Insurance

If you are leaving Manitoba

Claims experience letter

You can get a claims experience letter from us for $15. We can also help you get a driver abstract, which is $10. To get your letter in person, visit a Service Centre location before you leave Manitoba.

To ask for either a claim experience letter or help getting a driver abstract, call us:

Inside Winnipeg at 204-985-7000
Outside Winnipeg at 1-800-665-2410

We can take a credit card payment (by VISA or MasterCard) over the phone and then mail or fax you the claims experience letter.

After registering your vehicle outside Manitoba, send a photocopy of your new vehicle registration documents to:

Manitoba Public Insurance
Box 6300
Winnipeg, MB R3C 4A4

Include a letter, with your signature, asking us to cancel your Autopac insurance. You can also fax your cancellation request to 1-877-776-9060.

You may want to keep the Transfer of Ownership Document (TOD) portion of your Manitoba registration as proof you own the vehicle.

Driver abstracts

Driver records can be obtained for a fee of $10, and are usually used for employment and legal purposes. They are issued only to the driver or to someone with written permission from the driver to obtain this information. When requesting a driver record, make sure to specify if you need a commercial or personal driver record.

To obtain a driver record, either:

  • Download a copy of the request form and submit the completed form by fax to 204-954-5357 or by mail to:
  • Manitoba Public Insurance
    Driver Records and Suspensions
    Box 6300
    Winnipeg, MB R3C 4A4

  • Visit your Autopac agent to request a driver record, pay the fee and arrange to have the record mailed or faxed to you.

Payment options are: certified cheque or money order payable to Manitoba Public Insurance or credit card (VISA or MasterCard). If paying by credit card, please include your card number and expiry date with your request.

If you require further information, call 204-985-0980 or 1-866-323-0543 (toll-free).

The driver record contains: name, address, driver licence number, date of birth, sex, height, eye color, licence effective date, licence expiry date, authorized instruction, air brakes, conditions effective and expiry date (if applicable), licence status, test year, licence class, restrictions (if any), at-fault accidents, convictions*, suspensions, disqualifications and prohibitions.

*A discharge under the Criminal Code of Canada for certain driving related offences may be treated as a conviction under the Manitoba Highway Traffic Act.

Cancelling your Autopac coverage

When you move out of Manitoba, your Autopac, all-perils and third-party liability coverage ends when one of the following occurs:

  • the place you've moved to requires you to register your vehicle there
  • you register your vehicle in the new location
  • your Autopac coverage expires or you're suspended for failing to pay for coverage

Your Personal Injury Protection Plan coverage continues for as long as you can legally retain your Manitoba registration and insurance--but you're covered for injuries only while you're in a vehicle with Manitoba licence plates.

Remember, you must follow the registration rules of the province, territory or state where you’re driving or keeping your vehicle. Even if you still consider yourself a Manitoba resident, their rules may require you to register your vehicle there. It's your responsibility to comply with the laws of your new jurisdiction.

Important: Be sure to check the vehicle registration and insurance rules of the new jurisdiction beforehand. You may have to register and insure your vehicle there shortly after you or your vehicle arrives—sometimes within a few weeks or less. Your new insurer may also ask you for a written record of your claims experience in Manitoba. After registering your vehicle outside Manitoba, send a photocopy of your new vehicle registration documents and your expiring Manitoba licence plate number, along with a signed letter asking us to cancel your Autopac coverage, to:

Manitoba Public Insurance
Box 6300
Winnipeg, MB R3C 4A4

You can also fax your cancellation request to 204-985-7670. You may want to keep the Transfer of Ownership Document (TOD) portion of your Manitoba registration as proof you own the vehicle.

Refunds

We calculate refunds or credits using what's called "short-rating" — a standard practice in the insurance industry. This may mean your refund will be less than you expected.

Your refund is calculated using a formula that factors in the amount of policy premium and the time left until your next anniversary day. You can ask your Autopac agent for details of your refund calculation.

There are no refunds on flat-fee premiums, such as for off-road vehicles, snow vehicles and trailers valued under $2,500.

Also, short-rate cancellation applies when transferring Autopac road coverage to Lay-up Coverage.


What is short-rating?

Insurance policies are priced annually, with the fixed costs of writing the policy (like agents' commissions) spread over the insurance year.

Your Autopac policy is priced on an annual basis and will be in effect for one to five years (depending on the insurance use and registration class).

When someone cancels a policy early, the fixed costs are spread over a shorter period than originally intended. That makes them higher on a daily basis. For example, $100 of fixed costs spread over 100 days are $1 per day. Spread over 50 days, this doubles to $2 a day.

Short-rating makes sure that those who cancel early cover the costs of the insurance they've used.

More information on leaving Manitoba is available on the Publications/Forms page.