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B.C. Reg. 447/83
O.C. 1897/83		Deposited December 1, 1983
effective January 1, 1984
This consolidation is current to May 5, 2026.
Link to consolidated regulation (PDF)
Link to Point in Time

Insurance (Vehicle) Act

Insurance (Vehicle) Regulation

[Last amended April 1, 2026 by B.C. Reg. 128/2025]

Contents
Part 1 — Interpretation
1Interpretation
1.1Universal compulsory vehicle insurance
2Application
2.1Repealed
2.2Employment information
Part 2 — Certificates
3Application for certificate
4Interim owner's certificate
5Repealed
6Renewal of owner's certificate
7Interpretation Act
8Leased vehicles
9Mid-term changes
9.1Mid-term changes — lessee named in owner's certificate
10Effect of owner's certificate
Part 3 — Premiums for Universal Compulsory Vehicle Insurance
Division 1 — Interpretation
11Interpretation
Division 2 — Premiums, Interest and Prior Debt
12 to 15.1Repealed
15.2Interest on refunds
15.21COVID-19 pandemic rebate
15.22Enhanced care rebate
15.23Relief rebate
15.242024 rebate
15.252025 rebate
15.3Repealed
15.4Rounding of premiums, refunds and discounts
15.41Premiums triggered by accidents involving unlisted drivers
15.5 and 15.6Repealed
15.7Registrant liable for prior debt
15.71Interest recovery on unpaid premium
15.72Default in arrangement
15.73Liability for unpaid amounts
15.8Service charge
15.9High-value vehicle charge
15.91Repealed
Division 3
16 to 19Repealed
20 to 24Repealed
25Repealed
26Repealed
27 to 29Repealed
Division 4
30 to 37.1Repealed
Division 5
38 to 41Repealed
Division 6
41.1 to 41.4Repealed
Part 4 — Driver's Certificates
42Interpretation
43Driver's certificate incorporated in licence
44 to 44.2Repealed
45Notice of assessment
45.1 and 46Repealed
47Rounding and prorating of premiums and refunds
48Application of other sections
49Indemnity
49.1Limit of liability
49.2Priority of claims
49.3Other coverage
50Other insurance
51Repealed
Part 5 — Conditions of Certificate
52Substitute vehicles
53Leased vehicle coverage
54Extension of coverage on seizure
54.1Repealed
55Breach of conditions
56Exclusion
56.1Additional product certificate
57Garage exclusion
58Repealed
58.1Repealed
59Waiver of term or condition
60Ex gratia payments
61Extraprovincial undertakings
62Repealed
62.1Other insurance
62.2Exclusion from certificate coverage
Part 6 — Third Party Liability Insurance Coverage
63Interpretation
64Indemnity
64.1Repealed
65Extension of indemnity
66Extension of indemnity to passenger
67Limit of liability
67.1Limit of liability — loans and advance payments
67.2Prescribed circumstance
68Priority of claims
69Additional payments
70Combination of vehicles
71Trailers
72Restrictions on indemnity — attached equipment
72.1Restrictions on indemnity
73Duties of insured
74Duties of corporation
74.1Rights of corporation
75Appointment of attorney
76Limitation
77Other insurance
Part 7 — Accident Benefits
78Interpretation
78.01Application of Part
79Coverage and benefits
80Disability benefits for employed persons
81Deduction of other benefits
81.1Employment during total disability
82Payments under Workers Compensation Act
83Unemployment benefits
84Disability benefits for homemakers
85Waiting period
86Disability beyond 104 weeks
87Review of benefits
88Medical or rehabilitation benefits
88.01Requirement for receipts
89Arbitration
90Power to terminate benefits for refusal to undergo treatment or training
91Funeral expenses
92Death benefits
93 and 94Repealed
95Sixty day rule and common disaster
96Restriction on benefits
97Notice of claim
97.1Repealed
98Medical certificates
99Medical examination
100Autopsy
101Time of payment
102Alteration of form of payment
103Limitation
104Other insurance
104.1Transitional — disability benefits, funeral expenses and death benefits
