B.C. Reg. 447/83
O.C. 1897/83

Deposited December 1, 1983
This archived regulation consolidation is current to April 1, 2005 and includes changes enacted and in force by that date. For the most current information, click here.

Insurance (Motor Vehicle) Act

REVISED REGULATION (1984)
UNDER THE INSURANCE (MOTOR VEHICLE) ACT

[includes amendments up to B.C. Reg. 227/2004]

Contents

Part 1— Interpretation

  1 Interpretation
  2 Application
  2.1 Net income loss
Part 2 — Owner's Certificate
  3 Application for owner's certificate
  4 Interim owner's certificate
  5 Term of certificate
  6 Renewal of certificate
  7 Interpretation Act
  8 Leased vehicles
  9 Mid-term changes
  10 Effect of owner's certificate
Part 3 — Premiums
  Division 1 — Interpretation
  11 Interpretation
  Division 2 — General
  12 Premiums and classification of vehicles
  13 Review of chargeable claim payment
  14 Premium for vehicle licensed under section 9 of the Motor Vehicle Act
  15 Premiums or refunds for changes
  15.1 Refunds on cancellation or surrender
  15.2 Interest on refunds
  15.3 Per diem and short rate calculations
  15.4 Rounding of premiums, refunds and discounts
  15.5 Prorating
  15.6 Minimum premium
  15.7 Registrant liable for prior debt
  15.71 Interest recovery on unpaid premium
  15.72 Default in arrangement
  15.73 Owner or lessee liable for premium
  15.8 Service charge
  Division 3 — New and Renewal Certificates
  16 Interpretation
  17 Application
  18 Declaration of entitlement
  19 Premium for certificate
  20 Record of chargeable claim payment
  21 Date of chargeable claim payment
  22 Position on claim-rated scale
  23 Discounts and surcharges
  24 Driver's licence requirements
  25 Forfeiture
  26 Verification of declaration of entitlement
  27 Position of applicant to whom section 26 applies
  28 Vehicle previously in fleet or under garage automobile policy
  29 Omission of chargeable claim payment
  Division 4
  30 -37.1 Repealed
  Division 5 — Disability Discount
  38 Application
  39 Eligibility for disability discount
  40 Amount of discount
  41 Combined programs
  Division 6
  41.1-41.4 Repealed
Part 4 — Driver's Certificates
  42 Interpretation
  43 Certificate incorporated in licence
  44 Premium for driver's certificate
  44.1 Point penalty premium
  44.2 Multiple crash premium
  45 Notice of assessment
  45.1 Review of chargeable claim payment
  46 Refunds
  47 Rounding and prorating of premiums and refunds
  48 Application of other sections
  49 Indemnity
  49.1 Limit of liability
  49.2 Priority of claims
  49.3 Other coverage
  50 Other insurance
  51 Driver's policy
Part 5 — General
  52 Substitute vehicles
  53 Lessee's coverage
  54 Extension of coverage on seizure
  54.1 Family exclusion clauses
  55 Breach of conditions
  56 Exclusion
  56.1 Special policies and coverages
  57 Garage exclusion
  58 Cancellation of insurance
  58.1 Financial assistance
  59 Waiver of term or condition
  60 Ex gratia payments
  61 Extraprovincial undertakings
  62 Repealed
Part 6 — Third Party Legal Liability
  63 Interpretation
  64 Indemnity
  64.1 Repealed
  65 Extension of indemnity
  66 Extension of indemnity to passenger
  67 Limit of liability
  68 Priority of claims
  69 Additional payments
  70 Combination of vehicles
  71 Trailers
  72 Restrictions on indemnity — attached equipment
  72.1 Restrictions on indemnity
  73 Duties of insured
  74 Duties of corporation
  74.1 Rights of corporation
  75 Appointment of attorney
  76 Limitation
  77 Other insurance
Part 7 — Accident Benefits
  78 Interpretation
  79 Coverage and benefits
  80 Disability benefits for employed persons
  81 Deduction of other benefits
  81.1 Employment during total disability
  82 Payments under Workers Compensation Act
  83 Unemployment benefits
  84 Disability benefits for homemakers
  85 Waiting period
  86 Disability beyond 104 weeks
  87 Review of benefits
  88 Medical or rehabilitation benefits
  89 Arbitration
  90 Power to terminate benefits for refusal to undergo treatment or training
  91 Funeral expenses
  92 Death benefits
  93 Supplemental, additional and survivor's death benefits
  94 Rules for payment of death benefits
  95 Sixty day rule and common disaster
  96 Restriction on benefits
  97 Notice of claim
  97.1 Income replacement endorsement
  98 Medical certificates
  99 Medical examination
  100 Autopsy
  101 Time of payment
  102 Alteration of form of payment
  103 Limitation
  104 Other insurance
Part 8 — Third Party Rights Occasioned by Uninsured or Unidentified Motorists
  105 Limit of liability
  106 Exclusion of other insured loss
