Go Back  British Expats > Living & Moving Abroad > Canada
Reload this Page >

ICBC policy change

ICBC policy change

Old Nov 23rd 2018, 3:47 am
  #1  
Forum Regular
Thread Starter
 
Joined: Aug 2015
Posts: 90
goneforgood is an unknown quantity at this point
Default ICBC policy change

Arrived in Canada on November 14th. We went through the process of getting insurance with ICBC in BC a couple of days ago having bought a car. The procedure is very different from UK. Once the car is purchased the documents are taken to an ICBC affiliated insurance centre where the driving record is inspected, the insurance is selected (personalised according to what coverage suits) and purchased and the licence plates issued. These are then attached to the car and you are good to go. The plates stay with the driver, not the car and should you sell that car and buy another the plates are transferred to the new car.

We had heard horror stories about how stringent the rules were about proving no claims, with 5% reduction being applied to the full annual rate of $3500 for every year of unsullied insurance coverage up to a maximum of 40% (8 years). The coverage had to be unbroken and a gap of even a day being the stopping point. Letters from every insurance company involved were required with a specific format. The amount of effort and time it took to get these letters was not inconsiderable, but we had them, with some wrinkles. The most recent coverage was still current so the insurers would not issue a letter until the policy expired. There was a gap of about 4 months in 2012 when a company car was being used, and we had letters older than the previous 8 years to add extra meat.

We found the staff at the ICBC insurance centre to be delightful and thoroughly helpful. They counted the current policy even though we didn't have the letter, they ignored the gap in 2012 and accepted letters older than 8 years. Our annual insurance came out at $1100. We were also told ICBC would likely be changing the rules next year and letters would no longer be required. That will be a relief for those who (like us) changed insurers every year in the UK to get the cashback.

£650 per year for car insurance when we were used to the £120 or so we usually paid (after cashbacks) is still painful, but with no road tax or MOT maybe not so much.
goneforgood is offline  
Old Nov 23rd 2018, 2:38 pm
  #2  
Banned
 
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Siouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by goneforgood View Post
Arrived in Canada on November 14th. We went through the process of getting insurance with ICBC in BC a couple of days ago having bought a car. The procedure is very different from UK. Once the car is purchased the documents are taken to an ICBC affiliated insurance centre where the driving record is inspected, the insurance is selected (personalised according to what coverage suits) and purchased and the licence plates issued. These are then attached to the car and you are good to go. The plates stay with the driver, not the car and should you sell that car and buy another the plates are transferred to the new car.

We had heard horror stories about how stringent the rules were about proving no claims, with 5% reduction being applied to the full annual rate of $3500 for every year of unsullied insurance coverage up to a maximum of 40% (8 years). The coverage had to be unbroken and a gap of even a day being the stopping point. Letters from every insurance company involved were required with a specific format. The amount of effort and time it took to get these letters was not inconsiderable, but we had them, with some wrinkles. The most recent coverage was still current so the insurers would not issue a letter until the policy expired. There was a gap of about 4 months in 2012 when a company car was being used, and we had letters older than the previous 8 years to add extra meat.

We found the staff at the ICBC insurance centre to be delightful and thoroughly helpful. They counted the current policy even though we didn't have the letter, they ignored the gap in 2012 and accepted letters older than 8 years. Our annual insurance came out at $1100. We were also told ICBC would likely be changing the rules next year and letters would no longer be required. That will be a relief for those who (like us) changed insurers every year in the UK to get the cashback.

£650 per year for car insurance when we were used to the £120 or so we usually paid (after cashbacks) is still painful, but with no road tax or MOT maybe not so much.

Presume you read the Wiki articles?
https://britishexpats.com/wiki/Car_Insurance_in_BC
https://britishexpats.com/wiki/Categ...surance-Canada
https://britishexpats.com/wiki/Car_Buying-Canada

and
https://www.icbc.com/autoplan/moving...residents.aspx
https://www.icbc.com/vehicle-registr...s/default.aspx

Last edited by Siouxie; Nov 23rd 2018 at 2:40 pm.
Siouxie is offline  
Old Nov 23rd 2018, 3:26 pm
  #3  
Forum Regular
Thread Starter
 
Joined: Aug 2015
Posts: 90
goneforgood is an unknown quantity at this point
Default Re: ICBC policy change

Yes thanks. We are passing on our experience with what actually happened to us.
goneforgood is offline  
Old Nov 23rd 2018, 3:32 pm
  #4  
 
Joined: Sep 2008
Posts: 12,830
Aviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by goneforgood View Post
Yes thanks. We are passing on our experience with what actually happened to us.
Don't count your chickens yet!

