Wednesday, December 3, 1980 THE REVIEW 8 USS fr O} preciation of the audience. Looking ahead, class. the stage band plans a trip to Edmonton in the spring. A new idea for. encouraging proper eating habits has been promoted by one of Stelly’s cooking teachers, Mrs. June Frache, and her Page 17 Royal * Oak recreation | By SHAUNNE O’ BRIEN Stelly’s bands put on their first evening concert Nov. 21.. In addition a bake sale was held, and both these events went well. The success of the concert and bake sale was due ’ not only to the players and their-conductor -. Ms. Hawkes-frost - but also to Mr. Roessingh — an intern teacher — the hard work of the two band presidents Sandra Martindale and Sherry Erskine, and of course, the ap-— available to students at no cost. Supplies are largely donated, and the various concoctions prepared by the cooking class. The results has been an overwhelming The idea has also gained the Support of success. Let’s hope the nutrition break is here student council. to stay. The class hosts a ‘‘nutrition break” during On Friday’ Nov. 21, regular class break Fridays where a variety of healthy foods such as fruits, vegetables and Stelly’s the University of Victoria jazz choir performed at Stelly’s. This outstanding group put on a dazzling display plan The Royal Oak school-Mann Avenue area of Saanich has been recommended as the best location for the development’. of a “northern community’’ recreation facility, according to a municipal area plan released last week. The plan — called the Royal. Oak Local Area Plan’ — was drawn up by the Saanich planning department. It ruled out Layritz’ Park for the “major. recreation complex, although this site, has been recom- mended - by) an ° in- dependent _— consultant ‘preparing a master Jeereation, plan for the Capital Regional District. Deputy planner Allan Hopper said the recreation . complex would: include’ playing Tields and other recreational facilities built-on-an eight: to 12- “hectare (20 to 30: acres) | tract.» of ~ by “f planners, but. was ‘ruled — property out because direct transit. ~ Service does not service ~ the area, and is away from —-the population , _ area, The » facilities would . serve. Cordova Bay. and Carey area residents as — ‘. well_as residents in parts of North’ Quadra: and West Saanich Road. » All-existing municipal - recreation facilities are located’ in’ the southern: part of the municipality. Motorists | hit again -"Peninsuk: operating. - ‘thelr autamabiles this week - when. provincial, cabinet. “oapprdved a-7b per cent. ierease. ins the automobile ‘Inspection » stallion rates. oon. AS of last--Monday “rates for testing vehicles went from $1,75 to $3 per vehicle, That rate ‘applies 9... for’. all vutomobiles . and commercial . vehicles “unger 1,400 kilograms, The. -rate’ for heavier commercial. vehicles has heen set at $50 "— up from $1.75, - a Peninsula "residents are-also- faced. with the _ task of driving. their _ vehicles into Victoria for, inspection, -~ B.C. has only five testing stations three: ine the Vane souver area, one in § ‘Victoria, and another: In. Nanaimo, Vehicles in those areas. — without Inspection approval ‘are’ stibject to” licketing by police, _ residents : Were hit with yet another: ~ increase in the cost of 1980 saw the implementation of. Phase lof the ~ Fundamental Auto Insurance Rating program. The whole idea behind EA.L.R. is ultimately to remove _ any. form of discrimination in automobile in- surance rates for reasons of age, sex, marital status or _ where a person lives in the province. It seeks to” ~ ~ link Autoplan rates solely to an individual's driving ® record, habits and attitudes. And that’s fair.’ Phase Il of the five-year EA.LR. program will ake | 2 effect on January 1, 1981. Here are the highlights: ane REMOVAL OF AGE AS A RATING FACTOR - : ‘This step completes the removal of age, sex and. oF rnarital: status as factors in determining how much) you. pay for your Autoplan i insurance. From now: on, -no individual or group will be penalized ¢ or. favoured. : solely on the basis of age. : an INTRODUCTION OF A D DRIVER ACCIDENT. | “In order'to place financi drivers of suich vehicles who are responsible for: an accident whicli results in property damage-or bodily ‘injury to others will pay an additional Drevhiura of . $390 fore each accident: . This premium may be paid in one hump sum or in three equal instalments—the first payable at the “time liability is determined, and the second and third: on the next two anniversaries of the accident. If the total claim is $100 or less, this river - ‘Accident Premium will-not be charg ged. Ifthe liability: ~-ds divided, each driver whose share of the claim is” more than $100 will be charged the full Driver Accident Premium. If the claim is less than $390, the driver whois at fault may choose to make a single payment equal to the amount of the claim, rather than:pay the Driver Accident Premium, | — This premium is charged to the vie er ol the: vehicle, whether or not-he or she is the owner Failure to pay a Driver Accident Premium after notice from the Corporation will result in denial of Own Damage coverage for a subsequent claim, There are two exceptions: to this new Driver Accident Premium:. — {a} Tt does not apply to drivers of echieles rated: for commercial or business use, Since the costal insurance is a business expense, its unfair that an cm: ployee: driver should pay the Driver:Accident 2 Premium when responsible for: anaceidentavhile driving an. employer 6 vehicle, anea higher : insurance costs for ~aywners of sueh: . vehicles hee: TUSE © * will: still: have to ‘eam back’ the full: 3 _ free driving. ie SAN accident occuring after December. 