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Unlisted Driver Protection

​Under changes we’ve made to the insurance system in B.C., if an unlisted driver causes a crash in your car, you could face a one-time financial consequence unless you have Unlisted Driver Protection.

Flexibility to lend your car

If you’d like the flexibility to be able to lend your car occasionally to a driver not listed on your policy, Unlisted Driver Protection can provide peace of mind. This new protection allows unanticipated drivers to drive your vehicle occasionally.

Occasional use

Occasional use is up to 12 days in a year, per driver.

If you don’t have this protection, you could face a one-time financial consequence if an unlisted driver causes a crash in your car.

What does Unlisted Driver Protection cost?

You don’t have to pay for this protection to start. As long as unlisted drivers do not cause crashes in your car, this protection will be free.

However, if an unlisted driver does cause a crash in your car, and you want to continue to have this protection, then you’ll need to pay for it at your next renewal. This is in addition to the one-time financial consequence you may have to pay.

If more unlisted driver crashes occur, the cost of this protection will continue to increase.

Exclusions to Unlisted Driver Protection

Even if you have opted for Unlisted Driver Protection, it will not protect you from the financial consequence if any of these people cause a crash in your car, as they should be listed on your policy:

  • Household members or employees (of the principal driver, registered owner, or lessee if the vehicle is leased)
  • Anyone who has driven any of your vehicles more than 12 days in the last year.

Unlicensed drivers, and those who have already caused a crash in one of your vehicles in the last five years (from September 1, 2019), are also excluded.

Find out more about listing drivers.

What is the financial consequence if an unlisted driver causes a crash in my car?

If an unlisted driver causes a crash in your car, you could face a one-time financial consequence. This will depend on a number of factors, such as where they are licensed and their driving experience and crash history.

In most cases, if the unlisted driver has a B.C. driver’s licence, the consequence is 15 times the cost difference between:

  • what the policyholder paid for Basic insurance at their last renewal, and
  • what their insurance would have cost, had they listed the driver who caused the crash

up to a maximum of $5,000.

If there is no difference in the premium, there would be no financial consequence. However, you would still need to pay for Unlisted Driver Protection at your next renewal, if you want this protection.

Here's an example

Mike was not listed on Jennifer’s policy and caused a crash in her car. Jennifer doesn’t have Unlisted Driver Protection.

Jennifer paid $1200 for her Basic insurance at her last renewal. If she had listed Mike at the time, her insurance would have cost $1300 - a difference of $100.

The one-time financial consequence that Jennifer would have to pay would be:

15 x $100 = $1500

If Jennifer wants to have Unlisted Driver Protection, she will need to pay for this protection at her next renewal.

The claim is covered in the event of an unlisted driver crash; the potential one-time financial consequence is separate.

Exemptions

There will be exemptions for extraordinary situations, such as when an unlisted driver uses your car for a medical emergency. Mechanics and valets who may drive your car are covered by their own policy.