Quote:
Originally Posted by UnknownJinX
Uhh, because I want a fuel-efficient daily driver and a weekend fun sports car, and I don't feel like going to insurance every weekend?
That's something I wanted to do, but unfortunately can't just because of the way insurance works here.
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My point went over your head.
The point was that it's just as easy to argue "you can't drive 4 cars at the same time, you must be lending your vehicle(s) to other people in your household, so you can pay less insurance"
Imagine a scenario where a household has 3 cars, and three adult drivers - Dad, mom, son. Each person primarily drives their own vehicle.
Dad gets -43%, mom gets -20%, son gets 0%.
If the family wanted to dick the system, currently, they'd list all 3 cars under dad to get maximum savings, and hope ICBC doesn't find out. And let's be honest, we all know somebody that does this. Currently ICBC allows this, at full rates per vehicle, giving you the benefit of the doubt that you're being honest and truly are the principal operator for all vehicles under your name.
If ICBC were to offer multi-vehicle discounts, the family that has no problem dicking the system to save a couple hundred bucks at the risk of being denied insurance when a crash happens, would absolutely have no problem now that the saving is far greater; Multi-vehicle discounts, in BC's case where ICBC is the sole basic insurance provider, gives greater incentive to commit insurance fraud.
The above scenario is much more common and plausible than one person actually using all three vehicles. And as corrupt and money-bleeding ICBC is, offering multi-vehicle discounts would only add fuel to their already sizable dumpster fire.