Presumably you went to an Autoplan agent, which is an insurance broker, not ICBC. All the information goes back to ICBC, who may or may not accept the documents, or a gap in insurance and ICBC are sticklers for the format of the letter, which is why they put it on their website. There are some who, subsequent to the issue of insurance had letters disallowing the discount and a bill for the higher premium. If this happens, the insured has 6 months I believe to come up with satisfactory documentation. For company cars they require a letter from the underwriter of the company vehicle stating that the driver had no at fault claims. Don't get the misguided impression ICBC are a push over!

Last edited by Aviator; Nov 23rd 2018 at 3:46 pm.
Aviator is offline  
Old Nov 23rd 2018, 3:38 pm
  #5  
Forum Regular
Thread Starter
 
Joined: Aug 2015
Posts: 90
goneforgood is an unknown quantity at this point
Default Re: ICBC policy change

Our Autoplan agent went through all our documents with ICBC over the phone while we were there and got approval so hopefully this will be OK. Our car was across the road from the agent, it made sense for us to present our documents in person.
goneforgood is offline  
Old Nov 23rd 2018, 3:47 pm
  #6  
 
Joined: Sep 2008
Posts: 12,830
Aviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by goneforgood View Post
Our Autoplan agent went through all our documents with ICBC over the phone while we were there and got approval so hopefully this will be OK. Our car was across the road from the agent, it made sense for us to present our documents in person.
Hopefully you will be OK. I would be extremely surprised if ICBC allowed a gap in insurance, but you never know.
Aviator is offline  
Old Nov 23rd 2018, 3:49 pm
  #7  
Tea Drinker
 
Danny B's Avatar
 
Joined: Nov 2006
Location: Kamloops, BC
Posts: 5,348
Danny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by Aviator View Post
Don't count your chickens yet!

Presumably you went to an Autoplan agent, which is an insurance broker, not ICBC. All the information goes back to ICBC, who may or may not accept the documents, or a gap in insurance. There are some who, subsequent to the issue of insurance had letters disallowing the discount and a bill for the higher premium. If this happens, the insured has 6 months I believe to come up with satisfactory documentation. For company cars they require a letter from the underwriter of the company vehicle stating that the driver had no at fault claims.
This is exactly what happened to us. We showed the autoplan agent our letters from UK insurance companies and they gave us both a 43% discount. Several weeks later we received a letter in the mail from ICBC asking for more proof and a very specifically worded letter from our ex UK insurance companies. This was like getting blood from a stone but eventually we got one and they reinstated our discount. Bastards.
Danny B is offline  
Old Nov 23rd 2018, 3:51 pm
  #8  
 
Joined: Sep 2008
Posts: 12,830
Aviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by Danny B View Post
This is exactly what happened to us. We showed the autoplan agent our letters from UK insurance companies and they gave us both a 43% discount. Several weeks later we received a letter in the mail from ICBC asking for more proof and a very specifically worded letter from our ex UK insurance companies. This was like getting blood from a stone but eventually we got one and they reinstated our discount. Bastards.
Everyone gets to learn what ICBC are like in the fullness of time!

I have found this useful on more than one occasion.
https://www.mussiogoodman.com/icbc-c...tting-started/
Aviator is offline  
Old Nov 23rd 2018, 3:59 pm
  #9  
Forum Regular
Thread Starter
 
Joined: Aug 2015
Posts: 90
goneforgood is an unknown quantity at this point
Default Re: ICBC policy change

Our Autoplan agent did say that ICBC was very likely going to change the requirements for next year as they realise getting these specifically-worded letters is difficult.
goneforgood is offline  
Old Nov 23rd 2018, 4:24 pm
  #10  
 
Joined: Sep 2008
Posts: 12,830
Aviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond reputeAviator has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by goneforgood View Post
Our Autoplan agent did say that ICBC was very likely going to change the requirements for next year as they realise getting these specifically-worded letters is difficult.
Everything ICBC does is to tighten things up, not make them easier. There have been a number of things like this in the ICBC advisory groups recently.

I don't see it changing, or at least getting any easier. ICBC is on a purge to save money, pay out less and collect more premiums. Lots has changed recently and more changes are coming,

This is the current penalty point premium rate
https://www.icbc.com/brochures/Pages...-premiums.aspx

It is about to get worse!

Last edited by Aviator; Nov 23rd 2018 at 4:29 pm.
Aviator is offline  
Old Nov 23rd 2018, 7:54 pm
  #11  
BE Forum Addict
 
Joined: Feb 2013
Location: BC, Canada
Posts: 3,825
scilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond reputescilly has a reputation beyond repute
Default Re: ICBC policy change

Don't believe what your insurance agent said ICBC might do ........

