All new B.C. drivers start out on the Claim-Rated Scale at a base rate (0). From there you will move up or down the scale for every claim you cause or for every claim-free year. If you are at fault for a claim, you will move up the scale and pay more for your Autoplan coverage. If you do not have any claims, you will move down the scale and receive a discount on your premium. Drivers move down the scale for each year they avoid claims and up the scale for each at-fault claim. Drivers above base rate on the scale pay a surcharge while drivers below base rate receive a discount.

The following chart will give you an idea of how much difference you insurance will cost if you have a claim.