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Drivers of fleet or business vehicles 

If you are the driver in an at-fault crash using your employer’s vehicle (fleet or non-fleet), it may affect future policies where you’re listed as a driver. It depends on the rate class of the vehicle involved. This is part of changes to insurance as of September 1, 2019, to move to a more driver-based model.

How will the changes impact drivers? 

As of September 1, 2019 the more driver-based insurance model means crashes will now follow the driver.

  • If you have an at-fault crash while driving a company non-fleet vehicle - and the first payment on that claim occurred on or after March 1, 2017 - that crash may now follow you and impact your personal and non-fleet commercial insurance.
  • If you have an at-fault crash while driving a fleet vehicle on or after January 1, 2020, that crash may follow you and impact your personal and non-fleet commercial insurance.

Impacts depend on the rate class of the vehicle involved in the crash, and whether the claim is repaid.

How does the rate class impact me if I’m in a crash?

Every vehicle belongs to a rate class. The two that are most important to you are personal and commercial rate classes.

Personal rate classes​
​Commercial rate classes
  • ​Pleasure/Commute/ Business/Artisan (1-7, 12)
  • U-Drive (08, 018, 058)
  • Motorhomes (051)
  • Motorcycles (310s)
  • Collectors (700s)
  • Decommissioned (5, 20s, 55, 320s, 705, 720s)
  • Temporary Operation Permit APV16 (850, 851, 852-859, 860s)
  • ​Light Comm. (9, 11, 13-15, 17)
  • Heavy Comm. (100s, 110s, 120s, 150s, 170s) U-Drive (160s)
  • Delivery (400s)
  • Bus/Taxi/Limo (600s)
  • If you’re responsible for a crash while driving a commercial rate class vehicle – for example, a bus – the claim will not impact your personal policies. It will only affect other commercial rate class policies where you’re a listed driver. (Fleets do not list drivers so this would only apply to non-fleet policies.)
  • If you’re responsible for a crash while driving a vehicle with a personal rate class – for example, a smaller company car rated for business use – then the claim will impact all policies where you are listed as a driver (including your own personal insurance).

How will claim repayment work?

To minimize impacts we will only look back for claims with a first payment that occurred on or after March 1, 2017 when reviewing a driver’s at-fault claims history.

Claims from March 1, 2017 to August 31, 2019

Employees who have an at-fault crash between March 1, 2017 and August 31, 2019 may choose to repay this previous claim to avoid any impact on their personal and non-fleet commercial insurance, and you have until August 31, 2020 to decide if you want to repay it - even if it already affected your premium and regardless of the claim amount. This allows you time to have an informed conversation with your broker about potential impacts to your premium under the new model, and time to decide if you wish to repay.

Claims after September 1, 2019

Customers who repay claims directly with their broker will only be able to repay claims from at-fault crashes taking place from September 1, 2019 onward if the claim amount is $2,000 or less (including the deductible).

If you crash a Fleetplan vehicle, claim repayments may also go through the Fleetplan owner. Talk to your employer for more information.