..... until ICBC themselves actually announce it AND change the rules

As Aviator posted, ICBC is on a major cut to save money, under direction from the Government because they have been paying out so much in insurance costs that it became either cut back OR majorly increase the premiums.

Both might well be happening.
scilly is offline  
Old Nov 25th 2018, 1:53 am
  #12  
BE Forum Addict
 
printer's Avatar
 
Joined: Sep 2006
Location: Kelowna
Posts: 2,482
printer has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond reputeprinter has a reputation beyond repute
Default Re: ICBC policy change

This proposed policy change popped up on Global news in September and i quote:

British Columbians who let a friend or family member occasionally drive their car will be on the hook for a new fee next year.

The measure, which is being labelled as a “cash grab” by critics, was included in an ICBC rate overhaul approved by the BC Utilities Commission on Friday.

The new $50 fee is called “unlisted driver protection,” and the public insurer is recommending that anyone who hands the keys over to a driver not listed on their policy to buy it.

ICBC says it’s meant to apply to people who lend their vehicle out fewer than 12 times a year. And not picking it up could be expensive. Should a driver not on the policy crash an unprotected vehicle, the owner could be left liable for thousands of dollars.

The Crown corporation says there will be exemptions for extraordinary situations such as medical emergencies.
printer is offline  
Old Nov 27th 2018, 5:31 pm
  #13  
BE Forum Addict
 
Joined: Aug 2013
Location: Maple Ridge, Super Natural British Columbia
Posts: 2,062
withabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond reputewithabix has a reputation beyond repute
Default Re: ICBC policy change

Your 'proof of no claims' will be reviewed in a few months time by actual ICBC pedantic staff and will be rejected before 2012 because of the gap. You will be billed for the extra premium.
withabix is offline  
Old Feb 13th 2019, 7:08 pm
  #14  
Forum Regular
 
Joined: Aug 2014
Posts: 57
Brooks52 is just really niceBrooks52 is just really niceBrooks52 is just really niceBrooks52 is just really niceBrooks52 is just really niceBrooks52 is just really niceBrooks52 is just really niceBrooks52 is just really nice
Default Re: ICBC policy change

Originally Posted by goneforgood View Post
Arrived in Canada on November 14th. We went through the process of getting insurance with ICBC in BC a couple of days ago having bought a car. The procedure is very different from UK. Once the car is purchased the documents are taken to an ICBC affiliated insurance centre where the driving record is inspected, the insurance is selected (personalised according to what coverage suits) and purchased and the licence plates issued. These are then attached to the car and you are good to go. The plates stay with the driver, not the car and should you sell that car and buy another the plates are transferred to the new car.

We had heard horror stories about how stringent the rules were about proving no claims, with 5% reduction being applied to the full annual rate of $3500 for every year of unsullied insurance coverage up to a maximum of 40% (8 years). The coverage had to be unbroken and a gap of even a day being the stopping point. Letters from every insurance company involved were required with a specific format. The amount of effort and time it took to get these letters was not inconsiderable, but we had them, with some wrinkles. The most recent coverage was still current so the insurers would not issue a letter until the policy expired. There was a gap of about 4 months in 2012 when a company car was being used, and we had letters older than the previous 8 years to add extra meat.

We found the staff at the ICBC insurance centre to be delightful and thoroughly helpful. They counted the current policy even though we didn't have the letter, they ignored the gap in 2012 and accepted letters older than 8 years. Our annual insurance came out at $1100. We were also told ICBC would likely be changing the rules next year and letters would no longer be required. That will be a relief for those who (like us) changed insurers every year in the UK to get the cashback.

£650 per year for car insurance when we were used to the £120 or so we usually paid (after cashbacks) is still painful, but with no road tax or MOT maybe not so much.

We're just starting to get our documents together now before we move in July. Did you use the templates on the Wiki or something else? The templates on the Wiki seem a bit outdated, they are from 2008 and are letter format and request faxes etc.
Brooks52 is offline  
Old Feb 13th 2019, 7:13 pm
  #15  
Banned
 
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Siouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond repute
Default Re: ICBC policy change

Originally Posted by Brooks52 View Post
We're just starting to get our documents together now before we move in July. Did you use the templates on the Wiki or something else? The templates on the Wiki seem a bit outdated, they are from 2008 and are letter format and request faxes etc.
Use the Links from the wiki to get the outline of what is required and adjust the template to suit https://britishexpats.com/wiki/Car_Insurance_in_BC
This is what is required: https://www.icbc.com/autoplan/moving...residents.aspx

Last edited by Siouxie; Feb 13th 2019 at 7:18 pm.
Siouxie is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.