Insurance (Vehicle) Regulation

447/83 O.C. 1897/83 December 1, 1983 January 1, 1984 Insurance (Vehicle) Act Insurance (Vehicle) Regulation [Last amended April 1, 2026 by B.C. Reg. 128/2025] 447_83_pit 4 Driver's Certificates Interpretation 42 In this Part, insured means a a resident named on a driver's certificate other than a person driving a vehicle that is exempted under section 1.01 or 1.02 of the Act, or b for the purpose of payment of insurance money, if the person referred to in paragraph (a) is deceased, the personal representative of that person. [en. B.C. Reg. 62/2021, App. 4, s. 8.] Driver's certificate incorporated in licence 43 1 For the purpose of the Act and this regulation, a a driver's certificate is deemed to be incorporated into every valid and subsisting driver's licence i when the driver's licence is issued, and ii subject to paragraph (a.1), at the beginning of the day following each subsequent anniversary date of the driver's birth, a.1 unless suspended, cancelled or revoked under the Act or this regulation, a driver's certificate is valid and of effect until the earlier of i the date on which the driver's licence expires, and ii the end of the day on the next anniversary date of the driver's birth, b the person named on a driver's licence shall be deemed to be the person named on the driver's certificate, c the signature of the chief executive officer of the corporation on a driver's licence shall be deemed to be the signature of the chief executive officer of the corporation on the driver's certificate deemed to be incorporated in the driver's licence, and d an application for the issue, renewal, replacement or reinstatement of a driver's licence shall be deemed to be an application to the corporation for the issue, renewal, replacement or reinstatement of a driver's certificate. 2 Repealed. [B.C. Reg. 257/86, s. 10.] [am. B.C. Regs. 257/86, s. 10; 312/96, s. 3; 441/98, s. 5; 11/2024.] Repealed 44 to 44.2 Repealed. [B.C. Reg. 166/2006, Sch., s. 30.] Notice of assessment 45 1 If a premium is payable for a driver's certificate, the corporation must mail to the person named in the certificate a notice of assessment of premium for the period specified in the notice. 2 Repealed. [B.C. Reg. 257/86, s. 12.] 3 The total amount set out in the notice of assessment of premium under subsection (1) is payable to the corporation by the person named on the driver's certificate in accordance with that notice. 4 Repealed. [B.C. Reg. 166/2006, Sch., s. 31 (b).] [am. B.C. Regs. 257/86, s. 12; 408/87, s. 15; 491/95, s. 9; 292/2000, Sch. A, s. 5; 166/2006, Sch., s. 31.] Repealed 45.1 and 46 Repealed. [B.C. Reg. 166/2006, Sch., s. 30.] Rounding and prorating of premiums and refunds 47 1 Any premium payable to or refundable by the corporation under this Part shall be rounded to the nearest dollar and an amount ending in 50¢ shall be raised to the next higher dollar, but no premium is payable or refundable if the rounded premium is less than $2. 2 Where the term remaining unexpired in a driver's certificate on the day it is issued is less than one year, the amount of premium payable by the applicant for the certificate is the amount established by the corporation prorated for the number of days remaining unexpired on the day the certificate is issued. [am. B.C. Reg. 166/2006, Sch., s. 32.] Application of other sections 48 Sections 7 and 15.7 apply in respect of a driver's certificate. [am. B.C. Reg. 383/89, s. 7.] Indemnity 49 1 Subject to section 49.1, the corporation must indemnify an insured who is not in default of premium payable under section 45 for liability imposed on the insured by law for injury or death of another or loss or damage to property of another that a arises out of the use or operation by the insured of a vehicle i not owned by the insured or a member of the insured's household, or ii not leased to the insured as a leased vehicle or leased to a member of the insured's household as a leased vehicle, and b occurs in Canada or the United States of America or on a vessel travelling between Canada and the United States of America unless c the insured is operating the vehicle without the consent of the person who owns, leases or rents the vehicle and does not have reasonable grounds to believe that the insured has the consent of the person who owns, leases or rents the vehicle, d the insured is operating the vehicle