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Claims and your insurance costs

A big factor in your Autoplan insurance premium is your claim record. The good news is that the longer you go without an at-fault crash, the lower your premium will be.

Changes to Basic insurance premiums

To get the car insurance system back on track and better for B.C., we’re making changes to it.

One of the biggest ways we can improve B.C.’s car insurance is to change the way premiums are set, including how your claim history impacts your premiums. Find out more about the changes.

How at-fault crashes affect your premium

Under the current system, all new B.C. drivers start out on our claim-rated scale (CRS) at what's called a base rate (CRS level 0).

Your insurance discount gets better every year you don't have an at-fault crash (a crash that you’re found responsible for). See our claim-rated scale chart for details.

Under the new system starting September 1, 2019, at-fault crashes will have more of an impact on your insurance premium than they do today.

In general, the more you crash, the more you will pay in insurance. However, the Basic insurance discount you receive for years of driving experience will be extended and we will recognize up to 40 years of experience (today, customers stop receiving discounts after nine years). That means you’ll see safe driving discounts for much longer than you do today.

Repaying a claim to protect your premium

Under the new system, we’re also changing the rules around repaying a claim.

Currently, if you’re at-fault in a minor crash, it may make financial sense to repay the claim in order to preserve your insurance discount. However, this allows some drivers to mask the true risk they represent.

So, starting September 1, 2019, only claims less than $2,000 can be repaid.*

* We are proposing that customers have until August 31, 2020, to decide whether to repay a previous claim (claims between March 1, 2017 and August 31, 2019), even if it has already affected their premium and regardless of the cost of the claim. This helps ensure you have enough information and time to make an informed decision about whether to repay a claim or not and how it will affect your insurance costs.

Learn more about the changes

Find out more about how driving experience and crash history will impact your insurance premiums starting September 2019.