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

Video: Enraged man terrifies staff and customers at Blind Bay restaurant

Video on Facebook shows the man hurling profanity at workers during the dinner rush on Aug. 7.

Opening night lineup for online Roots & Blues festival released

The first night of the festival on Aug. 14 will be stacked with favourites from previous years

EDITORIAL: Managing wildfires

Wildfires have the potential to cause significant damage within our province

Floating concert to shake Shuswap Lake

Pair of bands booked to play floating concert at the Sea Store on Sept. 5

53 new COVID-19 cases, no new deaths cap off week of high infection rates in B.C.

Roughly 1,500 people are self-isolating because they either have COVID-19 or have been exposed to it

Tech mogul growing North Okanagan’s wine industry

The founder of online dating site Plenty of Fish is developing 900 acres in Vernon

Fentanyl-laced powder being sold as cocaine in Kamloops

Interior Health has released a warning about very strong fentanyl in Kamloops

Unofficial holidays: the weird and wonderful things people celebrate around the world

On any given day of the year, there are several strange, silly or serious holidays to observe

North Okanagan ranch needs support to stay afloat

Founded in 1867, a fundraiser has been launched for the Historic O’Keefe Ranch

Pup stolen from Vernon temporary shelter reunited with owner

Nicola Sanders says her son’s puppy was ‘overjoyed’ to see her owner again

Moving on: Tanev scores 11 seconds into OT as Canucks oust Wild

Vancouver beats Minnesota 5-4 to move into first round of NHL playoffs

Number of Kelowna-linked COVID-19 cases grows to 159

Interior Health reported four new cases region-wide on Friday, 18 remain active

Gene editing debate takes root with organic broccoli, new UBC research shows

Broccoli is one of the best-known vegetables with origins in this scientific haze

Most Read