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Claims and your insurance costs

A big factor in your Autoplan insurance premium is your claim record. The good news is that the longer you go without an at-fault crash, the lower your premium will be.

How a crash-free record can affect your premium

All new B.C. drivers start out on our claim-rated scale (CRS) at what's called a base rate (CRS level 0). Out-of-province drivers moving to B.C. may start at a different level based on their previous insurance history.

Your insurance discount gets better every year you don't have an at-fault crash - a Collision or Third Party Liability claim where you're found more than 25 per cent at fault. You can get up to 43 per cent off your Basic Autoplan premium if you're at level -9 on the claim-rated scale. Optional coverage savings could be even higher.

Remember that it's not just your own crashes that could count. If someone else drives your vehicle and has an at-fault crash, your claim record may be affected.

If you're a driver with more than three at-fault crashes in three years, you'll pay a Multiple Crash Premium.

Check out our claim-rated scale chart for details.

If you're at fault in a minor crash

At fault in a crash and the claim doesn't involve a lot of money? It may make more financial sense to repay the claim, if the amount is less than your premium increase would be.

Our premium impact estimator can help you make a decision about repaying a claim so it won't affect your premium.