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

B.C. Ferries passengers staying away, as asked, during COVID-19 pandemic

Ferry corporation says ridership down 70-80 per cent over the last week and a half

Nanaimo RCMP ask for help locating 17-year-old girl believed to be with 36-year-old man

Mary Cyprich, missing since Thurday, might be in company of Force Forsythe

LETTER TO THE EDITOR: Nanaimo hospital staff say lives depend on stopping spread of COVID-19

President of medical staff association, chief of staff at NRGH asking for community’s best efforts

Nanaimo couple caught aboard cruise ship with four dead and COVID-19 present

Four ‘older guests’ have died on Holland America’s Zaandam, cruise line confirms two COVID-19 cases

COVID-19: Isolation exemptions to frontline workers a danger to patients, say Island Health employees

Staff exempt from self-isolation upon return from international travel according to Island Health

B.C. VIEWS: Small businesses need our help

Just as integral in neighbourhoods in Vancouver and Surrey as they are in Prince George or Kelowna

‘Tremendous’ response from blood donors has supply keeping pace with demand

About 400,000 of Canada’s 37 million residents give blood on a regular basis

Morning world update: Cases surge past 600,000; positive news in Germany

Spain suffers its deadliest day as Germany considers April 20 to possibly loosen restrictions

VIDEO: Penguins roam empty halls of Vancouver Aquarium

COVID-19 has forced the Vancouver Aquarium to close access to guests – leaving room for its residents

COVID-19: Qualicum Beach youngster gets car parade for his sixth birthday

Friends get creative after party cancelled due to ongoing pandemic

Kids get back to learning in B.C., online

Ministry of Education rolls out new tool for school

Most Read