[TheNewGirl]

No sooner does one idea for ICBC die, another arrives.

http://www.theprovince.com/technology/drive+auto+insurance+touted+again/4799825/story.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+canwest%2FF228+%28The+Provinc e+-+News%29&utm_content=Google+Reader




Pay-as-you-drive auto insurance touted...again


By Frank Luba, The Province May 17, 2011 Comments (8)



A new report commissioned by the Pacific Institute for Climate Solutions recommends pay-as-you-drive insurance be tested in a pilot project in B.C.

PAYD is also called distance-based, usage-based or per-kilometre insurance.

Instead of a flat insurance fee that is typically about $1,200 per vehicle in B.C. and allows unlimited mileage, PAYD gives drivers a rebate if they drive less than the average amount in their region but charges them more if they exceed that amount.

The idea is that vehicle owners get money back in their pockets if they drive less, which reduces pollution and congestion.

Driving less also results in fewer accidents and less claims — thus not affecting insurance company profits.

The Pacific Institute, which was created by the provincial government in 2008 for $94.5 million, is based at the University of Victoria but also includes the University of B.C., Simon Fraser University and the University of Northern B.C.

According to its mission statement, it was created “to better inform climate change policies and actions.”

As part of that work, the institute funded an investigation of pay-as-you-drive insurance in B.C. by Todd Litman of the Victoria Transport Policy Institute, which came to the recommendation to test PAYD.

The common and most controversial misconception about PAYD, according to Litman, is that it would place a greater financial burden on rural residents compared to their city cousins.

“Even though rural residents do drive their vehicles somewhat more than urban residents, only a rural resident that drove more than the average rural resident would pay more,” said Litman. “At least half of rural residents would have the opportunity to save money with this.”

Dr. Tom Pedersen, executive director of the Pacific Institute, thinks PAYD could be “one of many” tools to combat climate change.

“Frankly, we need to pull out all the stops here to get our carbon emissions down,” he said. “When I look at the scientific data, and I’ve been in the field for over 30 years, it’s very sobering.

“We have a big freight train coming down the tracks at us right now and we have to do our darndest to slow that train down,” said Pederson, who was formerly the Dean of Science at UVic.

He said the report was forwarded to the provincial government, specifically the Climate Action Secretariat.

Nobody from government responded to the request for an interview Tuesday. ICBC was unavailable for comment before press time.

fluba@theprovince.com

twitter.com/frankluba

Read more: http://www.theprovince.com/technology/drive+auto+insurance+touted+again/4799825/story.html#ixzz1Mi2t9kze

[Berzerker]

Fuck You ICBC.

Berz out.

[dark0821]

agree with Berz....
thats like a low blow to us, who would drive just for the hell of driving.. no shit we would put on more miles/km on the odo than the avg driver

:fuuuuu:

[hk20000]

ICBC is totally suggesting a shut-in lifestyle now aren't they?

On the plus side maybe you can insure your summer car all year round and pay exactly that - summer insurance.

[TheNewGirl]

Well on one hand it is fairer then some of the other systems proposed. If I spend 5 minutes in my car a day I am WAY less likely to be a problem then someone who spends 3 - 5 hours in their car.

On the other hand this screws over half the drivers on the road.

[mpr]

this actually is beneficial for people who has multiple vehicles and ppl who live very close to where they work and play (eg downtown)

[trollguy]

must be talking about yourself ;)

[RE-Jo]

doesn't matter how much they drive, bad drivers will be bad drivers.

[melloman]

Agreed. This doesn't help anyone.
ICBC and the gov't should go to hell.

[gdoh]

what about the people who commute to vancouver every day =|

why instead of trying to forcefully take people off the road they should be working on improving the flow of traffic so people spend less time idling

doesnt it make sense to get people off the road quicker which should reduce the polution and make people a lot happier because they dont have to sit in traffic

[Wetordry]

they are just asking for more people to commit odometer fraud

[fsy82]

i dont mind this idea. i only put 11,000km per year on my car. i use it just for work and back and use our accord for the weekends.

