Your deductible is the part of your Autopac physical damage claim you are responsible to pay. Your deductible applies to collision, vandalism, hail, theft and most other claims. Your Autopac insurance covers the amount above your deductible.
Deductibles help insurers control claim costs and keep insurance premiums affordable. If we eliminated deductibles, policyholders would pay substantially higher premiums.
If another driver insured through Autopac is at fault for damaging your vehicle in a collision, we will reimburse your deductible based on that driver’s fault. So, if the other driver was 100 per cent at fault, you get all of your deductible back. If each driver was 50 per cent at fault, you get half of your deductible back.
Each incident of loss or damage equals one claim, with a deductible for each claim. For example, two separate collisions are two separate claims, with a deductible for each. Or, if you have damage due to hail and damage due to a collision, each is its own claim.
If your vehicle is damaged by a stolen vehicle, we’ll reimburse your deductible when the following conditions are met:
Your deductible also applies on a claim for hit-and-run damage. But if we know who was responsible, we’ll try to get your deductible back for you.
The basic deductible depends on the type of vehicle you own. The basic deductible for most cars, SUVs, light trucks and motorcycles is $500.
Private passenger vehicles, vehicles for hire, vans, light trucks, motor homes
Motorcycles (only collision and upset coverage)
Trailers valued at $2,500 or less
Trailers with a declared value between $2,501 and $50,000
Mopeds (only collision and upset coverage)
Truck tractors, tankers (carrying fuel, chemicals), logging trucks, sand and gravel trucks, common carrier trucks or common carrier buses in Manitoba, buses (transit, u-drive)*
* Some of these vehicles don’t have all-perils coverage
When you buy a lower deductible, your portion of any claim is smaller and our portion is larger. Therefore, you have to pay more premium for a lower deductible.
Three optional Autopac packages are available to decrease the Basic deductible of $500 for passenger vehicles, vehicles for hire, vans, light trucks and motorhomes.
Special Risk Extension (SRE) coverage is also available for vehicle types that don't qualify for the optional Autopac coverage.
Type of Claim
Theft/attempted theft of vehicle *
Collision with animal
All others, (including fire, partial theft, hail)
* Theft/attempted theft of vehicle
Basic Autopac for a motorcycle does not include comprehensive coverage. This optional comprehensive coverage can be purchased with a $500 or $200 deductible. Either optional deductible level reduces the deductible to nil if the motorcycle is stolen. The optional $200 deductible level reduces the deductible to nil if the motorcycle is vandalized.
Collision coverage with a $500 deductible level is included in Basic Autopac. You can choose an optional reduced deductible level of $300, $200 or $100. The optional collision deductible levels are reduce to $0 for collision with an animal.
You can buy comprehensive and collision coverage together or separately.