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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.
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