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Driver Risk Premium

You will pay a Driver Risk Premium if you have

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 three years.

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.

Premium amounts

This table shows the DRP amounts you may have to pay for different types of driving offences.

Conviction count

Criminal Code of Canada convictions

Roadside suspensions/prohibitions

Excessive speed

1

$905

 

$320

2

$3,760

$370

$370

3

$8,160

$430

$430

4

$14,560

$490

$490

5

$24,000

$560

$560

6

$24,000

$640

$640

7

$24,000

$740

$740

8

$24,000

$850

$850

9

$24,000

$980

$980

10

$24,000

$1,130

$1,130

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 Risk Premium (DRP):

Steps to get your reduction

To give up your licence:

  1. Go to a driver licensing office and let them you’d like to give up your licence to reduce your premium.
  2. When your chosen length of time has passed, call us to confirm the amount owing.
  3. Return to a driver licensing office to reapply for your licence
  4. 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.

More information

If you have questions about the Driver Risk Premium, your driving record or your amount owing, please contact us.