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)

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

A 17-year-old snowmobiler used his backcountry survival sense in preparation to spend the night on the mountain near 100 Mile House Saturday, Jan. 16, 2021 after getting lost. (South Cariboo Search and Rescue Facebook photo)
Teen praised for backcountry survival skills after getting lost in South Cariboo mountains

“This young man did everything right after things went wrong.”

Rotary Club of Williams Lake members, including president Mike Austin (second from left), cook up breakfasts during a Stampede breakfast this past summer. (Photo submitted)
ROTARY MONTH: Rotary Club of Williams Lake looking to get back to business

While COVID-19 made most of 2020 and the start of the new… Continue reading

Tribune columnist Jim Hilton captured this photo of the forest floor during a hike in the Helmken Falls area at Wells Gray Provinicial Park. (Jim Hilton photo)
FOREST INK: Forests and its connection to human health, part one

Urbanization and modern lifestyle have diminished possibilities for human contact with nature

Williams Lake physician Dr. Ivan Scrooby and medical graduate student Vionarica Gusti hold up the COSMIC Bubble Helmet. Both are part of the non-profit organization COSMIC Medical which has come together to develop devices for treating patients with COVID-19. (Monica Lamb-Yorski photo - Williams Lake Tribune)
Williams Lake physician part of COSMIC Medical group developing ‘bubble helmet’ for COVID-19

The helmet could support several patients at once, says the group

A scene from “Canada and the Gulf War: In their own words,” a video by The Memory Project, a program of Historica Canada, is shown in this undated illustration. THE CANADIAN PRESS/HO - Historica Canada
New video marks Canada’s contributions to first Gulf War on 30th anniversary

Veterans Affairs Canada says around 4,500 Canadian military personnel served during the war

Conservative Leader Erin O’Toole holds a press conference on Parliament Hill, in Ottawa on December 10, 2020. THE CANADIAN PRESS/Sean Kilpatrick
No place for ‘far right’ in Conservative Party, Erin O’Toole says

O’Toole condemned the Capitol attack as ‘horrifying’ and sought to distance himself and the Tories from Trumpism

Cannabis bought in British Columbia (Ashley Wadhwani/Black Press Media)
Is it time to start thinking about greener ways to package cannabis?

Packaging suppliers are still figuring eco-friendly and affordable packaging options that fit the mandates of Cannabis Regulations

A passer by walks in High Park, in Toronto, Thursday, Jan. 14, 2021. This workweek will kick off with what’s fabled to be the most depressing day of the year, during one of the darkest eras in recent history. THE CANADIAN PRESS/Chris Young
‘Blue Monday’ getting you down? Exercise may be the cure, say experts

Many jurisdictions are tightening restrictions to curb soaring COVID-19 case counts

A health-care worker prepares a dose of the Pfizer-BioNTech COVID-19 vaccine at a UHN COVID-19 vaccine clinic in Toronto on Thursday, January 7, 2021. THE CANADIAN PRESS/Nathan Denette
COVID-19: Provinces work on revised plans as Pfizer-BioNTech shipments to slow down

Anita Anand said she understands and shares Canadians’ concerns about the drug company’s decision

Tourists take photographs outside the British Columbia Legislature in Victoria, B.C., on Friday August 26, 2011. A coalition of British Columbia tourism industry groups is urging the provincial government to not pursue plans to ban domestic travel to fight the spread of COVID-19. THE CANADIAN PRESS/Darryl Dyck
B.C. travel ban will harm struggling tourism sector, says industry coalition

B.C. government would have to show evidence a travel ban is necessary

(Phil McLachlan - Capital News)
‘Targeted’ shooting in Coquitlam leaves woman in hospital

The woman suffered non-life threatening injuries in what police believe to be a targeted shooting Saturday morning

JaHyung Lee, “Canada’s oldest senior” at 110 years old, received his first dose of the COVID-19 vaccine on Thursday, Jan. 14, 2021. He lives at Amenida Seniors Community in Newton. (Submitted photo: Amenida Seniors Community)
A unique-looking deer has been visiting a Nanoose Bay property with its mother. (Frieda Van der Ree photo)
A deer with 3 ears? Unique animal routinely visits B.C. property

Experts say interesting look may be result of an injury rather than an odd birth defect

Most Read