B.C. Attorney General David Eby introduces former NDP cabinet minister Joy MacPhail as chair of the ICBC board Aug. 19, 2018. (B.C. government)

Hefty undeclared driver charges piling up, ICBC warns customers

Average extra penalty $2,971 after an at-fault accident

Unregistered driver penalties have been issued to 444 Insurance Corp. of B.C. customers since they were imposed last fall, and they are being dinged at an average of almost $3,000 each for failing to declare a driver who causes an accident.

Changing the risk assessment of vehicle insurance rates took effect in September 2019, shifting the cost from vehicles to individual drivers. That includes a declaration of household members, employees and others who use the insured owner’s vehicle 12 or more days in a calendar year. When that’s not disclosed, an accident triggers an additional charge on top of the deductible and premium impact of a crash claim.

This one-time “financial charge” is not a fine, ICBC clarifies in a statement July 9. ICBC calls it the UDAP, or Unlisted Driver Accident Premium. Its rate varies depending how bad the undeclared driver’s accident record is, and can go as high as $5,000 added to basic insurance, plus twice the optional insurance premium.

RELATED: Lawyers out, ICBC rates down next year, Eby says

RELATED: New B.C. drivers pay most for optional insurance

ICBC gives an actual example of how the UDAP is much more costly than what insurance would cost a bad driver:

Description: Married couple, in their 50’s, living together in Metro Vancouver. One person has no crashes, and the other has caused three at-fault crashes in 2018. The one who has caused three previous crashes isn’t listed on the policy but drives the car anyway and causes a crash this year.

What they paid for their insurance: $2,800/year

What they should have paid if both people were listed properly: $3,900/year, a difference of $1,100/year.

Unlisted Driver Accident Premium (UDAP):

Total: $8,140

Optional portion waived by ICBC: $3,140

Adjusted total: $5,000


@tomfletcherbc
tfletcher@blackpress.ca

Like us on Facebook and follow us on Twitter.

BC legislatureICBC

Get local stories you won't find anywhere else right to your inbox.
Sign up here

Just Posted

Eighteen unattended cannabis plants discovered near Saanich trail

Plants cannot legally be grown in public spaces

One man in hospital with severe injuries after small fire in Victoria apartment building

Man was found by firefighters responding to multiple 911 calls about smoke on third floor

More than $800,000 in suspected cocaine seized from ship near Victoria

RCMP Dive Team suspects more narcotics had been stored below ship’s waterline

Area residents concerned about aftermath of McKenzie interchange construction

Ministry says neighbours’ concerns being heard, will be addressed

Teen killer Kelly Ellard gets day parole extension allowing up to five days at home

Ellard is serving a life sentence for the 1997 murder of 14-year-old Reena Virk

Teachers to get 2 extra days to prepare for students’ return, now set for Sept. 10

Students will first start with orientation and learn rules of COVID-19 classroom policies

New Tory leader must build a strong team in Commons and for the campaign: Scheer

Scheer marked his final day in the House of Commons today as leader of the Opposition

B.C. to hire 500 more COVID-19 contact tracers ahead of fall

Contract tracers add an ‘extra layer’ in the fight against the novel coronavirus

Feds commit $305M in additional funds for Indigenous communities during COVID-19

Money can be used to battle food insecurity and support children and mental health

We were a bit tone deaf: Hobo Cannabis renamed Dutch Love after backlash

Hobo Cannabis has various locations in Vancouver, Kelowna and Ottawa

Man accused of killing Red Deer doctor says he does not remember attack

Appearing before a judge, Deng Mabiour, 54, rambled about being sick and needing a doctor

Andrew Scheer likely marking last day in House of Commons as Opposition leader

Today’s Commons sitting is one of two scheduled for August

Deaths feared after train derails amid storms in Scotland

Stonehaven is on the line for passenger trains linking Aberdeen with the cities of Edinburgh and Glasgow

DFO says 5 aggrieved B.C First Nations were consulted on fisheries plan

Nuu-chah-nulth First Nations calls response ‘a sham,’ adding DFO never incorporates their views

Most Read