Claim-Rated Scale | Protecting your discount | Can newcomers to B.C. get a discount?
One of the biggest factors affecting your Autoplan premium is your claim record.
Each time that ICBC has to pay out an at-fault [click for definition] Collision or Third Party Liability claim for you, it goes on your record. If you are not at fault for a crash or a claim, it won't affect your premium.
The more crashes you cause and the more claims you make, the more you will pay in insurance premiums. It's as simple as that.
ICBC keeps the "score" using a Claim-Rated Scale.Your place on the scale helps determine your insurance premiums.
Safe drivers enjoy premium discounts. Drivers who cause crashes - and make claims - may lose their discount or pay surcharges. Every year you drive without an at-fault claim improves your position on the Claim-Rated Scale until you reach your maximum discount. And you benefit from even greater safe-driving rewards.
ICBC has introduced a program to discourage bad driving. It may affect you if you have had three or more at-fault crashes within three years.