104.2Transitional — medical or rehabilitation benefits
104.21Transitional — receipts
104.3Transitional — limitation
Part 8 — Third Party Rights Occasioned by Uninsured or Unidentified Motorists
105Limit of liability
106Exclusion of other insured loss
107Conditions of liability
108Forms
Part 9
109Repealed
110 to 112Repealed
113 to 125Repealed
126Repealed
127 to 146.18Repealed
Part 10 — First Party Coverage
Division 1 — Inverse Liability and Uninsured or
Hit and Run Accidents Outside British Columbia
147Inverse liability
148Repealed
148.01Repealed
Division 2 — Underinsured Motorist Protection
148.1Underinsured motorist protection
148.2Restrictions on liability
148.3Underinsured motorist protection for garage vehicle certificate holders
148.4Excluded coverage
148.5 and 148.6Repealed
148.7Repealed
Part 10.1 — Accident Responsibility Claims
148.8Accident responsibility claim — limitation
Part 11 — Additional Product Certificates
Division 1 — Additional Product Certificates
Other Than Blanket Certificates
149Compulsory additional products
150Compulsory coverages provided by garage vehicle certificates
150.1Garage vehicle certificates are primary insurance
151Coverage for unnamed owner
152 and 153Repealed
154Repealed
Division 2 — TNS Blanket Certificates
154.1Definitions for Divisions 2 to 4
154.2Issuance of TNS blanket certificate
154.3Coverage provided by TNS blanket certificate
154.4When coverage provided by TNS blanket certificate applies
154.5Rules if 2 or more blanket certificates would provide coverage — TNS blanket coverage
154.6TNS blanket certificate premium adjustment
Division 3 — P2P Blanket Certificates
154.7Definitions for Division 3
154.8Peer-to-peer service providers prescribed
154.81Prescribed matters and persons for P2P blanket certificates in respect of trailers
154.9Issuance of P2P blanket certificate
154.91Coverage provided by P2P blanket certificate
154.92When coverage provided by P2P blanket certificate applies
154.93Rules if 2 or more P2P blanket certificates would provide coverage
154.94P2P blanket certificate premium adjustment
Division 4 — MPR Blanket Certificates
154.95Definitions for Division 4
154.951Persons renting vehicles for motion picture production prescribed
154.96Prescribed matters and persons for MPR blanket certificates in respect of trailers
154.961Issuance of MPR blanket certificate
154.97Coverage provided by MPR blanket certificate
154.971When coverage provided by MPR blanket certificate applies
154.98Rules if 2 or more blanket certificates provide coverage — MPR blanket certificate
154.981MPR blanket certificate premium adjustment
Part 12 — Fleetplan
155Interpretation
156Fleetplan application
157Designation of fleet operator and fleet identity number
158Disclosure of fleet identity number
159Continuation
160Cancellation
161Responsibility of fleet operator
162Designated expiry month
163 and 164Repealed
165Power of attorney
166Cancellation of insurance on bankruptcy or winding up
167Fleet premium adjustment
168Fleet reporting certificate
Part 13 — Optional Insurance Contracts
169Application of terms and conditions
170What must be printed on an extension policy
170.1Rounding of premiums and refunds
171Extended underinsured motorist protection
172Payment of costs and interest
173Rights of insurer
174Exceptions from liability
175Nuclear energy hazards
176Disputes about vehicle loss or damage
177Arbitration process
178Priority of claims
179Other priorities
Part 14 — Vehicle Actions
180Net income loss
Part 15 — Lender's Liability
181Motor vehicles and lenders to which liability limit in section 82.1 of Act does not apply
Schedules 1 and 2
Schedule 3
Schedule 3.1
Schedule 4
Schedule 4.1
Schedules 5 and 6
Schedule 7
Schedules 8 and 9
Schedule 10

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