Table of Contents - Insurance (Vehicle) Regulation

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Reg. 447/83 O.C. 1897/83 Deposited December 1, 1983 effective January 1, 1984 This consolidation is current to July 7, 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Contents Part 1 — Interpretation 1 Interpretation 1.1 Universal compulsory vehicle insurance 2 Application 2.1 Repealed 2.2 Employment information Part 2 — Certificates 3 Application for certificate 4 Interim owner's certificate 5 Repealed 6 Renewal of owner's certificate 7 Interpretation Act 8 Leased vehicles 9 Mid-term changes 9.1 Mid-term changes — lessee named in owner's certificate 10 Effect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Insurance Division 1 — Interpretation 11 Interpretation Division 2 — Premiums, Interest and Prior Debt 12 to 15.1 Repealed 15.2 Interest on refunds 15.21 COVID-19 pandemic rebate 15.22 Enhanced care rebate 15.23 Relief rebate 15.24 2024 rebate 15.25 2025 rebate 15.3 Repealed 15.4 Rounding of premiums, refunds and discounts 15.41 Premiums triggered by accidents involving unlisted drivers 15.5 and 15.6 Repealed 15.7 Registrant liable for prior debt 15.71 Interest recovery on unpaid premium 15.72 Default in arrangement 15.73 Liability for unpaid amounts 15.8 Service charge 15.9 High-value vehicle charge 15.91 Repealed Division 3 16 to 19 Repealed 20 to 24 Repealed 25 Repealed 26 Repealed 27 to 29 Repealed Division 4 30 to 37.1 Repealed Division 5 38 to 41 Repealed Division 6 41.1 to 41.4 Repealed Part 4 — Driver's Certificates 42 Interpretation 43 Driver's certificate incorporated in licence 44 to 44.2 Repealed 45 Notice of assessment 45.1 and 46 Repealed 47 Rounding and prorating of premiums and refunds 48 Application of other sections 49 Indemnity 49.1 Limit of liability 49.2 Priority of claims 49.3 Other coverage 50 Other insurance 51 Repealed Part 5 — Conditions of Certificate 52 Substitute vehicles 53 Leased vehicle coverage 54 Extension of coverage on seizure 54.1 Repealed 55 Breach of conditions 56 Exclusion 56.1 Additional product certificate 57 Garage exclusion 58 Repealed 58.1 Repealed 59 Waiver of term or condition 60 Ex gratia payments 61 Extraprovincial undertakings 62 Repealed 62.1 Other insurance 62.2 Exclusion from certificate coverage Part 6 — Third Party Liability Insurance Coverage 63 Interpretation 64 Indemnity 64.1 Repealed 65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 and 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 to 112 Repealed 113 to 125 Repealed 126 Repealed 127 to 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 and 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 and 153 Repealed 154 Repealed Division 2 — TNS Blanket Certificates 154.1 Definitions for Divisions 2 to 4 154.2 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 blanket certificates would provide coverage — TNS blanket 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 154.81 Prescribed matters and persons for P2P blanket certificates in respect of trailers 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 Division 4 — MPR Blanket Certificates 154.95 Definitions for Division 4 154.951 Persons renting vehicles for motion picture production prescribed 154.96 Prescribed matters and persons for MPR blanket certificates in respect of trailers 154.961 Issuance of MPR blanket certificate 154.97 Coverage provided by MPR blanket certificate 154.971 When coverage provided by MPR blanket certificate applies 154.98 Rules if 2 or more blanket certificates provide coverage — MPR blanket certificate 154.981 MPR 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 and 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 — Lender's Liability 181 Motor 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 Copyright © King's Printer, Victoria, British Columbia, Canada