If you’re the registered owner of a vehicle in British Columbia, being aware of how ICBC’s Unlisted Driver Accident Premium (UDAP) works could save you thousands of dollars—and a lot of stress. The UDAP is a premium you may be issued if someone who isn’t listed on your insurance policy causes a crash in your vehicle.
What Is the Unlisted Driver Accident Premium?
ICBC introduced the UDAP in September 2019, and it is a significant premium that may be issued to a vehicle owner when an unlisted driver is at fault in a collision in their vehicle. It is a tool to encourage policyholders to list drivers on their policies so premiums can be calculated accurately.
When policyholders list drivers, the driver’s crash history and driving record will have a direct impact on the vehicle’s insurance premium. It is important for the policy to accurately reflect who will actually be driving the vehicle to avoid receiving a UDAP.
Who Needs to Be Listed?
ICBC requires you to list all household members, employees, anyone who has previously been in an at fault crash in your vehicle, and other individuals who drive your car regularly. Even if someone only uses your vehicle occasionally, listing them avoids the risk of triggering the UDAP.
There are some exceptions. For example, when an unlisted driver uses your vehicle due to a medical emergency, it may not result in a premium.
How to Protect Yourself
- Communicate: Let your Autoplan broker know if there are changes to your household or who drives your vehicle.
- Review your policy: Situations change—what was true six months ago may not be true today.
- Ask your broker: talk to your Autoplan broker if you are unsure if someone should be listed on your policy.
Final Thoughts
ICBC’s UDAP can lead to sharp financial consequences if you are not paying close attention to the drivers listed on your policy. For vehicle owners, a simple mistake can come with real financial consequences if you don’t stay on top of who is using your car. Taking the time to keep your policy up to date could save you thousands of dollars—and ensure that you’re covered when it matters most.
If you think you have been incorrectly issued a UDAP, give us a call and we would be happy to talk to you.