Paying for your insurance

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COVID-19 Update: Transactions now available by phone

Manitobans affected by COVID-19 are now able to conduct many transactions, including payments, by phone with Autopac agents. Find a full list here here.

Ways to pay

There are many payment options available. You can pay your whole amount due up front or pay in smaller instalments throughout the year.

  • Pay online with VISA, VISA Debit cards, MasterCard or Debit MasterCard cards. American Express and prepaid credit cards cannot be used. For more information on eligibility for online payments, see our help section.
  • Pay online or by telephone through your financial institution.
  • Pay in person, with cash, cheque, debit, VISA or MasterCard wherever Autopac is sold.
  • Pay by mail, with cheque or money order. When using this payment method, please write your customer number or driver’s licence number on the cheque or money order. If you have more than one policy, please also write the policy number to which you’re directing the payment on your cheque or money order. Please ensure you mail the payment early enough for us to receive it on time.

Payment options

There are three ways to pay:

Full payment. Paying your full amount due at an Autopac agent is your most economical option. There are no interest or service charges and you can pay by cash, cheque, debit, VISA or MasterCard. Make your full payment in person at your Autopac agent or Service Centre, online through mpi.mb.ca (see more information about online payments), or through your financial institution.

Four-payment plan. Customers with annual or multi-year policies have the option of making four payments. You can pay:

  • in person at an Autopac agent or MPI Service Centre by cash, cheque, money order, debit or credit card
  • online at mpi.mb.ca by credit
  • through your financial institution
  • by leaving post-dated cheques for each four-payment instalment with your broker

12 pre-authorized payments. You can spread out the cost of your premium over 12 automatic monthly payments through your bank account. Pre-authorized payments must be set up in person at an Autopac Agent or MPI Service Centre. You’ll need to bring one of these three things with you: a void cheque; a statement or passbook for your account, or a photocopy of either.

After the first month, you’ll have one monthly withdrawal. In the first month:

  • If your withdrawal date and your anniversary date differ, we’ll withdraw two payments from your account in the first month.
  • If your withdrawal date and anniversary date are the same, we’ll withdraw just one payment in the first month.
  • You’ll get a payment schedule of your withdrawal dates and amounts. It’s your responsibility to ensure your account has enough money to cover each withdrawal. Also, if your banking or credit card information changes, please report this to an Autopac agent immediately to avoid dishonoured payments.
  • You can also change your withdrawal date during your policy term. But, if you change your date, you may have two withdrawals within the first month after the change. Withdrawal dates cannot be more than 30 days apart. Ask an Autopac agent for details before you make this change.
  • Please remember, if you cancel a policy on the same day as one of your withdrawals, the full withdrawal will still occur. Cancelling your policy at least one day before your withdrawal date ensures any future withdrawals are either cancelled or adjusted. And remember, you may still owe money on the financing agreement after cancelling your policy.

Please note: If you are using 12 pre-authorized payments, your payment is set up to be automatically withdrawn and you are not eligible to make an online credit card payment for that item.

Earlybird renewals are a convenient way to not miss a payment if you are travelling outside the province for extended periods and may be away when it’s time to renew. An Autopac agent can help you make special arrangements to be sure that your Autopac coverage continues while you’re away.

Making an online payment

Paying online at mpi.mb.ca is a quick and convenient option to make a payment anytime with your VISA or MasterCard.

You can also pay online or by telephone through your financial institution – simply contact them to set up this service for you. Please use your customer number (found on your statement of account) as your account number. If you can’t locate your customer number, an Autopac agent can help you.

You can use the online payment option if you are making a full payment in a reassessment year .

If you’re on the four-payment plan, you can also make an online payment for any of your four instalments in a reassessment year, or for your 2nd, 3rd and 4th payments in a renewal year, providing they are due within the next 45 days.

Motorcycles and ORVs

If you have your policy application processed prior to the riding season but choose to defer paying your premium until the first day of the riding season, you are eligible to make your payment electronically.

Who is not eligible?

The initial payment on new policy applications, renewals or policy re-activations must still be made in person at an Autopac agent. Mid-term changes or vehicle transfers do not qualify for online payments.

