Rate class list
Just to give you an idea how complex the rating system is, here's part of the list of the more than 150 rate classes that ICBC uses to help determine your insurance premium. The classes are set using data collected from across the country about crash rates, repair costs, theft rates, and many other factors.
Sample rate classes
- Pleasure Use Only
- Pleasure Use Only if vehicle owned and operated by a person 65 years of age or over
- Pleasure Use and vehicle driven to or from work or school in excess of 15 km
- Pleasure Use and vehicle driven to or from work or school not exceeding 15 km
- Pleasure Use and vehicle driven part way to or from work or school, with public transportation used for the rest of the trip
- Business Use including pleasure use
Please Note: Each of the above descriptions is a separate rate class if the vehicle is used only by persons who have held a valid driver's licence for 10 years or longer, and who are at base rate or are receiving a discount.
- Rental (U-Drive) Vehicles
- Artisan Use - private passenger motor vehicles
- Artisan Use - various classes dependent on vehicle GVW [click for definition]
- Municipal Government Vehicles - various classes dependent on vehicle GVW
- Parade Floats - various classes dependent on vehicle GVW
- Septic Tank Truck Use - commercial motor vehicles over 5000 kg GVW
- Water Well Drilling - commercial motor vehicles over 5000 kg GVW
- Mobile Canteen Use
- Motion Picture Vehicle Use
- Travelling Amusement Park Vehicle Use
- Farm Use and Fisherman Use - various classes dependent on vehicle GVW
- Farm Tractor Use
- Delivery Vehicles
- Motor Homes
- Vehicles Use in the Logging Industry
- Vehicles Used in the Silviculture Industry
- Vehicles Operated Under a Road and Bridge Maintenance Contract
- Buses - various classes dependent on distance travelled
- Buses - school bus, private bus and religious bus use
- Taxi Use
- Limousine Use
- Motorcycles
- Motorcycles owned and operated by a person 65 years of age or over
- Golf Carts
- Snowmobiles/Snow Vehicles
- Trailers, other than rental
- Voluntary Fire Department Vehicle - various classes dependent on vehicle GVW
- Other Emergency Vehicles - various classes dependent on vehicle GVW
- Dump Trucks
- Garbage Trucks
- Hearse
- Truckster Type 3 or 4 Wheeled Vehicles
- Farm Tractors Used for Golf Course Maintenance
- Riding Lawn Mowers
- Wreckers
- Woodchip Delivery
- Cement Mixer
- Oil and Gas Exploration Vehicle Use
- Logging Truck Use
- Driving School Vehicle
- Road Building Machine
- Industrial Machine
- Collector Motor Vehicles
- Collector Motor Vehicles - owned and operated by a person 65 years of age or over
- Collector Motorcycles
- Collector Motorcycles - owned and operated by a person 65 years of age or over
