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As much as I hate seeing yet another ICBC rate hike, for some reason, I am not nearly as upset as I was compared to their last 2 hikes. In a News1130 news link on the same topic: Quote:
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Go look into the Bad drivers thread, That is one of the big reason of rate increases. Bad drivers with N, L and C stickers in there expensive cars crashing. There is alot of older 65 plus year old drivers that drive a hell of alot better then that whole thread let alone some municipalities.. |
I just had to fucking realign my bumper on my 240z due to some asshat. Rates going up, probably because they are claiming a hit and run on their own hit and run. f#^ck I hate bad Parkers lol |
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I'm back feeling like i'm 18... basic and theft with shit coverage paying close to what I did at that age with minimal experience. Tough pill to swallow at almost 30. Especially on a car worth so little. |
I want the fucking multi car discount. I am paying those assholes more money, they should give me a discount since I am only driving one car at a time. If they had more people with multiple cars there'd be more money in their pockets, but nope, no multi car discount. Also, BC liberals stop raiding the ICBC money. |
Thing with seniors too is in the big picture, they don't give a fuck if they get into an accident lol Your 70+ and get into an accident that's your fault, how much longer are you going to be driving anyways? Lol ICBC will never recoup premiums from seniors who get into accidents because odds are they will never have to insure a vehicle for the required period of time after the accident |
Fuck you young bastards........... I drive better than any of you cunts................ god bless......... we're paying for all those fucking dishonest assholes who cheat ICBC. Make false claims, etc. Anyway, the government is hoping rate hikes will pit people against each other. Damn right I'll report fraud. |
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The 7% pre-HST tax was bullshit enough |
humans like incentives... and monitoring holds the correct individuals accountable for their actions... 1) $50/yr rebate if you have a dashcamera professionally installed with parking mode. If dash camera "failed to operate" at time of incident, driver at time is automatically 60% at fault. 2) $150/yr rebate if "driving monitoring" device is installed to the car's diagnostic port. Rebate level increases for each year of driving that meets "safe" standards as pre-set. (We share our location with Waze, phone number with FB and employment history with Linkedin... plugging this in to save a few dollars shouldn't be an issue) 3) $200 rebate per instance if video footage of a incident is voluntarily shared with ICBC. 4) If #2 is not accepted, automatic increase in premium of $150/yr, with 5.5% yearly premium increase. |
This won't be a popular opinion but I do think ICBC is getting hit hard with vehicle repair costs. Cars are getting more complicated every year and more expensive to repair. They have to pay the costs of importing parts from the US or other countries with our crappy dollar so they are passing that cost on to us. The government is addicted to the revenue from private car sales. That won't go away any time soon. |
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how about ICBC have incentives for those running dash cams saving them resource & time I do 98% of the legwork anyways didn't they also want to rid the collector status too? My experience with ICBC have all been reasonable...but these little things and the cost irks me. I welcome options...everytime I compare my insurance to other motorists coveragein AB/USA :facepalm: |
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I had to renew my plates last month so I was getting some quotes on some other vehicles because mine is on its lost legs. Here's some of the quotes I got for other cars compared to mine with the same minimal coverage+1,000,000 liabilty. 2014 subaru crosstrek-150$ a month 2009 subaru impreza sti-175$ a month 2001 subaru legacy gt-b twin turbo JDM-148$ my piece of shit 2002 subaru impreza ts that I paid 2000$ for-148$ What annoys me is how it seemed like the class of the car didn't even matter among these quotes. A god damn RHD car with two god damn turbos shouldn't cost the same as a beat up 2000$ impreza. I got a quote from a company in alberta and my impreza would cost something like 78$ a month. I also found it really ridiculous that there wasn't even a inspection of the car to prove that it was road worthy. The car could literally be on fire at the moment i renew my insurance and i could still get a new tag. Makes zero god damn sense. Along with all the points made by the Original poster I have a few more suggestions to stabilize the rates. 1.If you drive with a dashcam running you should get a 50% discount. You're making it so ridiculously easy for any claim adjuster to do his job. 2.There should be mandatory driving tests every 10 years to renew your knowledge of the roads. Driving today wasn't like it was 20 years ago and all those bad habits that drivers pick up won't go away unless they are barred from driving because of them. 3.If you drive a luxury car or a super car you should pay a high end premium. I don't know what the rates for a mclaren p1 might be but if an STI is only 20$ more a month then the bone stock impreza then something is clearly wrong with the system. 4.Mandatory vehicle inspections every time you renew plates on a car older then 15 years. Get all those shit heaps that break down on the alex fraser off the damn road. I think this should apply to commercial vehicles every second year as well. 5.if you fail your drivers test you cannot retake it for 3 months. This amount of time doubles each time you fail it. Also, in alberta you pay for the road test. Not sure if that is a thing here. To be honest I should just send this to an MLA or something. Writing this crap on a forum isn't really going to do anything besides be a vent. Since I've moved to this province ICBC and the health system has baffled and annoyed me beyond reason. |
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The only (mere) discount ICBC gives is for cars having a passive electronic immobilizers. One could argue there should be a discount for those vehicles parked indoor inside garages / gated underground parking etc as opposed to the ones parked on the street prone to vandalism and break-ins too. But it's just too hard to administrate. What if someone have a garage at home, but choose to park it outside anyways? Or only indoor 5 days a year? What if someone have a garage but the car is spent mostly at work, or god-forbid - parking lots in Richmond? Quote:
Think of the extra "revenue" ICBC could generate from these road tests! :toot: Quote:
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My garage policy went up too. Committed to lowest possible cost my ass. I hate that letter they sent me about the rate hike. 5.5%. goddamn So this is another rate hike on top of that 5.5 from May of this year? And that would make this the 2nd year in a row trying to increase? |
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No problem. You can be one of the drivers that pay the 5.5% increase each year. The beauty of giving people options :) Also why are they terrible? |
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Most rules are made for the "majority", I'd find it hard to believe most cars in BC don't have OBD 2 port. There are always ways to make everything work! Maybe we should start a change.org petition. What's ICBC's up front cost? It's just the cost of the driving monitoring device.. and maybe some back end development for the new rebates. Shouldn't be that hard, they already have the "passive immobilizer" option there... |
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