You only get to keep your plates if your insurance has lapsed.
As for broker costs, I don't think our rates are primarily correlated with how much it costs for brokers to sell the insurance. See below from a recent globalBC article of the proposed rate increase.
Quote:
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They say the hike is needed to cover current payouts and prepare for future ones, saying higher legal and medical costs have caused claims to rise by $500 million in five years.
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I would like to believe that direct sales will be coming in the future but there are still many questions. Such as how much will it cost to implement? Will there still be a need for auto plan insurance brokers? Will it create more fraud? Will there be more under insured claims?
If you're not properly insured then what are the risks (no coverage?)?
I think the above questions could affect costs of claims and fraud, thus could increase rates as well.