B.C. Reg. 447/83
O.C. 1897/83
Deposited December 1, 1983

Insurance (Vehicle) Act

Insurance (Vehicle) Regulation

Note: Check the Cumulative Regulation Bulletin 2014
for any non-consolidated amendments to this regulation that may be in effect.

[includes amendments up to B.C. Reg. 385/2012, March 18, 2013]

Point in Time

Contents
Part 1 — Interpretation
 1 Interpretation
 1.1 Universal compulsory vehicle insurance
 2 Application
 2.1 Repealed
Part 2 — Owner's Certificate
 3 Application for owner's certificate
 4 Interim owner's certificate
 5 Term of certificate
 6 Renewal of 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 12-15.1 Repealed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
 15.3 Repealed
 15.4 Rounding of premiums, refunds and discounts
 15.5-15.6 Repealed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
 Division 3 — Applications for Certificates
 16 Interpretation
 17 Application
 18 Declaration of entitlement
 19 Premium for certificate
 20-24 Repealed
 25 Forfeiture
 26 Repealed
 27-29 Repealed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 30-37.1 Repealed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 38-41 Repealed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 41.1-41.4 Repealed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 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 44-44.2 Repealed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 45.1-46 Repealed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 51 Repealed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 54.1 Repealed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 Special coverage 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 58 Repealed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 62 Repealed
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 64.1 Repealed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
 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
 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
 89 Arbitration
 90 Power to terminate benefits for refusal to undergo treatment or training
 91 Funeral expenses
 92 Death benefits
 93 Supplemental, additional and survivor's death benefits
 94 Rules for payment of death benefits
 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
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 Uninsured or hit and run accident in Nunavut, the Yukon, Northwest Territories or United States of America
 Division 2 — Underinsured Motorist Protection
 148.1 Underinsured motorist protection
 148.2 Restrictions on liability
 148.3 Underinsured motorist protection for other certificate holders
 148.4 Excluded vehicles
 148.5-148.6 Repealed
 148.7 Repealed
Part 11 — Special Coverage Certificates
 149 Compulsory special coverages
 150 Compulsory special coverages for garage certificate
 150.1 Garage certificates are primary insurance
 151 Coverage for unnamed owner
 152-153 Repealed
 154 Expiry date of special coverage certificate
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 policy
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 When section 82.1 (1) of the Act does not apply
Schedules 1 and 2
Schedule 3
Schedule 3.1
Schedule 4
 
Schedule 5 and 6
Schedule 7
Schedules 8 and 9
Schedule 10