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Don’t be fooled – even with fluctuating temperatures, winter conditions have arrived across the province and Manitoba Public Insurance (MPI)’s Winter Tire Program is here to help make sure your vehicle is ready to navigate slick and slippery roads.

The Corporation’s long-standing program returns for its ninth year to provide low-interest financing at prime plus two per cent on up to $2,000 per vehicle to eligible individuals towards the purchase of winter tires as well as associated products and services.

Since its launch in 2014, the program has provided over 230,000 loans to customers throughout the province.

“MPI is proud to continue to offer this popular program, which aims to reduce overall claims and keep Manitobans as safe as possible in the months when road conditions are often the most treacherous,” said Satvir Jatana, MPI’s Chief Customer Officer.

To take part in the Winter Tire Program, Manitobans can visit any participating winter tire retailer across the province to confirm eligibility and begin the loan authorization process. The program offers financing terms between one and four years, and customers can choose their monthly payment withdrawal day. Full details of the program can be found at mpi.mb.ca/wintertires.

Winter tires increase traction, reduce stopping distance

Winter tires have a cold weather rubber compound and tread patterns designed to perform on wet, snow covered and icy surfaces. Research shows that using winter tires increases traction, making it easier to get out of the snow and can cut stopping distance by 25 per cent or more.

Winter driving tips

In addition to preparing your vehicle for winter conditions, drivers should also adjust their behaviours behind the wheel this season, including:

• Planning ahead. Before you head out on the highway, check for road and weather conditions by calling 511. Don’t rush and give yourself extra time to get to your destination safely.
• Slowing down and using caution. Slowing down will help maintain traction and decrease your total stopping distance. This is especially important when travelling on overpasses and bridges as surfaces on these structures can freeze quickly.
• Clearing snow and ice. At this time of year, keeping windshields clear is essential so make sure windshield washer fluid is topped up and windows are clear of snow and ice. Also remember to clear snow and ice that may have collected on the hood, trunk, or roof of your vehicle.
• Leaving more space. Don’t tailgate and remember that following distance should be increased when travelling at higher speeds or in poor visibility. Traction is reduced when roads are slippery, so it takes more time to come to a complete stop.
• Navigating cautiously. Take your time around snowbanks, advancing cautiously and leaning forward to improve your view. Be sure to keep watch for pedestrians, snow clearing equipment, and other vehicles.

MPI’s Community Relations team offers free 45-minute winter driving presentations to help licensed drivers who want to brush up on their awareness of these skills or may be experiencing Manitoba winter roads for the first time. Interested groups or organizations with 10 or more interested participants can visit mpi.mb.ca/communityrelations to request an in-person or virtual presentation this season.

Manitoba Public Insurance is pleased to launch Check My Claim, a convenient new feature on MPI’s website that allows customers to get information about certain MPI claims, where and when they want it.

Manitobans can use the new service to access the most up-to-date status of their existing physical damage claims on personal vehicles. Claim information, including progress updates, a summary of insurance coverage, liability percentage, adjuster contact information and the details of upcoming appointments at MPI locations, is available through the new option.

“We know one of the top reasons customers call MPI’s Contact Centre or their adjuster is to get an update on their physical damage claim,” said Marnie Kacher, MPI’s Chief Operations Officer. “Earlier this year, customer survey data also showed us that Manitobans want to access this information online. As a customer-centric organization, MPI listened and moved quickly to create a solution that meets both needs while supporting the important work of our adjusting teams throughout the province.”

Check My Claim is the latest example of MPI prioritizing the preferences of Manitobans in the products and services it offers. MPI is proud to be delivering value to customers through new online solutions that offer more convenient access to its services.

Available for personal vehicle claims made after May 5, 2023, registered owners will be required to enter their claim number, document number (DD/REF) and the email address provided to MPI when the claim was reported to access their claim’s status.

Before Manitobans hit the road for the Terry Fox Day long weekend, MPI is highlighting the province’s Top 5 speed hot spots to raise awareness of the high-risk – and often deadly – driving behaviour.

The following locations had the highest proportion of drivers observed speeding in a recent MPI observational study:

The 2022 study, which included over 2.3 million vehicles at more than 50 different urban and rural locations throughout the province over five months, was designed to better understand how frequently drivers were speeding on Manitoba’s roadways.

“We know that speeds kills and continues to be one of the major contributors to all collisions that happen every year,” said Satvir Jatana, MPI’s Chief Customer Officer. “Every driver has a choice when they get behind the wheel – slow down and drive to conditions. MPI encourages everyone to do just that as they enjoy one of the last long weekends of summer.”

MPI data consistently shows that speed is a contributing factor in almost 20 per cent of all fatal collisions annually.

The study also found that Manitobans are especially travelling at dangerous speeds on highways – including nearly 100,000 vehicles observed travelling more than 10km/h over the posted speed limit on highways.

The results of the research were shared with road safety stakeholders and will be used by MPI to focus its speed prevention efforts on regions with the highest rates of speeding moving forward.

Tips to manage your speed

Wherever you’re travelling this long weekend, follow these road safety tips to keep your speed in check:

• Plan your route and give yourself enough time to safely reach your destination.
• Use cruise control to avoid inadvertently going over the speed limit.
• Maintain a safe following distance, which means a four-second distance in ideal driving conditions.
• Remember when passing by a roadside emergency vehicle, you must move to the farthest lane from the scene whenever possible. In this situation, drivers also are required to slow down to 40 km/h when the posted speed limit is below 79 km/h or 60 km/h when the posted speed limit is 80 km/h or higher.

Due to Manitoba Government and General Employees’ Union strike action, all Manitoba Public Insurance (MPI) locations will be closed and all scheduled appointments will be cancelled on Monday, August 28. This includes all driver testing, estimating, adjusting and driver fitness appointments. Affected customers will be contacted to reschedule at a later date. More information is available on MPI’s website.

MPI has worked closely with its partners across the province to minimize the impacts customers may experience because of the strike action.

In collaboration with these partners, the following services will continue:

• Customers with general enquiries or front-end service transactions, including licence renewals and insurance payments, can visit one of MPI’s nearly 300 broker partners across the province.
• MPI’s Contact Centre will remain open for reporting personal injury claims, non-drivable collision claims, and total-theft claims.
• Customers with all other claims can go directly to an MPI-accredited repair shop for vehicle estimates and repairs without contacting MPI first.
• Customers with vehicles towed to the Physical Damage Centre compound will continue to have access to remove personal items.
• Essential services such as income replacement payments for personal injury claimants will continue uninterrupted.

All existing Autopac policies and driver licences will remain valid through the labour interruption period. MPI will update its website daily to reflect the most up-to-date service impact information available.

Due to weather and road conditions in the Westman region, Manitoba Public Insurance has cancelled some driver testing services, including road tests, and estimating appointments at locations in the area.

Affected locations include:

Brandon Service Centre
All scheduled road test appointments have been cancelled. Customers with scheduled knowledge test and estimating appointments should attend the location as scheduled.

Dauphin Service Centre
All scheduled road test and estimating appointments have been cancelled. Customers with scheduled knowledge test appointments should attend the location as scheduled.

Winkler Service Centre
All scheduled driver testing and estimating appointments have been cancelled.

Swan River Claim Centre
All scheduled estimating appointments have been cancelled.

Impacted customers have been contacted and their appointments will be rescheduled. Front counter services remain available at all locations.

Service updates will be shared at mpi.mb.ca, as available.

The Manitoba Public Insurance (MPI) Board of Directors have selected Satvir Jatana as the Corporation’s new President and Chief Executive Officer. She assumes her new role immediately.

“Satvir brings a wide range of executive-level experience to this position, including nearly nine years as a leader in Manitoba’s public insurance industry,” said Carmen Nedohin, MPI Board Chair. “She deeply understands the needs of MPI’s customers, and with financial responsibility and customer service as her focus, Satvir will lead this organization in the best interests of Manitobans. She has the full support of the Board of Directors as she begins her new tenure as President and CEO of MPI.”

Jatana currently serves as MPI’s Vice President and Chief Customer Officer, where she oversees product development, communications, government relations and efforts to expand the gathering and utilization of customer feedback across MPI. This has contributed to ongoing rate affordability and an increased focus on customer experience for Manitobans.

She has held progressively senior positions since joining the Corporation in 2015, including: Executive Director of Operations; Vice President, Human Resources, Corporate Services and CHRO; and Interim President and CEO. Prior to MPI, Jatana held executive roles at Princess Auto and Canad Inns.

Jatana takes over from Marnie Kacher, who has acted as the Corporation’s interim President and CEO since May 2023. The selection of a permanent executive leader continues the Board’s commitment to steady the Crown corporation following a year of volatility that included the first strike in its 52-year history.

“MPI is a strong organization full of talented and committed people, but it is in need of a reset,” said Nedohin. “Satvir’s insight as a long-term employee, breadth of experience as a leader and strong desire to unite and engage MPI’s team makes her the right person to lead MPI into a new chapter.”

Jatana will focus on setting a new corporate direction for MPI, informed by guidance and advice from government, MPI’s Board of Directors and insight from the recent organizational review completed by EY.

“I am grateful to the Board of Directors for this opportunity,” said Jatana. “It is an honour to serve the province that is home to me by leading an organization that is a pillar in communities across Manitoba. I am proud to work alongside an exceptional team of committed employees to continue MPI’s long-standing tradition of providing exceptional customer experience and delivering affordable rates for Manitobans.”

Satvir Jatana’s full biography, along with a high-resolution photo, is available on request by contacting [email protected].

Manitoba Public Insurance (MPI) will begin restoring full services for customers across the province on Friday, November 3, following the ratification of a new collective bargaining agreement with the Manitoba Government and General Employees’ Union (MGEU), ending the 10-week labour interruption.

“I am pleased that we have been able to resolve the labour dispute with an agreement that is both fair for employees and responsible to our ratepayers,” said Carmen Nedohin, MPI Board Chair. “This has been a difficult time for MPI employees and our customers. I look forward to working with leadership to rebuild the culture of the organization while we restore services for communities across the province.”

With employees returning to work on Friday, MPI locations will reopen to the public at 1:00 p.m. with the majority of regular services available.

“We are incredibly pleased to have our full team returning to work on Friday and are just as eager to begin the process of rescheduling appointments that were cancelled, discontinued or limited during the labour interruption,” said Nedohin. “We recognize that customers have been patient over the past few months and we thank them for their understanding as we work as quickly as we can to return to our expected service levels.”

Service and Claim Centres to reopen, Contact Centre to resume full services

• All MPI Service and Claim Centres across Manitoba, including the Physical Damage Centre and Contact Centre, will reopen to customers at 1:00 p.m. on November 3 and remain open until 4:30 p.m.
• Appointments scheduled for 1:00 p.m. and beyond will continue as planned.
• Customers who have had appointments cancelled will be contacted to reschedule.

Regular updates will be posted on MPI’s website as service restoration continues.

As Manitoba Public Insurance (MPI) begins its annual Public Utilities Board (PUB) hearing today, it requests no overall revenue or rate change for the basic insurance program in the upcoming 2024/25 insurance year. Despite no overall rate change requested, individual insurance rates would continue to vary based on vehicle type, vehicle use, rating territory, and driving record.

In June, MPI filed its General Rate Application requesting the zero per cent overall rate change, in accordance with a directive issued by the Government of Manitoba. However, the directive does not apply to the PUB which operates independently, and has ultimate authority to establish basic insurance rates for the 2024/25 insurance year.

The PUB relies on many factors in rate setting, one being Accepted Actuarial Practice (AAP). At the time of June’s filing, the provisional overall revenue requirement calculated in accordance with AAP was minus 0.13 per cent. In October, the overall requirement further decreased to minus 1.48 per cent, primarily driven by positive investment yields, which is great news for Manitobans.

“MPI’s application, including the updated overall AAP indication of minus 1.48 per cent, demonstrates the positive overall financial position of the corporation,” said Marnie Kacher, MPI’s interim President and Chief Executive Officer. “MPI continues to focus on fiscal prudence for the year ahead, while providing Manitobans with affordable products and services to meet their needs.” MPI’s application is based, in part, on its fiscal year-end financials and current interest rates.

As part of its application, MPI also proposes continued expansion of the Driver Safety Rating (DSR) scale, which provides premium discounts for the safest drivers. If approved, MPI will add an additional discount level to the top of the DSR scale, resulting in a 48 per cent vehicle premium discount for drivers at the newly established DSR Level +18. MPI would also apply greater discounts to all DSR levels over DSR Level +8, thereby offering larger premium discounts to more of Manitoba’s safest drivers.

MPI expects the PUB to issue its order in December. Approved rates would become effective April 1, 2024, however because renewal dates are staggered, some vehicle owners will not pay their new rates until March 31, 2025.

Impaired drivers who are in a collision will be denied third-party liability coverage as of August 1, 2023, the Province of Manitoba and Manitoba Public Insurance (MPI) announced today.

Impaired drivers will be responsible for covering the cost of any damage they cause to other vehicles or property.

“Our government is committed to holding impaired drivers accountable for damage caused by their actions and to keeping our roads safe for all Manitobans,” Manitoba Justice Minister Kelvin Goertzen said.

“Far too many people are killed and injured every year in collisions caused by impaired drivers. That’s why the Government of Manitoba is pleased to announce that MPI now has the authority to recover costs for property or vehicle damage directly from these drivers.”

Third-party liability covers damages caused to other vehicles and to personal or public property. Under the new rules, if an impaired driver causes damage to someone else’s vehicle or property, MPI will cover the damages caused and then seek repayment from the impaired driver. This way, individuals whose property is damaged will continue to be compensated fully, as they are today. These changes will apply to drivers of all types of motor vehicles, including off-road vehicles.

The Personal Injury Protection Plan covers all Manitoba residents injured in an automobile accident anywhere in Canada and the United States. However, outside of Manitoba, an impaired driver is subject to the laws of the jurisdiction, meaning they could be responsible for covering the costs of all damage caused, including bodily injuries.

“Manitoba already has among the toughest penalties in Canada for driving under the influence of alcohol or drugs. This announcement creates one more serious deterrent to impaired driving in Manitoba,” said MPI Chairperson Ward Keith. “We are sending a clear message that impaired driving is unacceptable in our province. If you drink or use drugs, simply do not drive.”

Enhancing Manitoba’s strong stance on impaired driving

Impaired driving is a serious threat to public safety with significant sanctions and consequences. In addition to today’s announcement, all-perils coverage for damage to one’s own vehicle is already denied for impaired drivers.

Additional consequences to driving after consuming drugs or alcohol in Manitoba include licence suspensions, vehicle impoundment, participation in Manitoba’s Ignition Interlock Program, potential charges under the Criminal Code of Canada, movement down the Driver Safety Rating scale and a mandatory Impaired Driver Assessment at the Addictions Foundation of Manitoba at the driver’s expense.

MADD Canada, whose mission is to stop impaired driving and support victims of this violent crime, applauded the addition of another disincentive in Manitoba, and remains supportive of all initiatives to help prevent people driving under the influence.

“Impaired driving is a choice someone makes, and a choice for which they should be held accountable,” said Jaymie-Lyne Hancock, National President of MADD Canada. “We welcome this announcement from the Government of Manitoba and MPI. It is another strong consequence, in addition to the existing penalties, that individuals who choose to drive impaired will face.”

Statistics show impaired driving is a factor in one in four road fatalities each year in Manitoba and is a contributing factor in approximately 26 deaths each year, on average. So far in 2023, seven people have been killed in collisions involving impaired driving on Manitoba roads.

Top five road safety tips for summer driving

As Manitobans hit the road for summer travel, all drivers are urged to slow down, avoid distractions, and never drive impaired.

“There is no reason to ever drive impaired by drugs or alcohol,” MPI’s Keith said. “If you are out celebrating this summer, choose not to drive impaired. Plan a safe ride home. Have a designated driver, take a cab or rideshare, use public transit or stay the night. Whatever you do, don’t drive impaired.”

All motorists are reminded to follow these tips any time they get behind the wheel:

1. Never drive when impaired by alcohol or drugs.
2. Don’t text and drive.
3. Slow down – don’t speed.
4. Buckle up.
5. Be cautious in construction zones.

Manitoba Public Insurance (MPI) and University College of the North (UCN) are partnering to launch a new program to increase access to driver training programming in northern Manitoba. The UCN Class 5 Adult Driver Training Program will help create safer roads and improve workforce development in this critical area of the province by bringing affordable and accessible training into communities across the region.

“Promoting road safety throughout Manitoba is a core part of MPI’s mandate,” said Ward Keith, Chair of MPI’s Board of Directors. “Better access to driver training and education is a critical way MPI can partner with communities in northern Manitoba to reduce the disproportionately high number of road fatalities this region experiences. MPI is proud to support UCN in eliminating barriers to Class 5 adult driver training.”

Between 2019 and 2021, 13 per cent of all traffic fatalities in the province occurred in northern Manitoba, despite the region accounting for only six per cent of the provincial population.

The new program is unique because it will offer both in-class and in-car training to adults in cities and towns across northern Manitoba. Recognizing that participants may enter the program at different stages of the licensing process, adaptable cohorts will be established based on demand to offer support and training to obtain a Learner stage licence through to the completion of a passed Class 5 road test.

“Improving access to driver training is one of the best ways to develop and grow the workforce in northern Manitoba,” said Jamie Grant, UCN’s Associate Vice-President, Community & Industry Solutions. “Partnering with MPI to offer this program at UCN will improve safety on our roads while contributing to long-term economic development in the region.”

MPI and UCN anticipate over 125 students will receive training this year. UCN will begin accepting applications on July 4 for the first phase of the program, which includes Thompson, Flin Flon and The Pas. Adults can sign up online and in person with staff who will be visiting each community. Training is expected to begin in July 2023 and expansion is planned to more areas across the north in the coming months. For more information, visit UCN’s website.

With an average of 200 cyclists injured or killed in collisions annually over the past five years, Manitoba Public Insurance (MPI) is expanding the reach of its no-cost cycling workshops and programs to educate more Manitobans on how to bike safely.

“MPI is committed to ensuring every road user arrives at their destination safely – and that includes cyclists. Our cycling education programs are designed for all ages and skill levels, and we’re proud to be reaching more Manitobans than ever before in 2023,” said Satvir Jatana, MPI’s Chief Customer Officer. “MPI’s Community Relations team can help riders learn the rules of the road and gain confidence navigating real-world situations on two wheels.”

MPI’s cycling programs contribute to safer roads throughout the province by sharing age-appropriate best practices and knowledge for how to ride safely, communicate with other road users and use bike lanes as well as other cycling infrastructure.

“It’s important to remember that everyone plays a role in keeping our streets safe – motor vehicles and cyclists share the same roads, the same rights and the same rules,” said Mark Cohoe, Bike Winnipeg’s Executive Director. “One important way drivers can do their part is to provide a safe buffer between their vehicle and people on bikes as they pass. That buffer should be at least 1 metre and grow as speeds increase. This buffer gives cyclists a safe, comfortable space to operate, while leaving room to avoid hazards.”

And the Corporation’s courses have never been more popular. MPI is on track to deliver the among the most Cycle Safely Bike Rodeos in its over 50-year history in communities across the province this summer, reaching an estimated 13,000 children.

Designed for ages 6-10, this interactive presentation teaches children about bike safety, hand signals, helmet fitting and is great for schools, daycares, camps and more. The rodeo consists of two parts – a theory presentation and a practical component riding on a course to practice what was learned. Summer 2023 slots are still available throughout the province for this impactful program.

Adult cycling education programs

MPI also offers a range of adult programming that not only shares the basics of bike safety but empowers aspiring community cycling leaders to deliver their own presentations.

For cyclists aged 16 and older, MPI’s Bike It! safety course includes both theory and on-road lessons to give participants a clear overview of cycling safety. It’s perfect for those who want to build on their knowledge and practice their skills on the road in a safe environment. The next session will be held on Saturday, July 8, 2023 from 11.a.m. to 3 p.m. at MPI’s Main Street Service Centre in Winnipeg. The course is free but advance registration is required by emailing [email protected].

Cycling Champions is another adult workshop that prepares attendees to deliver cycling-safety presentations to peers at school, work or neighbourhood groups. The full-day session offers both classroom and on-the-road training and includes a ready-made presentation kit that contains a facilitator’s guide with speaking notes and PowerPoint presentations geared towards both children and adults. Custom dates and times can be scheduled for groups of six or more potential champions.

Bicycle Education & Skills Training in Schools (BEST)

The BEST Program is a partnership between MPI, Green Action Centre, Bike Winnipeg, the WRENCH, and Seven Oaks School Division providing multi-grade, multi-year bike education through lesson plans and on road instructions for the physical education curriculum in grades six through eight.

Students are taught how to ride on-road, learning valuable skills such as hand signals, shoulder checking, lane positioning, and more. The program also includes bike maintenance, teaching students to assess whether their bike is road worthy, what the parts of a bike are and how those parts operate.

Since its inception in 2015, more than 7,000 students in 20 middle schools in Winnipeg have participated in the BEST Program.

To learn more about the free cycling programming that MPI offers and book a session, visit mpi.mb.ca or email [email protected].

Manitoba Public Insurance has filed its General Rate Application with the Public Utilities Board (PUB) today, requesting no change in the overall rates for the 2024/25 insurance year.

This request for no change to the overall rate is good news for Manitobans and aligns with requirements put in place by the Government of Manitoba. In addition to filing for a zero per cent overall rate, MPI is required to file an Accepted Actuarial Practice (AAP) rate indication with the PUB, which is MPI’s own forecasted rate. The 2024/25 AAP overall indicated rate is very close to zero per cent request, meaning that the Corporation continues to provide stabilized rates for Manitobans.

If MPI’s application is approved, Basic overall vehicle rates will remain unchanged, however the premiums that drivers pay will vary according to individual placement on the Driver Safety Rating scale, type of vehicle and use.

“While people across the province continue to manage the impacts of the rising cost of living, MPI is proud to provide Manitobans with affordable products and services that meet their needs,” said Satvir Jatana, MPI’s Vice President and Chief Customer Officer. “If MPI’s rate application is approved, 52 per cent of private passenger class drivers—which make up two thirds of all policies—will see a decrease in 2024/25.

“The near-flat overall rate indication proposed for 2024/25 is possible because MPI is in good financial shape overall, and the reserves put aside to address unexpected or unanticipated claims costs are in line with legislated targets,” said Jatana. “The Corporation is moving forward with a renewed focus on fiscal prudence, reducing operating costs in 2024/25 and holding the staff complement at a consistent level.”

MPI is proposing a number of product enhancements as part of this rate application. This includes continued expansion of the Driver Safety Rating (DSR) system. If approved, MPI will increase the top of the scale by one increment, offering a 48 per cent vehicle premium discount to drivers at DSR Level +18. MPI would also apply greater discounts to all DSR levels greater than DSR Level +8, offering Manitoba’s safest drivers larger vehicle premium discounts.

MPI is also proposing a new blanket insurance policy framework for Manitoba’s rideshare industry that will bring it in line with other Canadian jurisdictions. If approved, the new policy would seamlessly switch between a registered owner policy and the new basic blanket policy depending on the use of the vehicle, giving dispatchers and drivers more flexibility and choice.

This year’s GRA submission also includes updates on Project Nova. The first release of Nova, which moved commercial brokers from a dated, paper-based system onto a new digital platform, launched in February 2023. The second release, which targets commercial customers who participate in the International Registration Plan, will roll out in the coming months. The third and fourth releases will follow in 2024 and 2025 respectively. These latter releases will mark the beginning of visible change for Manitobans, with replacement of front-end systems used by brokers and MPI staff to issue products and services to customers, as well as the introduction of some online services.

MPI is also in the final stages in selection of a Governance and Advisory Services vendor that will help ensure Nova is managed diligently, responsibly and with transparency at all levels.

***

MPI’s filing is based on its fiscal year-end financials and current interest rates. The Corporation routinely updates the overall rate indication as it refines its forecast closer to the start of the PUB hearing in October. The PUB normally issues its order in December. The proposed rates would be effective April 1, 2024, but because renewal dates are staggered, some vehicle owners won’t pay their new rates until March 31, 2025.

MPI has released the following statement on behalf of Ward Keith, Chair, Board of Directors:

“While MPI manages through significant change, the Corporation is staying focused on its mission and mandate – while centering its attention on three business objectives that will help MPI deliver value for all Manitobans:

1. Meeting financial obligations – continual focus on fiscal prudence and responsible financial management to maintain and control costs, which ultimately drives lower vehicle insurance rates for Manitobans.
2. Delivering Project Nova – replacing outdated and unsupported legacy technology platforms to ensure Manitoba’s public insurance system is safe, reliable, and secure for generations to come, while creating opportunities to introduce new online options.
3. Improving service delivery – continually improving how MPI serves its customers will always be a key priority. Focusing on frontline service availability and delivery so that people across the province have access to affordable products and services that meet their needs.

Against this framework, I am pleased to report that the Corporation is preparing to file its application to the Public Utilities Board for Basic insurance rates for the 2024/25 insurance year. While the Corporation will file for a zero per cent overall change to Basic insurance rates for 2024/25 in line with government direction, the actuarial indicated rate change is virtually flat as well. This is possible because MPI is in a good financial shape with reserves for unanticipated claims costs now at legislated targets. This year’s General Rate Application will also include further enhancements to the Driver Safety Rating scale, offering larger vehicle premium discounts for the safest drivers.

I am also pleased to report that Project Nova is continuing on schedule and within budget to replace outdated and unsupported legacy technology systems. While the implementation to date has not been without issue, I am optimistic that the right budget and resources are being put in place to deliver on the remainder of the project. That said, greater oversight from the Board is required to ensure that Nova stays on track. MPI undertook a formal Request for Proposals process and is close to selecting a new Governance and Advisory Services vendor to provide external oversight to Project Nova for the remaining two years of the project. This vendor will play a critical role in my expectation and commitment that Project Nova will be managed diligently, responsibly and with the right levels of transparency. A broader update will be provided to the Public Utilities Board in October.

MPI is also in the final stages of selecting a vendor to conduct the external organizational review ordered by government in April. I expect this external review will provide the Board with important advice and recommendations on Project Nova, in addition to examining other aspects of the Corporation’s organizational structure, operations, and financial and actuarial practices.

Together, MPI’s Board of Directors, executive leadership team and employees are taking time to reset and put tighter oversight processes and governance structures in place, which will help to ensure MPI is positioned to continue providing value for Manitobans.”