This site is optimized for Version 4 and newer browsers with JavaScript enabled. Your claim record One of the biggest factors affecting your Autoplan premium is your claim record. If you are not at fault for a crash or a claim, it won't affect your premium. The more crashes you cause and the more claims you make, the more you will pay in insurance premiums. It's as simple as that.
Safe drivers enjoy premium discounts.
And you benefit from even greater safe-driving rewards. The Multiple Crash Premium ICBC has introduced a new program to discourage bad driving . It may affect you if you have had three or more at-fault crashes within three years.