Territory and rate class

The vehicle category focuses on where you live (your territory) and how you use your vehicle (your rate class).


Today, both territory and rate class help to determine your premiums. However, the current information is based on data from 2007; a lot has changed during this time. Crash rates have increased due to traffic density, population growth and changes in infrastructure.

We will adjust those factors to recognize the changes in communities and vehicle use across B.C.  As a result, some customers will see the portion of their premium from territory and rate class either increase or decrease – it all depends on their individual situation. These changes will be rolled out gradually over the next 10 years.

Where you live is only one factor used to calculate your Basic premium. So even if there is an increase to your territory or rate class, you could still see an overall decrease based on how the other factors play out.