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PREMIUM
my premium
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claims-rated scale
 
my premium
CLAIMS-RATED SCALE
Here's How It Works
Every new driver, regardless of age, starts out paying the base rate for insurance. For each subsequent year of driving without any chargeable claims, you move one level down the scale and earn five per cent more discount off your Autoplan premium. With some exceptions, a chargeable (or at-fault) claim is any paid out on your behalf by your Collision or Third-Party Legal Liability coverage.

After eight years with no chargeable claims, it takes only one more year of safe driving to become a Roadstar*, and to be eligible for further savings and benefits. After 15 years of safe driving, you become a RoadStar Gold. The scale below shows how much you'll save at any level.
ICBC® Claim-Rated Scale
 

C.R.S Level

Basic Insurance
Surcharges and Discounts

Chargeable claim?

Move up:

Surcharge Levels

+10

205%

6 steps ^

+9

165%

6 steps ^

+8

130%

6 steps ^

+7

100%

6 steps ^

+6

75%

6 steps ^

+5

55%

6 steps ^

+4

40%

6 steps ^

+3

30%

6 steps ^

+2

20%

6 steps ^

+1

10%

6 steps ^

 

0

Base Rate

6 steps ^

Safe Driving Discount

-1

-5%

6 steps ^

-2

-10%

6 steps ^

-3

-15%

6 steps ^

-4

-20%

5 steps ^

-5

-25%

5 steps ^

-6

-30%

5 steps ^

-7

-35%

5 steps ^

-8

-40%

5 steps ^

Roadstar Discount

-9

-43%

4 steps ^

-10

-43%

4 steps ^

-11

-43%

4 steps ^

-12

-43%

4 steps ^

-13

-43%

4 steps ^

-14

-43%

4 steps ^

Roadstar Gold Discount

-15

-43%

3 steps ^

-16

-43%

3 steps ^

-17

-43%

3 steps ^

-18

-43%

3 steps ^

-19

-43%

3 steps ^

-20

-43%

3 steps ^


If you have a crash
However, if you have a crash resulting in a chargeable claim, you move up the scale. How far you move depends on how long your claim-free record was before the crash. This ensures that long-term safe drivers are not penalized as heavily as less experienced drivers or those who repeatedly cause crashes.

The scale illustrates how you can move as few as three or as many as six steps as the result of a chargeable claim, depending on the level you started at.

The more steps you move, the bigger the difference to your premium. Once you move up past the base rate, you pay a surcharge - a percentage in addition to your base premium - to reflect the higher risk you represent.

For example, the arrow at the bottom of the chart shows how a Roadstar Gold at level (-16) who has a chargeable claim will move three levels, to (-13). The arrow at the top of the chart shows how someone at surcharge, will move six steps as the result of a chargeable claim. At the new level of (+9), that motorist will be paying a 165% surcharge.

After your claim, you will move one level down the scale with each claim-free year of driving. However, three consecutive years of claim-free driving will return you to your pre-claim level on the scale if you were in a discount position, or to the base rate if you were in a surcharge position.
Protecting your discount if you have a chargeable claim
The only way to protect your discount if you have an at-fault claim is to repay the claim, including any costs for vehicle repairs and for bodily injury. ICBC will let you pay the the cost of the entire claim, even if ICBC has opened a file on it, and it will not affect your Claim-Rated Scale standing.

If you have an at-fault claim where the cost of repaying it is not high, it may be cheaper for you to pay for the claim than to follow through with it and then pay higher premiums for three years. Your adjuster will be able to determine which choice will save you money in your specific situation.
Multiple Crash Premium
The Multiple Crash Premium, or MCP, is designed to penalize drivers who repeatedly cause crashes. If you are found to be 50% or more at fault for three crashes within a three-year period, you will be charged a Multiple Crash Premium of $1,000. For each additional at-fault crash within the same three years, there is an additional premium of $500.

The MCP is charged to the driver found responsible for crashes, not to the owner of the vehicle. So a driver who causes several crashes, but in vehicles owned by different people, will still have to pay the MCP. It only applies to crashes of non-commercial, private passenger vehicles.

You must pay any outstanding Multiple Crash Premiums before you can renew your driver's licence or your Autoplan insurance. The MCP is not related to the Claim-Rated Scale, which is based on the vehicle owner's claim record.
 
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