Question
If I make a claim, will I lose my discount/pay more for my insurance?
Answer
If you’re at fault for a crash, your basic Autoplan premium will go up—unless you have a long, claim-free record. The premium for any optional insurance you have (collision coverage, for example) may go up as well.
Each time ICBC has to pay out a Collision or Third Party Liability claim on your behalf, it goes on your claim record.
Your claim record directly affects how much you pay for auto insurance. Safe drivers enjoy premium discounts. Some drivers who cause crashes—and make claims—may lose their discounts. Others may pay surcharges. ICBC's Claim-Rated Scale indicates the amount of the discount (or surcharge).
After an at-fault claim, each year of claim-free driving helps restore your previous, lower premium.
For more information, see Understanding Autoplan Discounts.
