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BIC_BAWS · 08-21-2019, 05:56 PM

Based on another friend, we can deduce that each year of clean driving = ~ -0.06 (0.057 to be exact) points.

As stated above, I have 4 years since first got N, no at fault crashes (paid off), one ticket (minor). I'm at 0.886. Friend has 5 years since he got his N, no at fault crashes, one ticket (minor). He's at 0.829. We live in the same area.

From reddit, someone plotted DF (Y axis) vs Years of Experience (X axis) based on the reddit thread. They deduced that "From the graph, it's clear that the first 10 years of safe driving have the greatest impact on your driver factor. It looks like your factor continues to decrease at a lesser, but constant rate right up to 40 years."

https://www.bcuc.com/Documents/Proce...RateDesign.pdf

Pages 224 - 231 show exactly how an Individual Driver Factor is calculated. For most people, assuming that you have no chargeable claim payments (CCP), you're not a new resident, and you're not a senior citizen, it would be Table 1 (Experience Factor) x Table 5 (Experience Adjustment Factor).

With that in mind, I'll check when I'm home, I calculated a person who just got their N to have a DF of 1.173 or 17.3% surcharge. Since I am at 0.886 or 11.4% discount and a new driver would have a 17.3% surcharge, that would make my effective discount at 28.7%, which is roughly where it was before, at -4/-5 (depending on calculation).

08-21-2019, 05:56 PM	#310
BIC_BAWS OMGWTFBBQ is a common word I say everyday Join Date: Apr 2013 Location: revscene Posts: 5,154 Thanked 5,566 Times in 1,985 Posts Failed 180 Times in 78 Posts	Based on another friend, we can deduce that each year of clean driving = ~ -0.06 (0.057 to be exact) points. As stated above, I have 4 years since first got N, no at fault crashes (paid off), one ticket (minor). I'm at 0.886. Friend has 5 years since he got his N, no at fault crashes, one ticket (minor). He's at 0.829. We live in the same area. From reddit, someone plotted DF (Y axis) vs Years of Experience (X axis) based on the reddit thread. They deduced that "From the graph, it's clear that the first 10 years of safe driving have the greatest impact on your driver factor. It looks like your factor continues to decrease at a lesser, but constant rate right up to 40 years." https://www.bcuc.com/Documents/Proce...RateDesign.pdf Pages 224 - 231 show exactly how an Individual Driver Factor is calculated. For most people, assuming that you have no chargeable claim payments (CCP), you're not a new resident, and you're not a senior citizen, it would be Table 1 (Experience Factor) x Table 5 (Experience Adjustment Factor). With that in mind, I'll check when I'm home, I calculated a person who just got their N to have a DF of 1.173 or 17.3% surcharge. Since I am at 0.886 or 11.4% discount and a new driver would have a 17.3% surcharge, that would make my effective discount at 28.7%, which is roughly where it was before, at -4/-5 (depending on calculation). Last edited by BIC_BAWS; 08-21-2019 at 06:21 PM.