Quote:
Originally Posted by cococly
I don't use my car as much, and I thought to lend the car to my roommate/spouse/parents/family/friends.
If they crashed my car, would it affect my insurance rate?
I have heard there's something called "unlisted driver protection".
I talked to a few ICBC autoplan brokers and have heard different things from the staff there.
Some say if they crashed my car, my CRS would go up, regardless if another person was driving my car or not. Some say that the car cannot be operate by anyone else other than the owner.
Then why would I need "unlisted driver protection"? 
Afterall, how could I lend my car to someone else, while not having to worry about my insurance rating if they get involved into an accident? |
Currently, if someone else crashes your car, your insurance goes up because you're listed as owner of vehicle. It's been that way forever, and will not change until next year.
Under new rules, the accident follows the driver. So you as the owner, will not see insurance premiums go up (or changes to your CRS level), if your friend crashes into a pole.
Also under the new rules, any person that will operate the vehicle more than 12 times a year MUST be listed on the insurance. If ICBC finds your wife drives the car every 2nd week, but is not on the insurance, they will deny coverage. The unlisted driver protection is something like $50 a year, and will cover you if an unlisted driver (that drives your car more than 12 times a year) causes an at-fault crash.
IMO it's a cash grab because it'll be impossible to prove who is and isn't driving your car more than 12 times year, but also it's just $50.
No need to get your pitchforks up, although I would think Autoplan brokers should know more than the general public.