So I go into autoplan to insure my new motorcycle last night, and the broker tells me I have a 15% discount. I'm like, WHAT??? Because last year I had a 35% discount, and this year it was supposed to be 40%... Well it turns out that because I was once a registered driver on my mother's car, and she didn't insure her car this year, her penalty is transfered over to me, even though I have never had an at fault accident in her car!! The broker said "well that penalty has to go somewhere, so it becomes attached to your insurance because you were once a driver on her insurance.." I got really angry and ended up just getting a day pass for my bike so that I could bring it home...
I'm lucky because I was lazy and never cancelled my insurance policy from my old motorcycle, so I'm going to be able to use that with my 35% discount for my new bike... but when I'm up for renewal I don't know what's going to happen. The guy said unless my mother insures another vehicle it's going to stay attached to me forever! The reason she didn't insure her car is because the insurance was so high on it because of her accidents, so my dad insures it for her. GRRRRRRRRRRR!!!!!!!!!!!
I didn't have my old plate with me which is why I just got a day pass for last night. Tonight I'll put my old plate on my new bike and then take it over and transfer the policy to the new bike.
It was 8:30pm last night when I went into autoplan so the guy couldn't call ICBC and see what they had to say, so he's going to call today and then call me back. This had better be some sort of mistake!!!!!!!!!!!!!!!!
Has this happened to anyone else? Is this for real? Do they have the right to transfer her penalty over to my insurance, even though I haven't even touched her car in like 6 years?