This site is optimized for Version 4 and newer browsers with JavaScript enabled. Where you live If you usually drive where there is a lot of traffic, you have more chance of being in a crash than you do if you live in an area where your closest neighbour is five kilometres away.
Some areas have more accidents because of the types of weather they experience.
Each territory has its own rate. Just as with rate classes, the premium for the territory where you drive reflects your risk of being in a crash. For vehicles used for delivery and most other commercial uses, the rate is set according to the highest-rated territory where the vehicle is used. Isolated islands ICBC has a special low-priced policy for you if you drive only on an isolated island. It covers islands that can't be accessed by bridge or regularly scheduled ferry service.