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

Speed carving event on Friday and Saturday in Memorial Park

Organizers are keeping event small, physically distanced and stocked with sanitizer

Mission man who nearly died from COVID-19 at Abbotsford hospital reflects on one-month battle

Robert Billyard was in an induced coma to ensure his body would not fight the ventilator to breathe

Lavender hand sanitizer sale raises cash for Fraser Valley Health Care Foundation

Golf course and lavender farm partner up to support health care in the Fraser Valley

Hope resident wants swift action on ‘dangerous’ intersection after accident

The intersection at Old Hope Princeton Way and 6 Avenue is under provincial jurisdiction

UBC soccer star Victory Shumbusho offers one-on-one training for Chilliwack players

The Chilliwack FC grad believes players need more training to reach higher levels of soccer

578 British Columbians currently infected with COVID-19

Seventy-eight new cases confirmed in past 24 hours

Conservation seizes fawn illegally kept captive in Vancouver Island home

A Comox Valley resident charged and fined under the Wildlife Act

Pandemic could be driving more parents to get on board with flu shot: study

University of B.C. study gauges willingness for parents to vaccinate children for influenza

Watchdog clears Okanagan RCMP in death of man after arrest over alleged stolen pizzas

The man died in hospital after having difficulty breathing and broken ribs

35,000 doses of fentanyl part of huge Maple Ridge bust

Largest seizure in RCMP detachment’s history included submachine gun, body armour

Have you seen Berleen? B.C. pig destined for sanctuary goes missing

Berleen was less than two weeks from travelling to Manitoba when she vanished

Health Canada says several kids hospitalized after eating edible pot products

People warned not to store cannabis products where children can find them

‘It’s not just about me’: McKenna cites need to protect politicians from threats

Police investigation was launched after someone yelled obscenities at a member of McKenna’s staff

Michigan plans dedicated road lanes for autonomous vehicles

First study of its kind in the U.S. to figure out whether existing lanes or shoulders could be used

Most Read