| Autopac
Fleet Program What is a Fleet What Doesn't Qualify Rebates & Surcharges Questions |
The Autopac Fleet Program
Discounts for fleet owners are handled differently than is the case with individual vehicle owners. The Autopac Fleet Program upholds our commitment to a rating structure that rewards safe driving and vehicle maintenance. We encourage you to share in our focus on safety. By doing so, you'll see the results of your safety efforts through a sliding scale of rebates and surcharges. The lower the losses we pay, the less you'll have to pay to insure your fleet.
To qualify, you must:
- Have 10 or more vehicles registered (including vehicles under dealer and repairer plates) on the first day of any customer month in your registration period
- Meet the required minimum number of insured days
Contact the Fleet Unit at (204) 985-7501, (204) 985-7510 or 1-800-406-1886 if you're not sure whether your fleet qualifies.
Are there any vehicle classifications which do not qualify for the Fleet Program?
Excluded vehicles are:
- Vehicles classified as insurance-exempt vehicles
- Taxis
- Livery vehicles
- Trailers
- Vehicles for which premiums are paid only for Personal Injury Protection Plan coverage
- Off-road vehicles
- Motorcycles
- Mopeds
- Mobility vehicles
- Vehicles under a Lay-up policy
- Vehicles under a Rental Car Insurance policy
How are rebates and surcharges calculated?
Rebates and surcharges are determined by the loss experience of your fleet. A loss experience is the ratio between all the losses we paid on your behalf and the fleet premiums you paid to us. Claims are included according to the degree of responsibility, except for comprehensive claims, which are fully included in the calculation of the loss ratio. Losses paid and fleet premiums for new and leased car protection coverage are not included in the fleet experience.
For example, if you are held 40% responsible for a claim, then only 40% of the cost of the claim (including all costs for which the fleet driver is responsible) will be charged to your fleet experience.
Currently, the maximum amount used for any one loss is $25,000. Rebates and surcharges will vary, determined by your loss ratio. The maximum rebate amount is 25% of fleet premiums and the maximum surcharge amount is 50% of fleet premiums.
| If
the loss experience of your fleet is (%) |
your
refund will be (%) |
If the
loss experience of your fleet is (%) |
your
refund will be (%) |
| 69 |
1 |
56 |
14 |
| 68 |
2 |
55 |
15 |
| 67 |
3 |
54 |
16 |
| 66 |
4 |
53 |
17 |
| 65 |
5 |
52 |
18 |
| 64 |
6 |
51 |
19 |
| 63 |
7 |
50 |
20 |
| 62 |
8 |
49 |
21 |
| 61 |
9 |
48 |
22 |
| 60 |
10 |
47 |
23 |
| 59 |
11 |
46 |
24 |
| 58 |
12 |
45 or less |
25 |
| 57 |
13 |
|
|
| If
the loss experience of your fleet is (%) |
your
surcharge will be (%) |
If
the loss experience of your fleet is (%) |
your
surcharge will be (%) |
| 70-79 |
Nil |
105 |
26 |
| 80 |
1 |
106 |
27 |
| 81 |
2 |
107 |
28 |
| 82 |
3 |
108 |
29 |
| 83 |
4 |
109 |
30 |
| 84 |
5 |
110 |
31 |
| 85 |
6 |
111 |
32 |
| 86 |
7 |
112 |
33 |
| 87 |
8 |
113 |
34 |
| 88 |
9 |
114 |
35 |
| 89 |
10 |
115 |
36 |
| 90 |
11 |
116 |
37 |
| 91 |
12 |
117 |
38 |
| 92 |
13 |
118 |
39 |
| 93 |
14 |
119 |
40 |
| 94 |
15 |
120 |
41 |
| 95 |
16 |
121 |
42 |
| 96 |
17 |
122 |
43 |
| 97 |
18 |
123 |
44 |
| 98 |
19 |
124 |
45 |
| 99 |
20 |
125 |
46 |
| 100 |
21 |
126 |
47 |
| 101 |
22 |
127 |
48 |
| 102 |
23 |
128 |
49 |
| 103 |
24 |
129
or more |
50 |
| 104 |
25 |
|
|
For example
| claims
incurred |
divided
by |
fleet
premiums |
equals
loss ratio |
equals
% rate of premium |
equals
rebate/surcharge amount |
| $5,254 |
|
$11,759 |
45% |
25%
of premium $11,759 |
or
a rebate of $2,939 |
| $5,425 |
|
$2,495 |
217%
|
50%
of premium $2,495 |
or
a surcharge of $1,247 |
How will I know my Fleet Safety Program is working?
We'll help you manage the loss experience of your fleet by providing a quarterly progress package that includes reports on fleet identification, claims incurred, and fleet loss ratio. A final fleet assessment package is sent annually with a statement of account. This will indicate your rebate or surcharge, based on the fleet results for the year.
What if I disagree with my surcharge?
You're entitled to appeal your surcharge, and can have your surcharge reviewed by the Fleet Unit. If the record is correct and you wish to appeal, you will be advised on how to appeal to the Rates Appeal Board.
