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
1Interpretation
1.1Universal compulsory vehicle insurance
2Application
2.1Repealed
Part 2 — Owner's Certificate
3Application for owner's certificate
4Interim owner's certificate
5Term of certificate
6Renewal of certificate
7 Interpretation Act
8Leased vehicles
9Mid-term changes
10Effect of owner's certificate
Part 3 — Premiums for Universal Compulsory Vehicle Insurance
 Division 1 — Interpretation
11Interpretation
 Division 2 — Premiums, Interest and Prior Debt
12-15.1Repealed
15.2Interest on refunds
15.3Repealed
15.4Rounding of premiums, refunds and discounts
15.5-15.6Repealed
15.7Registrant liable for prior debt
15.71Interest recovery on unpaid premium
15.72Default in arrangement
15.73Liability for unpaid amounts
15.8Service charge
 Division 3 — Applications for Certificates
16Interpretation
17Application
18Declaration of entitlement
19Premium for certificate
20-24Repealed
25Forfeiture
26Repealed
27-29Repealed
 Division 4
30-37.1Repealed
 Division 5
38-41Repealed
 Division 6
41.1-41.4Repealed
Part 4 — Driver's Certificates
42Interpretation
43Certificate incorporated in licence
44-44.2Repealed
45Notice of assessment
45.1-46Repealed
47Rounding and prorating of premiums and refunds
48Application of other sections
49Indemnity
49.1Limit of liability
49.2Priority of claims
49.3Other coverage
50Other insurance
51Repealed
Part 5 — Conditions of Certificate
52Substitute vehicles
53Leased vehicle coverage
54Extension of coverage on seizure
54.1Repealed
55Breach of conditions
56Exclusion
56.1Special coverage certificate
57Garage exclusion
58Repealed
58.1Financial assistance
59Waiver of term or condition
60Ex gratia payments
61Extraprovincial undertakings
62Repealed
Part 6 — Third Party Liability Insurance Coverage
63Interpretation
64Indemnity
64.1Repealed
65Extension of indemnity
66Extension of indemnity to passenger
67Limit of liability
68Priority of claims
69Additional payments
70Combination of vehicles
71Trailers
72Restrictions on indemnity — attached equipment
72.1Restrictions on indemnity
73Duties of insured
74Duties of corporation
74.1Rights of corporation
75Appointment of attorney
76Limitation
77Other insurance
Part 7 — Accident Benefits
78Interpretation
79Coverage and benefits
80Disability benefits for employed persons
81Deduction of other benefits
81.1Employment during total disability
82Payments under Workers Compensation Act
83Unemployment benefits
84Disability benefits for homemakers
85Waiting period
86Disability beyond 104 weeks
87Review of benefits
88Medical or rehabilitation benefits
89Arbitration
90Power to terminate benefits for refusal to undergo treatment or training
91Funeral expenses
92Death benefits
93Supplemental, additional and survivor's death benefits
94Rules for payment of death benefits
95Sixty day rule and common disaster
96Restriction on benefits
97Notice of claim
97.1Repealed
98Medical certificates
99Medical examination
100Autopsy
101Time of payment
102Alteration of form of payment
103Limitation
104Other insurance
Part 8 — Third Party Rights Occasioned by Uninsured

or Unidentified Motorists
105Limit of liability
106Exclusion of other insured loss
107Conditions of liability
108Forms
Part 9
109Repealed
110-112Repealed
113-125Repealed
126Repealed
127-146.18Repealed
Part 10 — First Party Coverage
 Division 1 — Inverse Liability and Uninsured or

Hit and Run Accidents Outside British Columbia
147Inverse liability
148Uninsured or hit and run accident in Nunavut, the Yukon,

Northwest Territories or United States of America
 Division 2 — Underinsured Motorist Protection
148.1Underinsured motorist protection
148.2Restrictions on liability
148.3Underinsured motorist protection for other certificate holders
148.4Excluded vehicles
148.5-148.6Repealed
148.7Repealed
Part 11 — Special Coverage Certificates
149Compulsory special coverages
150Compulsory special coverages for garage certificate
150.1Garage certificates are primary insurance
151Coverage for unnamed owner
152-153Repealed
154Expiry date of special coverage certificate
Part 12 — Fleetplan
155Interpretation
156Fleetplan application
157Designation of fleet operator and fleet identity number
158Disclosure of fleet identity number
159Continuation
160Cancellation
161Responsibility of fleet operator
162Designated expiry month
163-164Repealed
165Power of attorney
166Cancellation of insurance on bankruptcy or winding up
167Fleet premium adjustment
168Fleet reporting policy
Part 13 — Optional Insurance Contracts
169Application of terms and conditions
170What must be printed on an extension policy
170.1Rounding of premiums and refunds
171Extended underinsured motorist protection
172Payment of costs and interest
173Rights of insurer
174Exceptions from liability
175Nuclear energy hazards
176Disputes about vehicle loss or damage
177Arbitration process
178Priority of claims
179Other priorities
Part 14 — Vehicle Actions
180Net income loss
Part 15 — Lessor Liability
181When 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