That's not true.

So if the government is guilty, they will pay the plaintiff using the plaintiff's own money collected via taxes. Nice.

Where does it say that about the discount only applying to them? I can't find anything on it. All I see on their website is

It's important to list household members, employees or others who will drive your car, as they are excluded from Unlisted Driver Protection. That means if they aren't listed on your policy and cause a crash in your car, the financial consequence could apply.

Oh crap. My bad.

The logic behind it is stupid and so is ICBC if they think people won't catch on to this and save some money. Anyways make sure you drive to the police station and demand a ticket the next time you drive over the speed limit.

It does seem like quite the oversight.

Feels like it should be 75% on the primary driver and 25% on the owner/lessee (or whatever split you want to make it). 100% if the primary driver is also the owner/lessee.

It's pretty easy for ICBC to find out who the primary driver is in an investigation. Almost impossible to verify whether a person drove your vehicle once that year and wasn't involved in a claim.

They do regulate that, there's a few threads about it on here.

While it is lower, not many people will actually have the other person driving their car 25% of the time.

I added my mom as secondary driver to all my cars and got a bit of savings. Don't see why you wouldn't do it just to have some savings and they can drive your car in emergencies.

Double post

When you catch a tiny tiny % of these, there is no regulation. The people that get caught are always going to be the vocal bunch asking for advice on here, you'll never see threads about people bragging about tax evasion.

Adding drivers makes perfect sense for a household where no everyone has a car.

Its great David Eby is trying to put legislation or something in place so the gov't can't take the profits from ICBC. All that profits should be going back into ICBC and the drivers.

^^ why? ICBC should operate net zero financially. no profit, no loss

run the company leaner, lose half the executives and make ICBC what it should be, a service that we're lucky to have in this province.

that's what this government should be focused on.

so my optional insurance company mailed me , asking for 20 years of claim history. and driving records. after i got the insurance in jan, wtf.

20 years. isn't that overkill?

^bcaa only wanted 10. Stupid part is I'm lowest possible discount with bcaa, yet I'm somehow not the lowest premium with icbc because of an accident I had in 2007

That’s all well and good to say ICBC should be non-profit, but any company should have a buffer, especially in an industry where costs can vary substantially year-to-year.

Unless you get hit by some succesfull business owner, good luck trying to sue anyone who works a regular job for millions, hundreds or even thousands.

Ambulance chasers always go after more money because money is readily available (ICBC). Or the 250-500k earners you talked about. But I wish them good luck trying to privately sue someone who underinsured himself and only had the basic 200k.

Also, doesn't ICBC has an underinsured protection if you get hit by exactly someone like this, who is underinsured?

How will they find out who the primary driver is? I find it just as impossible, unless maybe they introduce some sort of app tracking and entice people with extra discounts (Where they can see the frequently used route).

In an investigation, they talk to people.

just had my insurance renewed... and went up 2k in price... called in to find out ICBC's system dinged me for an accident that wasn't my fault. waiting for them to make the adjustment and return some of my money.

correct, thats why i also load up on the underinsured protection too. Its not that much more (i think 50 bucks a year) and it tops up to 3 million in my case.

https://www.icbc.com/insurance/produ...rotection.aspx

don't forget you have to buy this for each insurance policy now, not just one like it used to be until 2 years ago

more cash grab

2013 Honda CRV, over 15km to work based in Victoria, 3 drivers max discount $1600 annual premium. Last year was $1450.

1992 Chevrolet Cavalier (beater) cheapest insurance possible other than storage, no collision/comprehensive, one driver max discount, $700 annual premium.

:heckno: why not get something made this millennium...80s domestic to daily around isn't safe

looks like on the mazda my rate is the same or even $100 cheaper

didn't keep the original paper only the cancellation one...i assume i'm comparing annual net premium from 2019 vs annual insurance total of 2020?

also noticed it works out cheaper to insure only 9 months and let it lapse than to cancel/plate again

I am looking at the point of getting lots of extra 3rd party liability if they capped the payouts. Have a look at this link, https://www.icbc.com/partners/health...artners-qa.pdf

So minor injury payout is $5500. Death benefit it $30,000. The new overall recovery cost is $300,000 but this has to be a major injury. You can't trust what the autoplan agent is saying, they just want to sell everything. According to this, in order to need $5mil 3rd party liability you will have to hurt lots of people. If they all die you can hit 166, if they live you can only seriously injure 16. The definition of minor injury pretty much covers everything short of permanent brain damage or losing limbs.

So many changes. I'm thinking about lowering my 3rd party for others not a bad idea of putting it into another policy for myself.

went up BY 2k or went up TO 2k?

from how much?

No, it is true. I am a licensed ICBC salesperson as I just tested out the situation and you indeed do not get a cheaper premium if they are not listed as a household member. The CDF on your policy is solely the IDF of the PO (if PO's IDF is the highest) if no other household member is listed. I can send proof to a DM as I would rather not show a screenshot of the broker's site to the public.

Example 1, my own IDF is 0.829 and my friend's IDF is 0.515. My friend is listed on the policy, but not as a household member. CDF = 0.829
Example 2, my own IDF is 0.829 and my friend's IDF is 0.515. My friend is listed on the policy as a household member. CDF = 0.750
Example 3, my own IDF is 0.829 and my friend's IDF is 0.943. My friend is listed on the policy, but not as a household member. CDF = 0.857

EDIT: added wording and examples

Yes, basic comes with $1,000,000 of UMP. Flat rate $25 for 2M, $30 for 3M, $35 for 4M, $40 for 5M.