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.
To use this tool, you will need:
Sample: Effective date
click to enlarge
Sample: Claim-rated scale level
Sample: Your cost figures
You can find this in the top right corner of your insurance papers – see the sample image provided.
You can find this near the bottom of your insurance papers – see the sample image provided.
You can find this under the heading Coverages, Fees and Premiums - see the sample image provided.
Your policy may not be eligible for a rating on the claim-rated scale or you may be at the base rate. If you are unsure of your status then see your local Autoplan broker, or contact us.
Your policy may not be eligible for a rating on the claim-rated scale. If you are unsure of your status then see your local Autoplan broker, or contact us.
Please enter a valid basic coverage amount.
Please enter a valid amount.
Replacement Cost with NVRNew Vehicle Replacement Plus
Please enter a valid annual insurance amount.
Please fill in all required fields.
The total estimated increase to your insurance premium over the next 3 years is
For further information regarding your premium impact or claim-rated scale discount, see your local Autoplan broker, or contact us.
Note: Limited depreciation is a complex product with many unique factors. Because of that, this estimate does not include your Limited Depreciation premium. With your Limited Depreciation premium included your premium increase will be greater. Please see your Autoplan broker for information specific to your needs.
Values you have entered may not be within the acceptable range and we could not calculate your estimated increase correctly.
Please check the values that you've entered and try again.
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.
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