the vehicle, to help make sure drivers are more accountable for their driving decisions.

Listing drivers

Listing drivers is the foundation of the new model. When customers purchase or renew insurance, they'll be asked to declare a principal driver and bring the driver's licence number and date of birth for each driver they want to list.


Fleets (companies with several vehicles covered under Fleetplan) will not need to list drivers. Check Fleets for more details on how fleets are impacted by the new insurance model.


Although fleets will not need to list drivers, there are possible impacts to your drivers or customers due to the changes.

Driving schools

Find information about how the changes impact driving schools and some things you should consider when purchasing or renewing your insurance.

Garage service operators

Garage service operators should be aware of how the changes could impact their drivers or customers, claim repayment and courtesy cars.

Emergency vehicles

Crashes will not follow emergency services personnel who cause a crash while conducting their duties. This helps ensure that there are no personal premium impacts for these emergency services drivers, even if the vehicle is not rated for emergency vehicle use.