a iitoplan p reniiumsare Jangely based on three
ae factors! vehicle den and the frequency and

/ 5 severi ty of ac accidents. In 1983, the Safe Driving .

= ° Meine Disco unt will be replaced by a
Tl... Claim-Rated Scale that is more rewarding to

those who are claim -free and provides higher

_ penalties forthose who cause accidents frequently. ©
- _.. Thescaledoesnot apply to fleet rated re renewals,

‘The step-by-step difference .

-«° Formerly, those responsible for accidents—-
Whether oneaccidentor many-simply lost their

- Safe Driving Vehicle Discount. Under the

~ Claim-Rated Scale, the more claims a vehicle:

Owner is responsible for, the: higher hisor |, °
her premium will be. . 4

As with the Safe Driving Vehicle Discount

4g ion) affect your rating. Comprehensive
thet includitig windshi id, van alism and —
eft,donot ~~ -

~ BAD NEWS FOR THOSE WHO CAUSE ACCI- ©
: DENTS FREQUENTLY. THE MORE OFTEN
“THEY CLAIM, THE HIGHER THEY CLIMB!

*. Under the Claim: Rated Scale, every claim
for which lich you are responsible will cost youa —
move-three steps up the premiunt scale. For
example, if you have three claims i in one yeas,

, only “at fault? claims (Third Party and,

te a et

“you will move up nine steps and pay a very high 7

premium. There is no upper limit to the

_ amount of the premiums those who frequently

‘cause accidents will pay.

GOOD NEWS FOR THOSE WHO ARE
CLAIM-FREE. A NEW 4TH LEVELOF ——-
-DISCOUNT WILL BE APPLIED. -

For every year of claim-free driving, you
inove one step down the rating scale toward the

‘lowest step. ‘At this level | your premium will
be 65% of the base rate*

Good drivers who have only an n occasional

accident will pay less under the Claim-Rated

Scale than under the former discount system.

' “Most drivers who have earned a 3-year Safe
Driving Vehicle Discount. and have one accident
after lev y 1, 1982, will move up the scale.to the ..

- 90% evel, rather than the 100% level, as before.

‘Timing of the program

Effective January 1, 1983, your renewal.will.
be rated according to fhé Claim-Rated Scale.
’ Your 1982 Safe Driving Vehicle Discount and-
any claims paid following your 1982 renewal
determine where you stand on the step-
“now scale in 1983: However, where those.
new c aims were paid before July A 1982;

ood}
{

the existing ‘Safe Driving Vehicle Discount

Claim-Ratéd Scale will be good news. 85% of
‘owners have earned the 3-year Safe Driving

- Licence Office. =.

“INSURANCE -
]EBRFORATION

1 OF BRITISH C COLUMBIA _

rules apply.

How will you: rate?

For the majority of vehicle owners, the. -

Vehicle Discount and, if they maintain their
claim-free records, will enter the scale at the . =

~~ lowest premium level. 7

Newly licenced vehicle owners will enter at

_ the base rate.-For every year of claim-free driving,
_ they will earn a move one step down the: scale.”

‘To encourage motorists who are high on

the scale to im Tove their records; three: -
_consecutive claim-free years will be recognized _
. Yeith a return to the base premium. * Dee

~ Fromnow on, careless

driving will cost more,
‘Muchmore!' 7 a

For more information, contact your’ 7
independent Autoplan agent or nearest Motor

vty

*The base rate is the | premium | before né-clain discounts,
"The average gross premium for private passenge
_Wehicles in n British Columbia, os

ighe

i

—_