ICBC's new insurance model

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​Fleets

For the most part, fleet policies will continue to be rated the same as they are currently. Fleet operators will not be required to list the drivers that use their fleet vehicles, and at-fault crashes will continue to be factored into the policy which looks at the loss experience of the fleet. In addition, there are no changes to the claim repayment rules for fleet customers.

What are the changes to fleets?

Here are the changes that apply to fleets:

  • Fleet policies will be impacted by updates to both rate class (how the vehicle is used) and territory (where the vehicle is used).
  • Two new discounts will be available for vehicles in a fleet:
    • 10% discount for original manufacturer-installed autonomous emergency braking technology; and
    • 10% discount for vehicles driven less than 5,000 km in a year (annual policies only)
  • Fleet claims could impact the at-fault driver’s non-fleet premiums. At-fault crashes from March 1, 2017* onwards will follow the driver based on the rate class of the vehicle insured, regardless of whether the vehicle is in a fleet or not.

* At-fault crashes where the first payment on the claim occurred on or after March 1, 2017.

Factsheet and conversation guide for fleets

For everything you need to know about the changes and what they mean for fleets and their drivers or customers, see the Fleet factsheet and customer conversation guide.

How do these changes impact employers and employees?

Moving to an insurance model that’s more driver-based means crashes will now follow the driver. If a driver has an at-fault crash while driving a fleet vehicle from March 1, 2017 onward, that crash may now follow them and impact their personal and non-fleet commercial insurance. Whether there is an impact depends on the rate class of the fleet vehicle involved in the crash and whether or not that claim has been repaid.

Here are some examples

An employee is responsible for a crash in a company car (personal rate class 007). This crash may impact the policy for their personal vehicle. It may also impact other non-fleet policies with commercial rate classes where the driver is listed.

An employee is responsible for a crash in a delivery vehicle (commercial rate class 400). This crash will not follow the employee on their personal insurance policy.

Starting September 1, 2019, drivers responsible for a crash in a fleet vehicle will receive a letter from ICBC advising them that they may be impacted by the at-fault fleet claim. View a sample of the letter.  

Drivers will be able to find out the impact of a crash on their premiums when they go to renew their Basic insurance with their broker, as there are many factors that will determine their Basic premium beyond just at-fault crashes. This includes the drivers listed on their policy, where they live, how their vehicle is used and whether they’re eligible for any discounts.