If you have received a renewal notice, you must visit an Autopac agent or Service Centre to review your coverage and renew your Autopac before it lapses.

Online payments are not available for customers on the 12-payment plan.

If you have a reassessment payment restriction on your account, you are not eligible to make an e-payment for your first payment instalment. For more information about your payment restriction, see the letter attached to your annual statement of account.

Don’t miss your due date

Make your online payment two to three days in advance of your due date to ensure it is processed in time. This will prevent the risk of late fees being applied, which may occur if the payment is processed after the due date. (Manitoba Public Insurance will reverse the $20 late fee if you bring a copy of your receipt that includes a reference number and time of remittance, or proof of payment from your financial institution (with a time stamp indicating payment was made before midnight on the due date) to an Autopac agent.)

Interest, penalties and other costs

  • Interest charges and an administrative fee are built into your pre-authorized monthly payments. The interest depends on current rates and the total amount being financed, which is your insurance premium plus your vehicle registration fee. The total interest and the $4 annual administration fee (per policy, per year) are divided evenly over all your payments.
  • NSF charges. We will charge you a $20 penalty for each cheque we can’t cash. This includes NSF cheques, unsigned cheques and incorrectly dated cheques.
  • Late payments. A penalty of $20 (on each insured vehicle) will apply for every late payment under the four-payment plan, and for each defaulted instalment under the 12-payment plan. Payments due on a Sunday or a statutory holiday can be paid on the next business day without penalty.

Missed payments

Missing a payment may lead to your registration and insurance being suspended. Serious consequences can result from driving a vehicle with suspended registration and insurance. You're responsible for paying all of your instalments on time. We take action right away if we don't receive a payment from you on time, if one of your monthly payments defaults or if we can't cash your cheque. We'll send you a notice warning you that we'll suspend your insurance coverage and/or your driver's licence if we don't receive your payment. Even if you haven't received a notice from us, Section 92 of The Drivers and Vehicle Act gives us the right to suspend your insurance and/or driver's licence when you haven't paid on time.

If we suspend your insurance and/or driver's licence because you’ve missed a payment, you can’t pay by instalments until your next anniversary day. If you’re suspended for a second missed payment within three years, you can’t pay by instalments until one year after your next anniversary day.

When to pay

Each year, we’ll notify you by mail, telling you when your payments are due. If you’ve moved, remember to change your address at an Autopac agent immediately to help ensure you receive your payment reminders. If you don't receive your statement, it's still up to you to keep track of your due dates and to pay on time.

Four payments

If you’re on the four-payment plan, your payments are due in a 2-5-8 pattern, as follows:

First payment:

on your anniversary day

Second payment:

2 months after your anniversary day

Third payment:

5 months after your anniversary day

Fourth and final payment for the year:

8 months after your anniversary day

Your anniversary day is the day four months after your birthday.

12 payments

If you're on the 12-payment plan, you pick the automatic withdrawal date when you set up the agreement. We'll then take the payment by direct withdrawal on the same day each month – in equal instalments.

If you mail your payment, please note that you're responsible if it arrives late or doesn't arrive at all. Make sure you send the cheque a few weeks ahead of time to avoid late fees, as we must receive the cheque on or before the date it's due.

Motorcycle, snowmobile and ORV coverage

You can pay for your motorcycle, snowmobile and off-road vehicle (ORV) coverage in full with cash, cheque, debit, VISA or MasterCard when you apply. You have the option of deferring the insurance portion of your payment until the start of the riding season, and you can also finance your premiums by paying monthly during the season of use.

Riding seasons are:

Snowmobiles: Dec. 1 to Mar. 31
Motorcycles and ORVs: May 1 to Sept. 30
ATVs: Jan. 1 to Dec. 31

If you choose to defer paying your premium until the start of the riding season, you can pay in person at an Autopac agent, with VISA or MasterCard at mpi.mb.ca, or through your financial institution.

Please remember: a delay of a few business days may occur from the time you make an online or telephone payment to when we receive it. You’ll need to make your payment early enough to ensure we get it on time.