[TheNewGirl]

what about the people who commute to vancouver every day =|

why instead of trying to forcefully take people off the road they should be working on improving the flow of traffic so people spend less time idling

doesnt it make sense to get people off the road quicker which should reduce the polution and make people a lot happier because they dont have to sit in traffic

Or improving Transit.

Lets get real here. While I know we all love our cars, the current culture around them is not sustainable. Enviromentaly or economically.

In the ideal world, we commute via transit to work and use our cars on the evenings and weekends.

[TRDood]

It makes sense. A vehicle that is exposed to the road 100,000km a year have higher risk than 100km a year. Not saying that insurance should be 100% based on that factor, but it's reasonable.

I don't see how this can be implemented anytime soon though.

[gdoh]

Or improving Transit.

Lets get real here. While I know we all love our cars, the current culture around them is not sustainable. Enviromentaly or economically.

In the ideal world, we commute via transit to work and use our cars on the evenings and weekends.

transit is such a pain in the ass i would have to be on the skytrain at 5am to get to work and worry about some asshole breaking into my car all day and if i had to go somewhere after work i would have to come go back and get my car and cross the bridge again =| not every1 likes to transit and deal with all the rude people.. what happens when you are running late you miss the bus and have to wait an extra 30+ mins. im sorry but i would rather use my car.

i dont see why we cant have better roads for better flow. instead they put these huge fuckin bike lanes in and take out a lane then complain about theres to much pollution because people are sitting traffic to long

[Teh Doucher]

although this doesn't affect me personally because i only drive about 10km a day, back and forth to work, it does affect thousands of people who need to commute. my cousin for instance drives almost 50k a year, this will fuck him royally.

fuck im so sick and tired of getting fucked by all these big businesses, enough is enough.

[TheNewGirl]

although this doesn't affect me personally because i only drive about 10km a day, back and forth to work, it does affect thousands of people who need to commute. my cousin for instance drives almost 50k a year, this will fuck him royally.

fuck im so sick and tired of getting fucked by all these big businesses, enough is enough.

But you're probably sick of the current system.

So what alternative WOULD satisfy you?

[gdoh]

you know why cant they just leave shit how it is instead of bring new in new ways to see how far they can ram up your ass.

[Nanaki]

I know in a perfect world we'll all bus and trees will grow out of everything but lets be real here.

There are far too many people with longer distances to travel. They have no option to cut down the distance. I know many people who moved further from vancouver because they can't afford housing and have to commute to fit their budget.

The population is always increasing and eventually we will need bigger roads, bridges, tunnels or what have you.

water flows where there is least resistance.

Make traffic flow easier! Car companies are making lower and lower emmission vehicles. We're trying to keep things green right? Face the facts, eventually years and years from now petrol will be obsolete in vehicles. km's will have little effect on a renewable resource (solar / electric).

Bad drivers effect premiums, but why make them better when more accidents = more money right? :speechless:

[FerrariEnzo]

haha WHO the fuck comes up with ideas should get fired...

[TheNewGirl]

you know why cant they just leave shit how it is instead of bring new in new ways to see how far they can ram up your ass.

Because people are bitching about the current system too.

[gdoh]

there is always going to be some1 bitching about something because they can they would rather have it work for them personally and just fuck every1 else, instead of thinking about society, its always about the one self centered persons who fuck shit up and it starts all the way from the top

[Nlkko]

So they finally figured out their bike lanes weren't that great.

British Columbia, where tree hugging happens.

[77civic1200]

they are just asking for more people to commit odometer fraud

Works for me! one 10mm bolt and i'm never putting mileage on my car ever again

[NNT]

This would benefit those drives exotic, like the one only puts 5000 km on their Lambo or Ferrari per year

[dangonay]

How do they know what percentage of those KM's were highway on the weekend or city during rush hour commutes? Distance means nothing if you don't know where the car drives.
Posted via RS Mobile (http://www.revscene.net/forums/announcement.php?a=228)

[TheNewGirl]

This would benefit those drives exotic, like the one only puts 5000 km on their Lambo or Ferrari per year

These are also people who take care of their cars and while their vehicles have high value they're very unlikely to be the ones who make the roads less safe.

