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​​Estimate the impact of a claim on your premiums

If you’re at fault in a minor crash, it may make financial sense to repay the claim so it won't affect your premium. Our premium impact estimator below can help.

Enter some details about your insurance coverage and the number of at-fault claims you've had, and find out the estimated increase on your insurance premiums. You can then make an informed decision about whether to repay the claim. Find out more about how claims affect your premiums.

If you decide to repay a claim, you’ll need to do it before your next policy renewal.

Premium impact estimator

To use this tool, you will need:

  • your insurance papers describing the coverages on your policy, titled Owner's Certificate of Insurance and Vehicle Licence (they're probably in your glovebox)
  • the number of at-fault claims (up to three) since your last renewal

Please note: This tool only provides an estimate of what your future insurance premium may be if your at-fault claim is charged to your policy. The tool provides the estimate based on your claim-rated scale level, ICBC rates and other known information at the time you use the tool. The estimate does not factor in a change in vehicle or coverages or any rate increases. In addition, ICBC is making changes to increase the fairness of basic insurance rates which will come into effect from May 6, 2018. These changes are not yet reflected in this tool so it will in some cases underestimate the three-year premium increase. When you’re ready to renew or take out a new policy, talk to an Autoplan broker to determine your actual insurance premium.