Thursday January 23
Too weird that it's already January twenty-third (even weirder that it's actually not)…(whoa)
Ponder that while you grab your coffee…and a snack (ah crap, it's going to be a long one)
Ah, you're back. Great…sit back, sip your drink and enjoy what's on your plate there. I'm sure it's much better than it looks (just sayin)
Wendy and I are going in to see a Sechelt Insurance Broker today. We don't want to…we have to
Under BC law we have to change our Drivers License, Vehicle Permit and License Plate and we have a limited time to do it
(two separate time limits because…who doesn't want to line up again in two months')
Just in case you ever move to BC (anything is possible), we're going to walk you through the process with us. You'll at least have some idea of what to expect (spoiler…i am so thoroughly confused)
Here we go…
To understand BC Auto insurance is to try and understand the ICBC
“The Insurance Corporation of British Columbia (ICBC) is a provincial crown corporation in British Columbia created in 1973 by the NDP government of British Columbia. The original purpose of ICBC was to provide universal public auto insurance in British Columbia. Its responsibilities have expanded to include driver licensing and vehicle registration and licensing.”
(because combining government agencies can only result in increased levels of competence)
“By law, any vehicle registered and driven or parked on public streets in British Columbia must purchase ICBC's basic insurance package from an independent broker.”
(all very reasonable)
“Like other insurance companies, ICBC bases it's premiums on a client's claims history, type of automobile, and geographic location. The Corporation's discount plan (called “Roadstar” and “Roadstar Gold”) rewards safe drivers with reduced premiums based on the number of years the driver has been free of successful claims against him or her.”
(excellent…Wendle and i should be eligible for a hearty discount…sweet)
“At the time the Corporation was established, it held a monopoly on automobile insurance in the province, but in recent years private insurance firms have been permitted to offer optional additional coverage, such as extended liability, collision, and comprehensive plans. While ICBC continues to hold a monopoly on basic insurance, it has chosen to offer optional additional coverage, in competition with these firms.”
(a little healthy competition is always good…keeps prices down. what's not to like?)
“ICBC has come under public scrutiny for poor governance, poor service and an unnecessarily large number of managers. The fact that ICBC runs a monopoly on auto insurance has been cited as the main reason as to why the organization does not provide adequate service to British Columbians while charging excessive rates.”
“The Consumer Association of Canada, BC, has also released a report citing government involvement and poor management as two of the root causes behind ICBC providing poor service to British Columbian drivers. The report also states that when ICBC made the move from a not-for-profit organization to a for-profit revenue generator for the provincial government, British Columbian drivers were required to pay higher premiums for less coverage.”
For the love of all that's holy…are you kidding me…who's in charge here? (please refer to December 16 Post)
Is there no good news?
“In 2012, in a survey conducted by J.D. Power and Associates, ICBC was ranked the worst automobile insurer in Canada by their clients.”
(i got nuthin)
No really…I'm speechless
I've spoken with an Insurance Broker by phone. It was BCAA, the British Columbia version of CAA. They were great. Answered all of our questions. The one thing they kept repeating was 'you have to buy your ICBC Basic Autoplan first and to do that you have to go in personally, to an ICBC Broker'
I went onto the ICBC website to learn more and to find an ICBC Broker. You'll find the site at, http://www.icbc.com/home
I recommend thoroughly reading everything under the heading, 'Autoplan Insurance' (and check out 'Moving' in the left side menu on that page)
Basically, first step…we have to purchase the ICBC Basic Autoplan and to do that we have to go in, to an ICBC Broker
That's why we've come to the broker today. To get our ICBC Basic Autoplan Insurance
The agent…and someone who appears to be the owner…sit Wendy and I down and explain that yes, we can purchase our ICBC Basic Autoplan with them and then, they will give us our BC license plates. After that we can, if we choose, purchase additional insurance to supplement the ridiculously low (hey…they didn't say that)…no they didn't, but then again, this isn't in quotes. Anyway, we can supplement the Basic Autoplan coverage, with extras such as…Third Party Liability
“Third-Party Liability coverage protects you when you’re at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage.
Many people choose to buy Extension Third-Party Liability coverage for added protection. You can select extra coverage that protects you for claim costs up to $5 million.”
“Alright…this is great. Let's do it. Where do we sign?”
'First we'll need to see your BC Drivers License'
“But we thought we had to get our plates changed first”
'No, you'll need your BC Drivers License to do that'
“And where do we get that?”
'At any ICBC Office'
We'd rather just go home for breakfast but we're going to drive back to Gibsons to go to an ICBC Office. We'll see you there (tomorrow…please…tomorrow)
Oh, alright. We'll go now and tell you about it tomorrow. Sheesh
Moose and Wendle
Moving To BC – http://www.icbc.com/autoplan/moving-insurance
Double Face Palm – http://i.stack.imgur.com/jiFfM.jpg