Table of Contents - Insurance (Vehicle) Regulation

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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 September 27, 2022.

Link to consolidated regulation (PDF)

Link to Point in Time

Insurance (Vehicle) Act

Insurance (Vehicle) Regulation

[Last amended September 1, 2022 by B.C. Reg. 147/2022]

Contents
Part 1 — Interpretation
	1	Interpretation
	1.1	Universal compulsory vehicle insurance
	2	Application
	2.1	Repealed
	2.2	Employment information
Part 2 — Certificates
	3	Application for certificate
	4	Interim owner's certificate
	5	Repealed
	6	Renewal of owner's certificate
	7	Interpretation Act
	8	Leased vehicles
	9	Mid-term changes
	10	Effect of owner's certificate
Part 3 — Premiums for Universal Compulsory Vehicle Insurance
	Division 1 — Interpretation
	11	Interpretation
	Division 2 — Premiums, Interest and Prior Debt
	12-15.1	Repealed
	15.2	Interest on refunds
	15.21	COVID-19 pandemic rebate
	15.22	Enhanced care rebate
	15.23	Relief rebate
	15.3	Repealed
	15.4	Rounding of premiums, refunds and discounts
	15.41	Premiums triggered by accidents involving unlisted drivers
	15.5-15.6	Repealed
	15.7	Registrant liable for prior debt
	15.71	Interest recovery on unpaid premium
	15.72	Default in arrangement
	15.73	Liability for unpaid amounts
	15.8	Service charge
	15.9	High-value vehicle charge
	15.91	Premium adjustment agreements — non-fleet taxis
	Division 3
	16-19	Repealed
	20-24	Repealed
	25	Repealed
	26	Repealed
	27-29	Repealed
	Division 4
	30-37.1	Repealed
	Division 5
	38-41	Repealed
	Division 6
	41.1-41.4	Repealed
Part 4 — Driver's Certificates
	42	Interpretation
	43	Driver's certificate incorporated in licence
	44-44.2	Repealed
	45	Notice of assessment
	45.1-46	Repealed
	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	51	Repealed
Part 5 — Conditions of Certificate
	52	Substitute vehicles
	53	Leased vehicle coverage
	54	Extension of coverage on seizure
	54.1	Repealed
	55	Breach of conditions
	56	Exclusion
	56.1	Additional product certificate
	57	Garage exclusion
	58	Repealed
	58.1	Financial assistance
	59	Waiver of term or condition
	60	Ex gratia payments
	61	Extraprovincial undertakings
	62	Repealed
	62.1	Other insurance
	62.2	Exclusion from certificate coverage
Part 6 — Third Party Liability Insurance Coverage
	63	Interpretation
	64	Indemnity
	64.1	Repealed
	65	Extension of indemnity
	66	Extension of indemnity to passenger
	67	Limit of liability
	67.1	Limit of liability — loans and advance payments
	67.2	Prescribed circumstance
	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
	78.01	Application of Part
	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
	88.01	Requirement for receipts
	89	Arbitration
	90	Power to terminate benefits for refusal to undergo treatment or training
	91	Funeral expenses
	92	Death benefits
	93-94	Repealed
	95	Sixty day rule and common disaster
	96	Restriction on benefits
	97	Notice of claim
	97.1	Repealed
	98	Medical certificates
	99	Medical examination
	100	Autopsy
	101	Time of payment
	102	Alteration of form of payment
	103	Limitation
	104	Other insurance
	104.1	Transitional — disability benefits, funeral expenses and death benefits
	104.2	Transitional — medical or rehabilitation benefits
	104.21	Transitional — receipts
	104.3	Transitional — limitation
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
	109	Repealed
	110-112	Repealed
	113-125	Repealed
	126	Repealed
	127-146.18	Repealed
Part 10 — First Party Coverage
	Division 1 — Inverse Liability and Uninsured or Hit and Run Accidents Outside British Columbia
	147	Inverse liability
	148	Repealed
	148.01	Repealed
	Division 2 — Underinsured Motorist Protection
	148.1	Underinsured motorist protection
	148.2	Restrictions on liability
	148.3	Underinsured motorist protection for garage vehicle certificate holders
	148.4	Excluded coverage
	148.5-148.6	Repealed
	148.7	Repealed
Part 10.1 — Accident Responsibility Claims
	148.8	Accident responsibility claim — limitation
Part 11 — Additional Product Certificates
	Division 1 — Additional Product Certificates Other Than Blanket Certificates
	149	Compulsory additional products
	150	Compulsory coverages provided by garage vehicle certificates
	150.1	Garage vehicle certificates are primary insurance
	151	Coverage for unnamed owner
	152-153	Repealed
	154	Repealed
	Division 2 — TNS Blanket Certificates
	154.1	Definitions for Divisions 2 and 3
	154.2	Issuance of TNS blanket certificate
	154.3	Coverage provided by TNS blanket certificate
	154.4	When coverage provided by TNS blanket certificate applies
	154.5	Rules if 2 or more TNS blanket certificates would provide coverage
	154.6	TNS blanket certificate premium adjustment
	Division 3 — P2P Blanket Certificates
	154.7	Definitions for Division 3
	154.8	Peer-to-peer service providers prescribed
	154.9	Issuance of P2P blanket certificate
	154.91	Coverage provided by P2P blanket certificate
	154.92	When coverage provided by P2P blanket certificate applies
	154.93	Rules if 2 or more P2P blanket certificates would provide coverage
	154.94	P2P blanket certificate premium adjustment
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
	163-164	Repealed
	165	Power of attorney
	166	Cancellation of insurance on bankruptcy or winding up
	167	Fleet premium adjustment
	168	Fleet reporting certificate
Part 13 — Optional Insurance Contracts
	169	Application of terms and conditions
	170	What must be printed on an extension policy
	170.1	Rounding of premiums and refunds
	171	Extended underinsured motorist protection
	172	Payment of costs and interest
	173	Rights of insurer
	174	Exceptions from liability
	175	Nuclear energy hazards
	176	Disputes about vehicle loss or damage
	177	Arbitration process
	178	Priority of claims
	179	Other priorities
Part 14 — Vehicle Actions
	180	Net income loss
Part 15 — Lessor Liability
	181	Lessors of taxis, buses and limousine use vehicles to whom 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