in connection with the business of a garage service operator, e the vehicle is owned, leased as a leased vehicle or regularly operated by the insured, f the vehicle is used for commercial use, f.1 subject to subsection (1.1), the vehicle is used for carrying passengers for compensation or hire, g the vehicle is in fact not licensed under the Motor Vehicle Act , the Commercial Transport Act or similar legislation of another jurisdiction and the insured does not have reasonable grounds to believe the vehicle is licensed, or h the insured is operating an all terrain vehicle licensed under section 24.04 of B.C. Reg. 26/58, the Motor Vehicle Act Regulations. 1.1 In respect of a TNS-only vehicle operated under a transportation network services authorization, the corporation's exemption under subsection (1) (f.1) applies only if injury or death of another, or loss or damage to property of another, arises out of the operation of the TNS-only vehicle when a the vehicle has been hailed by or for passengers through the use of the online platform to which the transportation network services authorization relates, and b the insured is operating the vehicle for the purposes of picking up, transporting or dropping off those passengers. 2 Sections 70 to 76 apply in respect of indemnity under this section. [en. B.C. Reg. 257/86, s. 13; am. B.C. Regs. 408/87, s. 16; 383/89, s. 8; 324/91, s. 13; 166/2006, Sch., s. 33, as am. by B.C. Reg. 46/2007, Sch. 1, s. 4; 341/2007, s. 5; 161/2019, s. 2; 48/2020, s. 1; 117/2021, App. 6, s. 4; 116/2024, App. 3, s. 9.] Limit of liability 49.1 1 Subject to sections 18 (4) and 77 (1) of the Act, where an insured is liable for injury or death of another or loss or damage to property of another, the liability of the corporation to the insured for payment of indemnity under section 49 in respect of all claims against the insured arising out of the same occurrence is limited to the applicable amount set out in section 1 (1.1) of Schedule 3. 2 Repealed. [B.C. Reg. 166/2006, Sch. 34 (b).] 3 In addition to the amount by which liability is limited under subsection (1), the corporation shall reimburse the insured for the payments and pay the costs referred to in section 69 that are within the limit set out in section 1 (1.1) of Schedule 3. [en. B.C. Reg. 257/86, s. 1; am. B.C. Reg. 166/2006, Sch., s. 34.] Priority of claims 49.2 For the purpose of payment of indemnity under section 49, claims arising out of injury or death have priority over claims arising from loss or damage to property to the extent of 90% of the amount by which liability is limited under section 49.1 and, subject to section 77 (1) of the Act, claims arising out of loss or damage to property have priority over claims arising out of injury or death to the extent of 10% of the amount by which liability is limited under section 49.1. [en. B.C. Reg. 257/86, s. 13; am. B.C. Reg. 166/2006, Sch., s. 35.] Other coverage 49.3 1 In addition to indemnity under section 49, a driver's certificate evidences that an insured who is not in default of premium payable under section 45 has a coverage under Part 7, and b Repealed. [B.C. Reg. 117/2021, App. 6, s. 5.] c coverage under Division 2 of Part 10. 2 Repealed. [B.C. Reg. 379/93, s. 3.] [am. B.C. Regs. 379/93, s. 3; 166/2006, Sch., s. 36; 117/2021, App. 6, s. 5.] Other insurance 50 1 If a driver's certificate and an owner's certificate or vehicle liability policy evidence third party liability insurance coverage for the same occurrence, the third party liability insurance coverage evidenced by the owner's certificate or vehicle liability policy is primary insurance. 2 Third party liability insurance coverage evidenced by a driver's certificate is available only to the extent of the amount by which the limit of liability specified in respect of the driver's certificate exceeds the total of the amounts specified in an owner's certificate or vehicle liability policy. [en. B.C. Reg. 166/2006, Sch., s. 37, as am. by B.C. Reg. 46/2007, Sch. 1, s. 5.] Repealed 51 Repealed. [B.C. Reg. 166/2006, Sch., s. 38.] Contents 447_83_00 Part 1 447_83_01 Part 2 447_83_02 Part 3 447_83_03 Part 4 447_83_04 Part 5 447_83_05 Part 6 447_83_06 Part 7 447_83_07 Part 8 447_83_08 Part 9 447_83_09 Part 10 447_83_10 Part 10.1 447_83_10a Part 11 447_83_11 Part 12 447_83_12 Part 13 447_83_13 Part 14 447_83_14 Part 15 447_83_15 Schedules 1 to 10 447_83_16