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BCUC rates

ICBC's insurance rates are under significant external pressure from the rising number and cost of claims, particularly injury claims.

Any proposed changes to Basic insurance rates must be approved by our regulator, the B.C. Utilities Commission (BCUC). On December 14, 2018, ICBC submitted an application to the BCUC for a Basic rate increase of 6.3 per cent. On August 19, 2019, ICBC received approval from the BCUC on the application for a 6.3 per cent increase to Basic insurance rates. This increase was first approved on an interim basis and went into effect April 1, 2019.  

Changing auto insurance in B.C.

ICBC is working with the provincial government to get the car insurance system back on track and better for B.C. We’re providing more care for those injured in a crash while reducing legal costs. April 1, 2019, saw the implementation of increased accident benefits for British Columbians and a limit on pain and suffering payouts for minor injury claims. 

We’re also holding drivers more accountable for their driving decisions, effective September 2019. The changes are separate from ICBC’s Basic insurance rate application. They do not increase or reduce the overall amount of money ICBC needs to collect; rather, they rebalance individual drivers’ premiums to better reflect their risk. The more crashes a driver causes, the more they will pay in insurance.