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Changes to ICBC Fleet Insurance

ICBC has changed their rating model to a driver based system. Effective September 1, 2019, driving experience and crash history will have a bigger impact on rates.

How these new changes impact fleet customers?

Fleet policies will continue to be rated similar to the previous model, for the most part. Fleets will not be required to list drivers and at-fault crashes will continue to be factored into your policy which looks at the loss experience of the fleet. Claim repayment rules are also not changing for fleets.

The good news is that there are two new discounts available for fleets. If the vehicle is driven less than 5000 kilometers per year or has autonomous emergency breaking, you may be eligible for additional savings.

Another change with the driver based model means that at-fault crashes can impact your driver if the fleet vehicle has a personal rate class. This means a crash in the fleet vehicle rated for Pleasure, To and From Work, Business or Artisan Use could affect your employee’s non-fleet insurance policy.  Claims occurring on commercially rates vehicles will only affect commercially rated vehicles the driver is listed on.

Please contact with any questions regarding your ICBC Fleet insurance.