ICBC: Drivers get “one free crash” under updated unlisted driver protection

The Insurance Corporation of British Columbia (ICBC) has outlined changes for its unlisted driver protection policy, giving drivers who lend their vehicles to unlisted drivers one “free” crash before they have to pay for the program. The unlisted driver protection program was introduced last September. It is meant to protect drivers in the event someone who is not listed on their policy crashes the vehicle. Notably, ICBC considers individuals who drive a vehicle 12 times a year or less as unlisted drivers. Under the planned changes to the unlisted driver protection policy, drivers have the option to pay the one-time $50 fee into the program – but only after the first free crash. On top of changes to the unlisted driver protection program, ICBC is also considering a number of directives submitted by the provincial government – one such change prohibits individuals from adding low-risk drivers that are not household members or employees to their policies to artificially reduce their insurance premiums.