Passenger Vehicle for Hire coverage

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If you want to drive for a rideshare company, we’ve got you covered! Passenger Vehicle for Hire coverage is simple and flexible.


Key benefits include:

  • Set your schedule and pay accordingly: Drive as much as you want, anytime you want. The cost is based on the number of timebands you select. Tailor your coverage to the time you plan to drive.
  • It’s convenient to set up: Talk to your Autopac agent to purchase or change coverage. You can change your selection of timebands at anytime without transaction fees. Rideshare drivers can operate their vehicle with a regular Class 5 driver's licence and regular passenger vehicle licence plates. Vehicle for Hire insurance is easy to buy, easy to change and easy to use.
  • You have full coverage: Passenger Vehicle for Hire drivers enjoy the same coverage and benefits available from Basic Autopac and the Personal Injury Protection Plan. It includes a $750 deductible (for policies with an effective date of April 1, 2021, or later) and the option to purchase Autopac Extension products (such as lower deductibles or increased third-party liability). All individual Vehicle for Hire insurance holders are also eligible for applicable Driver Safety Rating discounts!
  • It’s fair and equitable: Our Vehicle for Hire insurance model ensures that everyone is paying their own way — there is no cross-subsidization between Vehicles for Hire and regular passenger vehicles. In addition, the rating model aligns with the compulsory and universal nature of auto insurance in Manitoba.


Select from four timebands.

Purchase one, two, three or all four timebands, depending on when you plan to offer rideshare services. Talk to your Autopac agent to determine the premium that will apply to your situation.

Weekdays (Not including rush hour)

Daytime, Monday through Friday, 10 a.m. –3 p.m.
Evening, Sunday through Thursday, 7 p.m.–11 p.m.

Rush hour

Morning, Monday through Friday, 7 a.m.–10 a.m.
Afternoon, Monday through Friday, 3 p.m.–7 p.m.


Nightly, 11 p.m.–7 a.m.


Friday 6 p.m.–Sunday 11 p.m.

To become a Passenger Vehicle for Hire operator:

  1. If you plan to operate in Winnipeg, visit the City of Winnipeg website to learn more about the rules and regulations that apply to private vehicles for hire (personal transportation providers), and to find out which ride share service providers are licensed to operate in the City of Winnipeg.
  2. If you plan to operate outside Winnipeg, learn the rules that apply in the local municipality. Driver licensing, insurance and vehicle requirements may vary under local municipal bylaws.
  3. Make contact with the rideshare service provider you are interested in driving for to find out how to become a driver, and what eligibility requirements apply.
  4. Talk to your Autopac agent about changing to Passenger Vehicle for Hire coverage and the timebands that work best for you.
  5. Once you are driving as a Passenger Vehicle for Hire operator, remember it is your responsibility to keep your vehicle correctly insured and offer rideshare services only within the timebands you select. You can change your timebands at any time by visiting any Autopac agent – the changes will take effect immediately.

Passenger Vehicle for Hire provides full coverage that fits your schedule. Talk to your Autopac agent for more details. When it comes to insuring your vehicle to provide private rideshare services in Manitoba – Manitoba Public Insurance has you covered!