Your deductible

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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.

When a deductible applies

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.

Stolen vehicles

If your vehicle is damaged by a stolen vehicle, we’ll reimburse your deductible when the following conditions are met:

  • We know the identity of the person who stole the vehicle.
  • The person who stole the vehicle doesn’t dispute being responsible.

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.

Deductibles by vehicle type

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

$ 500

Motorcycles (only collision and upset coverage)

$ 500

Trailers valued at $2,500 or less

$ 150

Trailers with a declared value between $2,501 and $50,000

$ 500

Mopeds (only collision and upset coverage)

$ 150

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

$ 800

Reducing Basic Deductibles

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.

Optional deductible packages

Type of Claim

Basic

Package 1

Package 2

Package 3

Collision

$500

$300

$200

$100

Theft/attempted theft of vehicle *

$500

$300

Nil

Nil

Glass replacement

$500

$300

$200

$100

Glass repair

$500

Nil

Nil

Nil

Collision with animal

$500

Nil

Nil

Nil

Vandalism **

$500

$300

Nil

Nil

All others, (including fire, partial theft, hail)

$500

$300

$200

$100

* Theft/attempted theft of vehicle

  • If you have a Basic $500 deductible or a $300 deductible package, your deductible is reduced by half if your vehicle is stolen with an anti-theft device properly in use and defeated.
  • If you have a $200 or $100 deductible package, no deductible applies in the event of a successful or attempted theft of your vehicle – provided there is clear evidence of intent to steal and a police report.
  • In the case of partial theft, you will be responsible for paying the deductible. A partial theft occurs when a permanently attached item (e.g., tires, car top carriers) or installed electronic items/stereo are stolen from a vehicle.

** Vandalism

  • Vandalism is considered an intentional, malicious act that damages your vehicle. Vandalism does not include partial theft. A police report must be filed for vandalism claims.
  • If you have the basic $500 or a $300 deductible package, your deductible still applies even if the responsible person is caught. However, MPI may try to recover it for you. Talk to an Autopac agent or call us for more information.
  • If you have a $200 and $100 deductible package, your deductible for vandalism claims is $0. This does not apply to Lay-Up Coverage, Rental Vehicle Insurance, Special Risk Extension, off-road vehicles or specialized permits (e.g. overweight permits, temporary registrations or dealer permits).

Deductible options for motorcycles

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.