ICBC Discount - Moving from another province

[canucksfan]

Anyone here familiar with how the ICBC discount works for people who moved here from another province?

My friend got her license when she was 16, and moved here from Nova Scotia when she was 18. She got the claim history letter from her insurance company back home and everything. She's 24 now but her discount is only 20%. Is the discount different for people who moved from another province? I would have thought that she would be at 40% by now...

She called ICBC and was told that because she didn't get a BC license until a couple years ago, the years that she was driving in BC with a Nova Scotia driver's license doesn't count. Does that sound reasonable? Anything she can do to get her discount?

Thanks!

[Timpo]

ICBC | Insurance discount for new residents

[Special K]

I think max discount she would get is 8 years for out of province (i.e. 40% max).

Another question to ask your friend is that did she have insurance in NS since she was 16? And is it continuous? I think having any breaks in between will disallow her eligibility.

See Schedule D, Section 8
ICBC | basic-tariff-2014.pdf

[Speed2K]

if she didn't have a car insured under her own name while in NS she wouldn't have gotten any credit for those years from ICBC. if she had changed over her license at 19 she could've been at 30% discount now.

[hud 91gt]

Originally Posted by Speed2K

if she didn't have a car insured under her own name while in NS she wouldn't have gotten any credit for those years from ICBC. if she had changed over her license at 19 she could've been at 30% discount now.

This^

[Edison_Chen]

If she was listed under parents policy or anybody else's, she is still eligible for discount... But what's weird is she's only getting 20% which doesn't quite add up. If she had a BC plate even if she had an NS DL, she is still entitled to some BC credit.
Posted via RS Mobile

[jdmfemme]

Originally Posted by Edison_Chen

If she was listed under parents policy or anybody else's, she is still eligible for discount... But what's weird is she's only getting 20% which doesn't quite add up. If she had a BC plate even if she had an NS DL, she is still entitled to some BC credit.
Posted via RS Mobile

This is actually correct. Have her phone ICBC customer service and they should be able to cross reference her previous plates and/or discounts associated and correct it. If not, they'll be able to tell her what needs to be done.

[meme405]

So did she have an accident at some point?

[canucksfan]

She has never had any accidents.

She was insured under her parents until she turned 18 and moved here. Her name was taken off her parent's policy when she came here, and since she didn't drive for a couple years, she didn't bother getting a BC license until she turned 21.

If you lived in BC, my understanding is that as soon as you get your L, your discount starts to accumulate even if you decide not to drive and are not insured under your or your parent's policy (as long as you keep renewing your license).

I guess the question is whether or not the gap in between where she didn't drive and didn't have a BC license should count towards her discount calculation (in which case she should be getting a 40% discount)...and if not, why the discount isn't 25-30% (16-18, plus 21-24). 20% just doesn't sound right to me in either scenario.

[meme405]

Originally Posted by canucksfan

she didn't bother getting a BC license until she turned 21.

Is it just me or at 11:49PM, did the OP just edit his post, to reflect his changing information?

It originally said she got her license when she got here when she was 19...

Either way you are correct the discount amount is not correct.

Spoiler!

I do always wonder why people come on here asking questions for "friends". Are your friends not intelligent enough to figure this stuff out for themselves? Also if you have to come into an online forum and do this much research to find the answer to try and help them, have you ever stopped and thought that maybe you are out of your depth and you should just mind your own business?

I mean sure if you are a insurance agent and one of your friends has a problem like this I can understand why you would want to help. Same reason any doctor would step in and try to help someone who has collapsed on the street.

However, this scenario looks more like this to me; you are not a doctor, you have no formal first aid training, and for some reason you are still trying to perform CPR./rant.

[ree666]

icbc sucks. had to correct mine numerous of times.