  107 Conditions of liability
  108 Forms
Part 9 — Extension Insurance
  Division 1 — Third Party Legal Liability Extension Insurance
  109 Third party legal liability extension insurance
  110-112  Repealed
  Division 2 — Own Damage Coverage
  113 Interpretation
  114 Application
  115 Own damage coverage
  116 Indemnity
  117 Limit of liability
  118 Additional coverage
  119 Declaration of value
  120 Motor homes
  120.01 Motor home contents
  120.1 Custom vehicles
  121 Leased vehicles
  122 Coverage for equipment
  123 Excess special equipment endorsement
  123.1 Motorcycle safety helmets
  124 Loss of use due to theft
  125 Loss of use coverage
  126 Repealed
  127 Temporary substitute motor vehicle
  128 Right of recovery
  129 Cancellation of insurance during term of lien
  130 Payment to lienholder or repairer
  131 Liability to lienholder
  132 Restrictions on indemnity
  133 Repealed
  134 Duty to give notice
  135 Claims
  136 Condition
  137 Statutory declaration and examination
  138 Right of lienholder to submit statutory declaration
  139 Duty to protect vehicle, etc.
  140 Temporary repairs
  141 Repairs or replacement at cost
  142 Disputes about vehicle loss or damage
  142.1 Evaluation process
  142.2 Arbitration process
  143 Salvage
  144 Time of payment
  145 Limitation
  146 Other insurance
  Division 3 — RoadStar Package
  146.1 Interpretation
  146.2 RoadStar package
  146.3 Territorial limit
  146.4 Loss of use coverage
  146.5 Rental vehicle coverage
  146.6 Vehicle travel protection coverage
  146.7 Locks, keys and remote keyless entry transmitters
  Division 4 — Roadside Plus Package
  146.8 Interpretation
  146.9 Roadside Plus Package
  146.10 Territorial limit
  146.11 Loss of use coverage
  146.12 Rental vehicle coverage
  146.13 Vehicle travel protection coverage
  146.14 Emergency roadside expense repayment
  146.15 Locks, keys and remote keyless entry transmitters
  146.16 Family worldwide transportation
  146.17 Destination assistance
  146.18 Theft deductible waiver
Part 10 — First Party Coverage
  Division 1 — Inverse Liability and Uninsured or Hit and Run  Accidents Outside British Columbia
  147 Inverse liability
  148 Uninsured or hit and run accident in Nunavut, the Yukon,  Northwest Territories or
United States of America
  Division 2 — Underinsured Motorist Protection
  148.1 Underinsured motorist protection
  148.2 Restrictions on liability
  148.3 Underinsured motorist protection for other certificate holders
  148.4 Excluded vehicles
  148.5 and 148.6 Repealed
  148.7 Excess underinsured motorist endorsement
Part 11 — Special Policies And Coverages
  149 Compulsory special coverages
  150 Other compulsory special coverages
  151 Coverage for unnamed owner
  152 Extension insurance
  153 Optional special coverages
  154 Expiry date of special coverage
Part 12 — Fleetplan
  155 Interpretation
  156 Fleetplan application
  157 Designation of fleet operator and fleet identity number
  158 Disclosure of fleet identity number
  159 Continuation
  160 Cancellation
  161 Responsibility of fleet operator
  162 Designated expiry month
  163 Fleetplan discounts and surcharges
  164 Default in payment
  165 Power of attorney
  166 Cancellation of insurance on bankruptcy or winding up
  167 Fleet premium adjustment
  168 Fleet reporting policy
Schedule 1
  Table 1 — Basic Premiums
  Table 2 — Vehicle Rate Classes
  Vehicle Use Tables
  Table 3 — Territories of the Province
  Table 3.1 — Rating Territories
  Table 4 — Discounts and Surcharges Applicable to Levels
  Tables 4A to 4C — Repealed
  Table 4.1 — Short Term Certificates
  Table 4.2 — Short Term Certificates — Special Coverages
  Table 4.3 — Minimum Deductible for Collision Coverage
  Table 5 — Per Diem Calculation
  Table 6 — Repealed
  Table 7 — Minimum Premium
  Table 8 — Interest Rate and Service Charge
  Table 9 — Disability Discount
  Table 10 — Compulsory Special Coverage Premiums
  Table 11 — Repealed
Schedule 2
Table 1 —Point Penalty Premium
  Table 2 — Refund of Driver Penalty Point Premium
Schedule 3
Limits of Coverage
Schedule 3.1
Own Damage Coverage for Equipment
Schedule 4
Prescribed Forms
Schedule 5
Compulsory Special Coverage Forms
Schedule 6
Optional Special Coverage Forms
Schedule 7
Expiry Dates of Special Coverages
Schedule 8
Fleetplan Discounts and Surcharges
Schedule 9
Table 1 — Levels for Transitioned Vehicles
Table 2 — Levels Applicable to Transitioned Vehiclesafter Chargeable Claim Payment
Appendix 1
  Vehicle Registration Licence and Insurance Manual (not included)

Copyright (c) 2005: Queen's Printer, Victoria, British Columbia, Canada