changes to auto insurance in B.C.
driving school factsheet
What do these changes mean for (non-fleet) driving schools?
Crashes follow the driver, not the vehicle
Under the new model, at-fault crashes will follow the driver, not the vehicle. So if someone causes a
crash, the claim is counted on their driving record - not on the registered owner of the vehicle. Driving
school vehicle owners may no longer see impacts to their insurance discount if a student is responsible
for a crash in a driving school vehicle.
For more information on ICBC’s new insurance model visit the Business Partners Page.
Understand who you should list
Listing those who drive the car helps to ensure the risk involved in insuring the car is more accurately
assessed. Of the listed drivers, up to two driver factors, which represent a driver’s risk on the road, will
be used to determine your insurance premiums. As a registered owner, you will be asked to list those
who drive your car. To help protect against financial consequences, driving schools should consider
listing:
• All employees who will drive the vehicle(s);
• Customers who will drive any of the vehicles more than 12 days in any 12 month period;
• People who have already had an at-fault crash on any of the vehicles within the five years prior
to the crash;
• Those who will drive the vehicle such as owner/operators, household members and regular
drivers.
Adding drivers won’t necessarily change your premium – it will depend on many factors including the
driving experience and crash history of the listed drivers.
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