34 - Friday, November 23, 1990 - North Shore News

AUTOMOTIVES
ICBC premiums
to go up in 1991

WHEN ICBC makes its
annual announcement about
changes to Autopian, most
B.C. motorists pay closest
attention to what has hap-
pened to premiums.

The amount we pay for auto
insurance is important, but so are
the factors behind those
premiums.

This week and next, we wiil
Jook at the details behind the 199)
premiums.

ICBC predicts it will need an
additiona! 4.5 per cent in total
premium dollars from B.C.
motorists to pay for claims and
improved Autoplan benefits in
1991.

The amount collected for Third
Party Legal Liability Coverage
and No-Fault Accident Benefits
will rise by four per cent while
sharp increases in windshield,
theft and vandalism ciaims will
push up Comprehensive premiums
collected 15 per cent. Underin-
sured Motorist Protection (UMP)
will rise by $3.

The amounts paid by motorists
will depend on their vehicle use
category, which one of B.C.’s i4

Ken
Hardie

INSURANCE
CORPORATION

OF BRITISH COLUMBIA

AUTOTOPIC

territories they live in and their
driving record. Premiums charged
are adjusted in line with the
claims experience in each territory
and in each of the vehicle use
categories.

Historicaily, people regularly
driving to and from work have
had a worse claims experience
than those who rate their vehicles
for pleasure use only. Thus it
costs more to insure a vehicle for
commuting purposes.

However, the worsening claims
record for the pleasure usc-only
class has served to narrow the gap
between the two uses.

Likewise, motorists in the traf-
fic-congested Lower Mainland will

continue to pay more for their
auto insurance than those
elsewhere in B.C. Rising claim
tates in other areas, particularly
Maple Ridge/Pitt Meadows and
southern Vancouver Island, will
result in higher dollar increases
but still lower premiums overall
compared to Lower Mainland
rates. .
How do premiums look for
North Shore motorists? While
your Autoplan broker is the best
source for information on your
vehicle premium, here is one ex-
ample based on a 1908 Nissan
Micra with $1 million third party
liability coverage, collision with
$300 deductible, comprehensive
with $100 deductible, Underin-
sured Motorist Protection and the

full 40 per cent Claim-Rated Scale

discount:

For pleasure use only, the 1991
premium for this vehicle will be
$715, up from $662 this year. To
and from work coverage wilt be
$808 next year, up from $784,
while business use in 1990 will
cost $854 as compared to $826
this year.

Next week, a look at the factors
behind next year’s rise in
Autoplan premiums.

To serve our valued real estate
customers better, we’ve added
a direct line for advertising in
the Homes section.

RICK ANDERSON

Reali Estate
Advertising Manager

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