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Driver Penalty Point Premium

Drivers with more driving offences or convictions get involved in more crashes than other drivers. If you’ve accumulated points on your driving record, you could receive a bill for a driver premium. There are two different driver premium programs, both of which are assessed annually – the Driver Penalty Points Premium and the Driver Risk Premium.

Driver penalty points

Driver Penalty Point Premium

Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. Each year we look at the total number of points you received during a 12-month period we call your "assessment period." This period ends five months before your birthday.

If you collect more than three points on your driving record during the assessment period, you'll pay a Driver Penalty Point (DPP) premium.

Driver Penalty Points are separate from Autoplan insurance premiums. They are billed even if you don't own or insure a vehicle.

Your assessment period may include driving offences during an earlier period which have only recently been recorded on your driving record.

How much will I pay?

The premium ranges from $175 for four points to $24,000 for 50 or more points. To find out how much you will pay, compare the number of points on your driving record with the table of Driver Penalty Point premiums.

Driver Risk Premium

Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Premium. You will be billed once per year under the program that results in the higher premium.

More information

For questions about your personal situation, contact us.​

Pay a Driver Penalty Point Premium

Pay a Driver Penalty Point Premium

If you've received a bill for a Driver Penalty Point premium, you have 30 days from the invoice date to pay it. Your bill can be paid in person or by mail.

In person

Please bring the bill we sent to you and pay it at one of the following locations:

We accept major credit cards (Visa, MasterCard, and American Express), debit, cash, money orders, and personal cheques.

By mail

Be sure to include:

  1. payment

    • by cheque or money order, payable to the Insurance Corporation of British Columbia, or

    • by credit card with the completed Visa, MasterCard, or American Express form that was attached to your bill

  2. the completed remittance slip attached to the bill, or a note with the following details about the multiple-crash premium:

    • the bill number

    • your full name

    • address

    • driver's licence number, and

    • date of birth.

Mail to:

ICBC Revenue Accounting
151 West Esplanade
North Vancouver, BC V7M 3H9

For your security, don’t send cash in the mail.

Disputing points

By paying a traffic ticket, you’re accepting guilt and the points associated with the ticket. The only way to dispute penalty points is by disputing the ticket that you have received. Tickets and points are kept on your driving record for five years.​

Driver Penalty Points premium chart

Driver Penalty Point Premium chart

The Driver Penalty Point premium you need to pay depends on the total number of points you accumulate in a 12-month period. These points stay on your driving record for five years, but you only pay the premium once.

Driver Risk Program may also apply

Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Program. You will be billed once per year under the program that results in the higher premium.

Number of penalty points Annual Driver Penalty Point premium $
0-3Nil
4175
5230
6300
7415
8520
9640
10905
111,080
121,260
131,680
141,920
152,160
162,480
172,800
183,120
193,440
203,760
214,160
224, 560
234, 960
245,360
255,760
266,240
276,720
287,200
297,680
308,160
318,720
329,280
339,840
3410,480
3511,120
3611,760
3712,400
3813,040
3913,680
4014,560
4115,360
4216,160
4316,960
4417,760
4518,560
4619,520
4720,480
4821,440
4922,400
50 or more24,000

Reducing your Driver Penalty Point premium

Reducing your Driver Penalty Point premium

You can reduce or eliminate your driver penalty point premium if you give up your driver's licence for a temporary period.

Options for reducing your driver penalty point premium

You have two options to reduce the cost of your driver penalty point (DPP) premium:

  1. If you give up your driver's licence for one year from your birthday, your DPP premium can be eliminated.
  2. If you give up your licence for at least 30 days during your billing period, your DPP premium could be reduced.

Premium reductions are also available to drivers who have been prohibited, suspended or who are off the road for certain other reasons. Remember that there are fees to re-instate your licence.

How to get your premium reduced

  1. Go to a driver licensing office to turn in your licence.
  2. When your time without a licence (minimum 30 days) has passed, call ICBC to find out how much you now owe.
  3. Pick up your re-issued licence from your driver licensing office.
  4. Pay what is owed on your DPP premium and your fee.

Suspended and prohibited drivers

If you have been suspended or prohibited from driving for 60 days or more, you’re eligible for a DPP premium reduction. These 60 days must have been completed within the billing period.

To get your premium reduced:

  1. Call ICBC when your suspension ends to find out how much you now owe.
  2. Re-instate your licence by attending one of our driver licensing offices.
  3. Pay what is owed on your DPP premium as well as the re-instatement fee and licence fee.

Have you been out of B.C. or off the road?

A DPP premium reduction is also available if, for 30 days during your billing period, you were:

  • living in another province and held a driver's licence from there
  • staying in a country other than Canada or the U.S.
  • incarcerated, or
  • not operating a vehicle for medical reasons.

To be eligible, you need documentation showing that one of these conditions applies to you.

Disputing points

By paying a traffic ticket, you’re accepting guilt and the points associated with the ticket. The only way to dispute penalty points is by disputing the ticket that you have received. Tickets and points are kept on your driving record for five years.​