At-Fault Crashes in Fleet Won’t Impact Driver’s ICBC Premiums

ICBC is making a change to the new rating model so that at-fault crashes that occur in a fleet vehicle will not impact the driver’s ICBC premiums.

Changes were made in August to ICBC’s new model to help fleet customers transition—only fleet claims with a date of loss on or after January 1, 2020 could have potentially impacted the at-fault driver’s insurance premium going forward. The ARA met with ICBC prior to the implementation of ICBC’s new rating model. At that time, the ARA expressed concern over how the unintended consequences of having an at-fault accident while operating a fleet or vehicle would follow the driver’s record. It was felt this would deter people from wanting or continuing to work as a driver. ICBC and Government listened to the ARA and other stakeholders and revised the new program excluding that provision.

This means at-fault crashes that occur in a fleet vehicle will not impact the driver’s ICBC premiums, including their personal policy or other policies where they are listed as a driver. The at-fault crash will also have no impact on the driver’s crash forgiveness eligibility.

Two discounts will continue to be available for vehicles in a fleet:

  • 10 percent discount for original manufacturer-installed autonomous emergency braking technology
  • 10 percent discount for vehicles driven less than 5,000 km in a year (annual policies only).

ICBC has updated information on icbc.com and will also mail fleet customers a letter to advise them of this change. The partners’ page has also been updated, which includes a fact sheet and conversation guide to help communicate this change to drivers/members.

If you have any specific questions related to a policy, it’s best to discuss those with your Autoplan broker. Any other feedback or inquiries, can be emailed to RAAP@ICBC.com