So yeah. That's kinda appropriate.

[bloodmack]

If they wanted to improve anything they should start at the beginning when we first get our L licenses, tests should not be multple choice and they should add more subjects like traffic flow how it works and how to avoid being the traffic jam.

[TheNewGirl]

As soon as you make a test not multiple choice though it becomes subjective and that makes grading difficult. How would you work around that?

I agree that traffic flow and rules about staying to the right and how to properly manuver in traffic should totally be on the test though.

[Phil@rise]

As a guy who drives very little I think thats a great idea. My commute is only 5km's each way yet I pay as much as a guy with 100km commute.
Secondly this idea also promotes the use of transit. If you are not payin through the nose for insurance cus your insured for just basic weekend style driving your less likely to feel hosed for payin for transit on top of that for your downtown work commute.

[unit]

it solves some problems but creates others.

i think someone who drives 50k a year is less likely to be at fault in an accident based on driving experience.

and this is coming from a guy who lives less than 1km from work.

[Glove]

1) disconnect audometer
2) drive all you want
3) pay nothing

??????

profit

[dark0821]

lol....

1) buy a old car that the odo is not digital (like my corolla 1996)
2) 10mm ranch
3) .......
4) negative miles?!?!?
5) REFUND? xD
6) :troll:

[tool001]

maybe they should stop showing those stupid ads (fat lady) and they wont need to jackup rates

[Mancini]

A new report commissioned by the Pacific Institute for Climate Solutions recommends pay-as-you-drive insurance...

Fuck You ICBC.

Berz out.

agree with Berz....

ICBC is totally suggesting a shut-in lifestyle now aren't they?

ICBC and the gov't should go to hell.

What does this have to do with ICBC?

[optiblue]

Vancouver is becoming unsustainable!
Posted via RS Mobile (http://www.revscene.net/forums/announcement.php?a=228)

[YK86]

As a guy who drives very little I think thats a great idea. My commute is only 5km's each way yet I pay as much as a guy with 100km commute.


Wouldn't this qualify you to just get pleasure use insurance since the commute is less than 15kms? The guy commuting 100kms would need to have insurance that costs more than the standard pleasure use assuming they are declaring it like they should. At least that's how understood it. My commute is also very short so I have always been getting pleasure use.

I think the way things are is fine right now. I really have a problem with the other idea where they ding you even after 1 moving violation. I understand the principle but I find being penalized for 3 years after just one ticket is a bit much. I've had a very clean record (no tickets, no at fault claims) for 17years I've had my license. I have no issues if I were to get fined, but to have rates go up for 3 years after so many years of a clean record seems a bit unfair.

[TheNewGirl]

^ Agree

Now I can see a system where if you get multiple infractions in one year (like lets say 3 speeding tickets) the next year you are dinged. But if you're clean that year all goes back to normal.

[gretzky]

Fuck You ICBC.

Berz out.


need to quote a great meaningful post

[noventa]

how does congestion and pollution have anything to do with how much we pay for insurance/

[flagella]

If they wanted to improve anything they should start at the beginning when we first get our L licenses, tests should not be multple choice and they should add more subjects like traffic flow how it works and how to avoid being the traffic jam.

Making changes in a test will not be helpful in any way. Afterall it's just a test which you just read and pass. What we do with our driving after we pass the test is entirely another story.

[bloodmack]

Making changes in a test will not be helpful in any way. Afterall it's just a test which you just read and pass. What we do with our driving after we pass the test is entirely another story.

knowing is half the battle.

@TheNewGirl, yeah I guess your right on the multiple choice, didn't think of subjective answers at the time :P

[falcon]

Fuck You ICBC.

Berz out.