3). 1980, ees al responsibility squarely ar swhiere | it belongs—on the individual behind the: tae a wheel- a Driver:Accident Premium will be int? édiiced - -onJanuary 1/1981. It will apply to drivers of vehicles «rated for pleasure or drive-to-work use. It means that’ 4, | REVISIONS 1 TO THE PENALTY POINTS. - for people who cause accidents; 1981 will sce a ~ revision of the Penalty Points Premiui pr ogr amas ae «However, accidents will still “victims of ace reciente where t the'lr Insurance business and commercial vehicles will continue to be rated under the existing Safe Dri ‘iving 5 Vehicle Discount system in 1981. “(b] The Driver Accident Premium will also not -apply to drivers of motorcycles or trailers. This is because the cost of the accident premium could “exceed the total cost of Autoplan insurance for these low-premium vehicles. However, motorcycles and: trailers will still be rated according to the $ Safe Driving Vehicle Discount system in 1981. 3. CONTINUATION OF THE SAFE DRIVING - VEHICLE DISCOUNT. ~ The Safe Driving x Vehicle Discount system will continue to be applied throughout 1981. For instance, if your vehicle. was involved in an . accident at-any time in the three years prior to December 31, 1980, you will lose; or already: have lost, | part of-your. Safe Driving Vehicle Discount. Despite any: changes in the FA-LR“ program, you 3-year discount: with the required: one, two or three years of accident. on which : a Third, Party: claim i is paid, will result i in. PREMIUM PROGRAM - In addition. to. the new, Driver Accident Premium ‘deterrent to: irresponsible drivers who acquire © penalty points for traffic violations. | The minimum. number of: points.a driver can ~ acquire without financial penalty i is now.5 instead. | ~of 6. The maximuni number is now 25 instead of 20. - The dollaramount of the additional Penalty. . Paints Premium is calculated by squaring the number: of points, equating that figure t toe dollars and: adding 30s, 5. ADJUSTMENT OF TERRITORIAL RATES Further changes will: be made in the RA.LR. pros. gram towards eliminating differences in territorial rates. In-J981, these differences will be adjusted toa _ maximum spread of 20% between territories, Several insurance options will beavi ailable toy Te in 981 when you renew your Autoplan insurance, ~ DMe: ANE t take timeto check thend outhefore you renew. They are partoh CBC's continuing program : to provide * render range ab coverage to meet your: Spe cifie needs,” / LUNI DERINSURED MOTORIST PROTECTION. This option provides extended: protection to the cearrivd Is ne aL sul fi ic jen dips, fresh homemade bread, etc., are.made — 4, AUTOPLAN RATES FOR 1981 : ee ‘Unavoidably, Autoplan rates willi increas in 11981. = Why? Quite simply because the number of:acci- . ~ dents is going up; the severity of personal i injuries i is. aspects ol Autoplan. © Autoplan Agent: and from.Motor » “Licence Offices. for asmall, but appreciative, audience, to pay claims for bodily injury and death. It provides - for the victim’s own Third Party Liability coverage to be applied to bring g the total payment to. the higher amount of coverage. > For example, ina situation where a driver at fault carries $100,000 Third Party Liability coverage but. the victim carries $500,000, the higher amount can n be applied to the claim.. 2. INCOME REPLACEMENT If you consider that the standard No-Fault benef its would be inadequate to. cover your lost earnings” in the event of an injury resulting from.an accident, ~ you may wish to consider this endorsement. It pro- | vides limited additional. lost: income: ‘Protection and death benefits.. 2738 Loss OF VEHICLE USE . You.can pur chase this endorsement fi in con: ' _ junction x with an Own Damage policy. It provides increasing, the cost of settling claims—both col- -lision and personal i injury-is skyrocketing.” “We can‘t-control these factors. The costs. we can ms control, like the administration. of Autoplan,are 0 among the lowest for any-cor poration: in the auto in- surance industry in North America: 16 cents of the premium dollar versusan industry, average of 30 cents, ee “Inflation plays alarge part inthe rising ‘costof scttling insurance claims, but so does the inerez ge: _ _ ing complexity and sophistication of today’s automobiles. Dual headlights, unitized bodies, light. - weight materials, catalytic converters. ..these are just. some of the advances in safety, environmental | protection, fuel economy and styling that make » : every accident that much more costly, Settlements for -_ injurie sare also increasing each year. So, here: are the rate increases scheduled far 1981: An.average i increase of 31% for compulsory © Third Party L iahility coverage An average increase of 48% for extended | Third Party Liability and dl Collision’, pene atan ap coverages. Further detilson all may be found inthe | DRL “Motorist [it availible: *from-your local. ’ munereeenevvereeesnannstiaal ober we ar connate eaeraieitiis.: saiyraone runs aN Cus sa veciremy ca tayra tes uy sa Wea i {he ea