30 - Friday, November 15, 1991 - North Shore News

omprehensive coverage
does live up to its name

NATURAL CATASTROPHES ranging from smail rock

chips in windshields to a

big haii storm in Calgary,

flooding in the Nass Valley, a wind storm in the Lower
Mainland and the 1989 San Francisco earthquake have all
resulted in damage to B.C. vehicles. So, too, have many
more “unnatural’’ events such as thefts, fires and van-

dalism.

For 75% of B.C. motorists in-
cidents such as these mean they’ll
be making a comprehensive
coverage claim to ICBC.

Once they pay their deductible,
ICBC will cover damages done by
fire, lightning, theft or attempted
theft, vandalism, windstorm, hail,
explosion, floods, falling aircraft,
falling or flying objects, impacts
with animals, earthquakes and
falling through supermarket roofs.

Because none of these damages
are the owner’s fault, making the
claim does not result in loss of
discount on the Claim-Rated
Scale.

Whiie damage from earthquakes
is pretty rare, comprehensive
claims are not. ICBC received
over 292,000 of them to the end
of September and the bil! exceed-
ed $95 million.

Almost 60% of comprehensive

Ken

Hardie

CBSE Eon

OF BRITISH COLUMBIA
AUTOTOPIC

claims are for damages to auto
glass. Although most damaged
windsbields need to be replaced, a
“star”? chip can be replaced if
caught before it starts to crack.
ICBC covers these repairs and
motorists do not pay the normal
deductitle.

The number of crime-related
comprehensive claims continues to

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be a major concern. As of Sept.30
the total cost of claims for theft
of vehicles, theft fron: vehicles
and vandalism topped $65 million.
ICBC and police forces across
B.C. are currently engaged in
Lock It Or Lose [t and Combat
Auto Theft programs.

Comprehensive insurance is an
optional coverage, available from
ICBC and other insurers.

As ‘‘comprehensive’’ as this
coverage is, there are some things
that are not included, and these
are listed on pages 32 and 23 in
the 1991 ICBC Autoplan Motorist
Kit.

If you have installed expensive
sound or communications equip-
ment in your vehicle you may
need extra coverage over and
above the basic comprehensive
pelicy. Check pages 35 and 36 for
more information, then see your
Autoplan agent for more details.

¥,

NA 1 APV x CAPRICE’ € CORVETTE x:

r

THE NORTH Vancouver
chapter of the Canadian Power
and Sail Squadrons, Norvan
Squadron will hold its fall stu-
dent cruise on Sunday, Nov. 17
to take place from the Deep
Cove Government Wharf at 10
a.m.

The Norvan Squadron offers
the practical on-the-water exer-
cise to the siudents that are
currently enrolied in the
boating course. The students
have completed 11 weeks of the
14-week course which is made
up of safety requirements,
navigation aids, anchoring
techniques, compass and chart
work and how to take bearings
to fix positions.

The cruise offers the students
a chance to practice their
knowledge. A total of 15 Nor-
van members have volunteered

* ON APPROVED CREDIT — SOME QUALIFICATIONS APPLY

YOUR CHOICE OF ANY CAR OR TRUCK, KEW
AND USED 90 & 91 MODELS FEATURING:
4 Chevrolet
4 CC@.
, ¥ Oldsmobile

BY MSS S— CHRISTMAS, NEW years,

— VALENTINE’S, EASTER,

— FEBRUARY INSURANCE RENEWAL,
— INCOME TAX TIME, —

— YOUR MOTHER'S BIRTHDAY?

Norvan squadron holds
fall cruise for students

their vessels, both power and
sail, to provide a safe and fun
experience. Volunteer instruc-
tors from the Norvan training
department are organized for
each vessel.

“We have a large North
Shore boating community and,
whereas, hundreds of North
Shore residents have already
taken the boating course, there
ave many more who may
become interested in furthering
their boating knowledge when
they are informed about Cana-
dian Power and Sail Squadron
courses and events such as
this,’ said Pamela Boudreau,
public relations officer for the
Norvan Squadron. :

For more information, write
to the Norvan Squadron at
P.O. Box 86684, North Van-
couver, V7L 4L2,

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