By law, ICBC has the right to deny a claim in certain situations. The true principal operator was not properly named when the policy was first purchased. A customer's vehicle was insured in the wrong rate class or the wrong territory. The rate class partly determines how much you pay in insurance premiums. For example, rates are lower if you only drive for pleasure and higher if you drive to and from work every day.
Insurance premiums vary by territory throughout the province, depending on risk factors.
You are responsible for declaring the proper rate class and territory for your vehicle when you buy ICBC insurance. If you do not, and you are in a crash, your claim could be denied or you may be required to pay a penalty. An accident was the result of an attempt to avoid police arrest. A person was driving a vehicle without a valid driver's licence or while their licence was suspended. Death, injury, loss or damage was deliberately caused by the use of the motor vehicle.