Driver Risk Premium
Find out if you are affected by the Driver Risk Premium and how much you may have to pay.
You'll pay a Driver Risk Premium if you have
one or more driving-related Criminal Code convictions
one or more 10-point Motor Vehicle Act convictions
one or more excessive speeding convictions and/or two or more roadside suspensions/prohibitions.
How the Driver Risk Premium is calculated
Each year just prior to your assessment date (which is usually your date of birth) we review your driving record for offences in the previous
You receive only one DRP invoice per year, but
each driving offence may impact DRP billings for more than one year, depending on the rest of your driving record in a three-year period.
The Driver Risk Premium, like Driver Penalty Points, is separate from Autoplan insurance premiums. They are billed even if you don't own or insure a vehicle.
This table shows the DRP amounts you may have to pay for different types of driving offences.
Amounts continue to increase for more than 10 convictions.
Ways you can save money
Two options are available to reduce the cost of your Driver Penalty Point Risk Premium (DRP):
- If you give up your driver's licence for your entire billing period, your DRP premium could be eliminated. Please
contact us to discuss your personal situation.
- If you give up your licence for at least 30 days during your billing period, your DRP premium can be reduced.
Steps to get your reduction
To give up your licence:
When your chosen length of time has passed,
to confirm the amount owing.
Return to a driver licensing office to reapply for your licence
Pay what is owed on your Driver-Risk Premium as well as the fee to have your licence re-issued.
DRP questions and answers
Q: Will I have to pay the DRP for more than one year?
A: You will only receive one Driver Risk Premium invoice per year, but DRP looks at all eligible convictions in a three-year period, so a single serious conviction may result in a DRP invoice in each of those three years.
Q: Why is DRP based on a three-year driving record scan?
A: Three years of driving history provides a more accurate prediction of the risk a driver represents (that is, the likelihood they will have a crash resulting in claims costs) than a shorter period of time.
Q: Is DRP part of my Autoplan premium?
A: The DRP and Driver Penalty Point premiums are separate from Autoplan insurance premiums.
They are billed even if you don't own or insure a vehicle. Any revenue generated offsets Autoplan insurance premiums.
Q: Is the Driver Penalty Point program(DPP) still in place?
A: The Driver Risk Premium (DRP) and Driver Penalty Point programs operate in parallel.
Q: Will I get two bills if I have driving convictions that apply to DPP and DRP?
A: You will only be billed under one program. Whether it's DRP or DPP depends on which has the higher premium.
Q: What happens if I don't pay the premium?
A: If you don't pay your Driver Risk Premium, interest will be applied to any outstanding amount.
Insurance coverage provided with your driver's licence will not be valid and you will not be able to complete any driver's licence or vehicle insurance transactions until you pay any debts owing to ICBC or the government.
If you have questions about the Driver Risk Premium, your driving record or your amount owing, please