FAIL.


Since I can't fail anymore.


Do you realize that this "report" has NOTHING to do with ICBC?

[Hawflakes03]

There is an insurance company down in the US called Progressive that has a system called "Snapshot". Here's a link for more info:

http://www.progressive.com/auto/snapshot-discount.aspx

The idea behind it, if I understand correctly, is for people to consent to having their driving habits being measured. By seeing how you drive (i.e. braking style) and what times you drive, Progressive may offer you a discount on your insurance rates. The unit apparently attaches to your OBD port to obtain these measurements. It sounds like an interesting idea and its an opt in I believe. Of course, there are concerns about what other information may be collected.

Will the idea work here in BC? ICBC doesn't exactly move very fast with regards to offering new ways to "measure" someone's insurance risk. Also, because its part of the Solicitor's General's portfolio of responsibilities, whatever significant changes occurs will probably incur a lot of government red tape. However, it would be cool and progressive if ICBC offered the possibility of their customers opting into such a program.

[Hehe]

Rather than all this BS, why not make our public transportation better?

Our skytrain sucks big time because we can't get to station easily. In the US, the idea of public transportation is that they have a huge parking lot (usually free) next to their stations in the suburbs. So, people could simply drive to the lot and take train.

[Mancini]

This would benefit those drives exotic, like the one only puts 5000 km on their Lambo or Ferrari per year

Very high end vehicles already get individually underwritten.

[68style]

How the fuck is this douche's rationale for this "slowing down the carbon emissions freight train"............. as soon as everyone in India and China jumps on the car bandwagon, which they have been in DROVES the past few years, the planet is fucked anyway... why are we paying to cut down when our density is less than every developed country in the world and FAR less than some that are just starting to turn that page?

[TheNewGirl]

Rather than all this BS, why not make our public transportation better?

Our skytrain sucks big time because we can't get to station easily. In the US, the idea of public transportation is that they have a huge parking lot (usually free) next to their stations in the suburbs. So, people could simply drive to the lot and take train.


I think you're only thinking of the major cities in east coast US.

In general transit in the US is non existent to terrible depending on city and state. Or peicemailed together. Like Southern California. LA used to have a fantastic tram system that was deliberately dismantled by the car companies to get people in cars. Not it's got 1. horrible traffic and 2. a terrible and unreliable transit system. While San Diego kept their system in tact and improved upon it. It's user friendly, efficient and helps keep traffic off the road.

[Nightwalker]

I like this idea if it could be accurately measured. I used to drive all over just cruising and could put on a thousand km in a weekend. Now I only drive once per week. Why should I pay the same insurance either way?

If I'm barely ever driving, I'd like to barely ever pay insurance.

Risk of an accident is obviously far less when you're on the road for less time.

[Hehe]

I think you're only thinking of the major cities in east coast US.

In general transit in the US is non existent to terrible depending on city and state. Or peicemailed together. Like Southern California. LA used to have a fantastic tram system that was deliberately dismantled by the car companies to get people in cars. Not it's got 1. horrible traffic and 2. a terrible and unreliable transit system. While San Diego kept their system in tact and improved upon it. It's user friendly, efficient and helps keep traffic off the road.

I think the problem with LA is that it has expanded too far. Old suburbs became city centers (making big parking lots too expensive) and the transportation system not able to catch up.

Not sure about other places, but from what I see in Seattle (they rely on bus, but have many park and ride parks near where the Outlet is), Portland (again, park and ride parks. Not to mention free downtown transportation) and San Fran (In most major BART stations outside of San Fran, you have big ass parking lots, I used to live about a mile from the Fremont station with my oldest cousin and he always parks his car and ride the BART when he needed to be downtown.

[TRDood]

lol....

1) buy a old car that the odo is not digital (like my corolla 1996)
2) 10mm ranch
3) .......
4) negative miles?!?!?
5) REFUND? xD
6) :troll:

More legal ways, just buy bigger diameter tires. :fullofwin: