Basic deductibles

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Deductibles are standard across the insurance industry. They help control the cost of insurance for customers because they help control overall claim costs for insurers.

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 by vehicle type

The Basic deductible for most cars, SUVs, light trucks and motorcycles is $750, for policies that take effect after April 1, 2021. Options are available to lower this Basic deductible level.

Basic deductibles vary by vehicle type:

Private passenger vehicles, vehicles for hire, vans, light trucks, motor homes

$ 750

Motorcycles (only collision and upset coverage)

$ 750

Trailers with a declared valued of $2,500 or less

$ 225

Trailers with a declared value of $2,501 or more

$ 750

Mopeds (only collision and upset coverage)

$ 225

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

$ 1,200

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.