ICBC's new insurance model

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​​​​​​​​​​​​​​​​​​​​​​​2019 driver-based insurance model

As of September 1, 2019, ICBC has moved to a more driver-based insurance model, where driving experience and crash history will play a bigger role in determining premiums. This means crashes will be tied to the driver, not the vehicle, to help make sure drivers are more accountable for their driving decisions.

Listing drivers

Listing drivers is the foundation of the new model. When customers purchase or renew insurance, they'll be asked to declare a principal driver and bring the driver's licence number and date of birth for each driver they want to list.


Fleets (companies with several vehicles covered under Fleetplan) will not need to list drivers. Check Fleets for more details on how fleets are impacted by the new insurance model.​


Although fleets will not need to list drivers, there are possible impacts to your drivers or customers due to the changes.

Driving schools

Find information about how the changes impact driving schools and some things you should consider when purchasing or renewing your insurance.

Garage service operators

Garage service operators should be aware of how the changes could impact their drivers or customers, claim repayment and courtesy cars.

Emergency vehicles

Crashes will not follow emergency services personnel who cause a crash while conducting their duties. This helps ensure that there are no personal premium impacts for these emergency services drivers, even if the vehicle is not rated for emergency vehicle use.