ICBC Says Distracted Driving Convictions to Now Increase Price of Optional Premiums


According to The Insurance Corporation of British Columbia (ICBC), driving convictions—including distracted driving—will now impact the cost of optional premiums, starting this fall on September 1, 2019.

ICBC says, “customers with frequent or serious driving convictions will pay more for their ICBC optional insurance coverage so that lower-risk drivers can pay less.”

The insurance corporation says they anticipate about 75% of ICBC customers “will be better off than today, with many seeing a decrease to their overall premiums,” after this fall’s update.

Here are the major changes detailed by ICBC:

  • Serious driving convictions such as Criminal Code offences, impaired driving, excessive speeding and distracted driving, will result in increased premiums after the first conviction.
  • Minor offences such as failing to stop, failing to yield, speeding and not wearing a seatbelt will only result in increased premiums if there are two or more convictions during the scan period.

“Today, about 10 per cent of ICBC’s optional customers have a record of multiple or serious driving convictions, yet pay the same optional premium as a customer with no convictions – this isn’t right. Many auto insurers – and certainly private insurers – already use driving convictions as a factor in pricing their premiums, so I applaud ICBC’s move to ensure those who are higher-risk are no longer being subsidized by the overwhelming majority of lower-risk drivers,” said David Eby, Attorney General, in a statement.

ICBC says driving convictions starting from June 10, 2019 onwards will possibly impact a driver’s optional premiums as of September 1, 2019. Premiums will increase in price based on “frequency and seriousness” of driving convictions. ICBC says they will look back over a three-year period to check for driving convictions by June 10, 2022.

Distracted driving convictions in B.C. for the first offence includes a $368 fine and four penalty points ($210), for a total of $578.