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Multiple crash premium

If you are 50 per cent or more at fault for three crashes in three years, you might need to pay a multiple crash premium (MCP) of $1,000 in addition to your regular Autoplan premiums. For each additional crash within three years, you would pay an extra $500.

If you are less than 50 per cent at fault for these crashes, the multiple crash premium doesn't apply to you.

Before you renew your licence or insurance

Your multiple crash premium must be paid before renewing your driver's licence or car insurance. Interest is applied to any outstanding amount.

How to pay

You can pay in person or by mail.

In person

Please bring the bill we sent to you and pay at one of these locations:

We accept major credit cards (Visa, MasterCard, and American Express), debit, cash, money orders, and personal cheques.

By mail

Be sure to include:

Payment

    • by cheque or money order, payable to the Insurance Corporation of British Columbia, or
    • by credit card with the completed Visa, MasterCard, or American Express form that was attached to your bill

The completed remittance slip attached to the bill, or a note with the following details about the multiple crash premium:

    • the bill number
    • your full name
    • address
    • driver's licence number, and
    • date of birth.

Mail to:

ICBC Revenue Accounting
151 West Esplanade
North Vancouver, BC V7M 3H9

For security, please don't send cash in the mail.

Disputes

You can't dispute your multiple crash premium, but you may be able to dispute your responsibility in the crashes. If your dispute is successful, you could avoid paying this premium.

Options for reducing your multiple crash premium

You can avoid paying the multiple crash premium by giving up your licence for one year. Interest will be applied to any outstanding amounts.

If you get your licence re-issued before giving it up for a full year, we will pro-rate the outstanding amount on your multiple crash premium to the amount of time you have given up your licence.

Steps to get your reduction

To give up your licence:

  • Go to a driver licen​sing office and let them know you'd like to give up your licence to reduce your premium.
  • When your chosen length of time has passed, call us to confirm the amount owing.
  • Return to a driver licensing office to reapply for your licence
  • Pay what is owed on your multiple crash premium and a $17 licence reissue fee.

More information

If you have any questions about the premium, your driving record or your amount owing, please contact us.