Which factor does NOT affect the premium charged for Autoplan?

The age of the applicant is not a direct factor that affects the premium charged for Autoplan in British Columbia. Instead, the premiums are primarily influenced by factors that relate more closely to the vehicle itself and its use, such as the rate class or use of the vehicle, the territory where it is operated, and details about the make, model, and year of the vehicle.

The rate class considers how the vehicle is used, which can influence risk assessment and premium rates. The territory of operation is crucial as different areas may have varying accident rates and risk profiles, impacting overall cost. Similarly, the specific make, model, and year of the vehicle determine its safety features, repair costs, and likelihood of theft, all of which can significantly affect insurance premiums.

While age can play a role in other types of insurance policies or different underwriting criteria, in the context of Autoplan, it does not have the same level of impact as the other factors listed.