The use of demographics to punish large groups of auto insurance customers is immoral, says letter writer. (News Bulletin file photo)

LETTER TO THE EDITOR: Insurance rates discriminatory

A basic human right has been taken from us to accommodate ICBC, says letter writer

To the editor,

Re: Premier John Horgan regrets big ICBC rate hikes for young people, Oct. 10.

Premier Horgan claims he will try to bring down ICBC rates. He should start with making ICBC comply with the law. We have human rights legislation in this country that prevents discrimination on the basis of age. The specific B.C. act says, “anyone aged 19 or older may not be discriminated against on the basis of age, in life, work or the delivery of service.” Clearly, that is exactly what ICBC does. How does it get away with it? Because the provincial government has added something in the small print – it is not discrimination if the government says so. In short, a basic human right has been taken from us to accommodate ICBC.

Insurance occurs when the premiums of many pay for the claims of the few. The risk all motorists share is the uncertainty of the future. Your age, the type of car you drive and where you drive it are immaterial. Nobody, including ICBC, can predict anyone’s future. The use of demographics – in other words, profiling – to punish large groups of drivers without cause is not only illegal, it is immoral.

And we do’t have to look far to find a better solution. Our health insurance does not use profiling to determine rates, nor does it punish anyone who uses the service. Nobody will face a premium increase because they have an appendectomy or a hip replacement. Seniors are not required to pay higher rates despite the fact that as a group they will rely more on those services than any other group.

ICBC cannot be ‘fixed.’ It must be replaced by a proper insurance regime that does not trample on our basic human rights.

Alan McPhee, Nanaimo

OPINION: We’ll see you when you turn 80


The views and opinions expressed in this letter to the editor are those of the writer and do not reflect the views of Black Press or the Nanaimo News Bulletin. If you have a different view, we encourage you to write to us or contribute to the discussion below.

Get local stories you won't find anywhere else right to your inbox.
Sign up here

Just Posted

Ice chunk from truck crushes vehicle windshield near Nanaimo

None injured, but Nanaimo RCMP say fines for accumulations of ice and snow

Nanaimo theft victim confronts suspects with baseball bat

Nanaimo RCMP seek identity of two people alleged to have used a stolen credit card

VIU professor concerned about myths around insect apocalypse

Jasmine Janes’s work published in peer-reviewed journal BioScience

Clerk bruised, traumatized after armed robbery at Quarterway Liquor Store

Few details on male suspect in Wednesday incident, says Nanaimo RCMP

VIU Mariners teams back on home court

Volleyball, basketball teams hosting action all weekend at Vancouver Island University gym

Kids across Canada more at risk of hospitalization from flu this season: doctor

Dr. Theresa Tam said influenza B does not usually peak until February or later

BC Ferries hybrid ships arrive in Victoria on Saturday

The battery-operated vessels will take over smaller routes

Closed mills, housing surge support a positive forecast for lumber industries

B.C. lumber producers have closed mills accounting for 18% of province’s capacity, RBC report says

Good Samaritan pays part of rent for B.C. woman facing eviction in can-collecting dispute

Zora Hlevnjak, 76, supplements her pension by collecting cans and receiving public donations

Kelowna’s ‘Baby Mary’ finds biological parents after more than 30 years

Geneologist and DNA test helped her connect with her biological parents

Beefs & Bouquets, Jan. 16

To submit a beef or a bouquet to the Nanaimo News Bulletin, e-mail editor@nanaimobulletin.com

Kelowna hotel to award couples for baby-making with Nooner deal

The deal includes a free stay every Valentine’s Day for the next 18 years

One last blast of winter tonight for parts of the Island before temperatures on the rise

A snowfall warning is in effect Friday including east Vancouver Island.

‘Scariest boat ride of my life’: Passengers trapped by ice on rocky B.C. ferry sailing

The Nimpkish docked in Bella Coola on Jan.12 coated in a thick layer of ice

Most Read