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      12-08-2009, 05:21 PM   #23
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      12-08-2009, 09:50 PM   #24
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Originally Posted by JohnnyCanuck View Post
Absolutely not. You are required to declare the principal operator of the vehicle on each ICBC renewal. Under the Insurance (Vehicle) Act, a willful misrepresentation of a material fact on the insurance application is a breach of your policy. Which means that ICBC will pay all claims made against you, will satisfy any lienholder on the vehicle, and will go after you to recover the money they spent. They have a large, and very sophisticated collections department. Remember, they do large chunks of the government's debt collection too.

PO breaches are surprisingly easy to prove and you're taking a huge risk when you do it.

Second, you misunderstand the way ICBC calculates claims history. Claim resides with the plate/policy which means it follows the policyholder. Only when it cannot find a policy to attach will it go looking for the actual driver. As much as you think that sounds odd, remember that ICBC insures the vehicle and the policy is attached to the car. Therefore, it follows the car as long as it can.
o ic good to know.
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