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Driver Penalty Points

To make sure everybody is safe on the road, we introduced this premium to deter careless drivers from driving unlawfully.

Whether or not you own a vehicle, Driver Penalty Point (DPP) premiums are paid into the fund that provides all holders of valid B.C. driver's licences with

Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. If you receive more than three points during what we call your “assessment period,” you must pay a Driver Penalty Point premium.

Note: It is possible to have DPP premiums with or without a traffic ticket, depending on the type of offence.

How are Driver Penalty Points recorded and calculated?

Two things are key to understanding the points on your driving record, the number of points associated with your traffic offences and your assessment period.

Points associated with offences Assessment period for calculating points
  • Each offence has a number of points associated with it.
  • More severe offences are associated with greater numbers of points.
  •  Use the chart to look up the points related to different driving offences.  
  • Each year we look at the total number of points you received during a 12-month period we call your “assessment period.”
  • There is a fine associated with each point total above three points for your assessment period.

More on calculating your point total »

Chart of Driver Penalty Point premiums »

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

Important: 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.

More questions about Driver Penalty Points?

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Glossary
  • An illegal act; a violation of law.
  • The amount of money you pay to the insurance company for your coverage. All premiums are pooled by the insurance company, which then uses that money to pay out claims. Learn more about how premiums are set
  • Your risk of being sued by someone: in legal terms, some third "party" in addition to you (first party) and your insurer (second party). When someone talks about a third-party claim against you, that means you are being sued by a person who holds you responsible for injuring them or damaging their property. The person suing can be your own passenger in a crash you caused. The damage you cause to another person - the third party - is covered under Third Party Liability insurance. What Basic Autoplan covers
  • Insurance that covers you for bodily injury or death in a crash where the at-fault driver or vehicle owner does not have enough insurance to cover the damages awarded to you. What Basic covers
  • For the purposes of vehicle registration, a motor vehicle means a vehicle, not run on rails, that is designed to be self-propelled or propelled by electric power obtained from overhead trolley wires, but does not include a motor assisted cycle. A motor vehicle has an engine, frame and body, and is recognizable as a car, truck, bus, or motorcycle.