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

Comments are closed

Just Posted

Infringing festival finds a way to dance during pandemic

Crimson Coast Dance Society holding drive-in, micro and physically distanced events July 10-19

Nanaimo sees Island’s first nurse practitioner primary care clinic

Nexus Primary Care Clinic opened in late June in south end

Nanaimo RCMP ask for help finding missing 19-year-old

Haley Murphy has not been seen since Tuesday, June 30, say police

Learning outside the classroom suits VIU’s carpentry program just fine

Vancouver Island University has partnered with KSG Consulting Ltd. to provide hands-on learning

Nanaimo chef the Sensitive Vegan takes tongue-in-cheek approach to serious cooking

Jesse Rubboli creates cassava-based recipes and shares them via YouTube and on social media

QUIZ: A celebration of dogs

These are the dog days of summer. How much do you know about dogs?

First glimpse of Canada’s true COVID-19 infection rate expected mid-July

At least 105,000 Canadians have tested positive for COVID-19 since the coronavirus was identified

Annual music event in Comox Valley celebrates online instead

Vancouver Island MusicFest holds virtual celebration set for July 10

Police ramp up efforts to get impaired drivers off B.C. roads this summer

July is dedicated to the Summer CounterAttack Impaired Driving Campaign

Migrant workers stage multi-city action for full status amid COVID-19 risks

‘COVID-19 has exacerbated an existing crisis’

Okanagan school drops ‘Rebels’ sports team name, citing links with U.S. Civil War

Name and formerly-used images “fly in the face” of the district’s human rights policy, says board chair

PHOTOS: B.C.’s top doc picks up personalized Fluevog shoes, tours mural exhibition

Murals of Gratitude exhibit includes at least one portrait of Henry alongside paintings of health-care workers

In troubled times: Independence Day in a land of confusion

Buffeted by invisible forces and just plain worn out, the United States of America celebrates its 244th birthday

Most Read