Insurance

Fleet Program

Discounts for fleet owners are handled differently than is the case with individual vehicle owners. The Autopac Fleet Program upholds our commitment to a rating structure that rewards safe driving and vehicle maintenance. We encourage you to share in our focus on safety. By doing so, you'll see the results of your safety efforts through a sliding scale of rebates and surcharges. The lower the losses we pay, the less you'll have to pay to insure your fleet.

What is a fleet?

To qualify, you must:

  • Have 10 or more vehicles registered (including vehicles under dealer and repairer plates) on the first day of any customer month in your registration period
  • Meet the required minimum number of insured days

Contact the Fleet Unit at 204-985-7501, 204-985-7510 or 1-800-406-1886 if you're not sure whether your fleet qualifies.

Are there any vehicle classifications which do not qualify for the Fleet Program?

Excluded vehicles are:

  • Vehicles classified as insurance-exempt vehicles
  • Taxis
  • Livery vehicles
  • Trailers
  • Vehicles for which premiums are paid only for Personal Injury Protection Plan coverage
  • Off-road vehicles
  • Motorcycles
  • Mopeds
  • Mobility vehicles
  • Vehicles under a Lay-up policy
  • Vehicles under a Rental Vehicle Insurance policy

How are rebates and surcharges calculated?

Rebates and surcharges are determined by the loss experience of your fleet. A loss experience is the ratio between all the losses we paid on your behalf and the fleet premiums you paid to us. Claims are included according to the degree of responsibility, except for comprehensive claims, which are fully included in the calculation of the loss ratio. Losses paid and fleet premiums for New and Leased Vehicle protection coverage are not included in the fleet experience.

For example, if you are held 40 per cent responsible for a claim, then only 40 per cent of the cost of the claim (including all costs for which the fleet driver is responsible) will be charged to your fleet experience.

Currently, the maximum amount used for any one loss is $25,000. Rebates and surcharges will vary, determined by your loss ratio.

Beginning March 1, 2012, fleets with the lowest ratio of claims to premiums paid are eligible for larger premium rebates – up to 33 per cent instead of 25 per cent! (This is based on each fleet's 2012-13 annual rating term or annual registration period)

That means fleets can qualify for the same maximum savings as drivers on the Driver Safety Rating (DSR) scale.

Rebates

If the loss experience of your fleet is (%)

your refund will be (%)

If the loss experience of your fleet is (%)

your refund will be (%)

69

1

52

18

68

2

51

19

67

3

50

20

66

4

49

21

65

5

48

22

64

6

47

23

63

7

46

24

62

8

45

25

61

9

44

26

60

10

43

27

59

11

42

28

58

12

41

29

57

13

40

30

56

14

39

31

55

15

38

32

54

16

37 or less

33

53

17

Surcharges

If the loss experience of your fleet is (%)

your surcharge will be (%)

If the loss experience of your fleet is (%)

your surcharge will be (%)

70-79

Nil

105

26

80

1

106

27

81

2

107

28

82

3

108

29

83

4

109

30

84

5

110

31

85

6

111

32

86

7

112

33

87

8

113

34

88

9

114

35

89

10

115

36

90

11

116

37

91

12

117

38

92

13

118

39

93

14

119

40

94

15

120

41

95

16

121

42

96

17

122

43

97

18

123

44

98

19

124

45

99

20

125

46

100

21

126

47

101

22

127

48

102

23

128

49

103

24

129 or more

50

104

25

For example

claims incurred

divided by

fleet premiums

equals loss ratio

equals % rate of premium

equals rebate/surcharge amount

$3,750

$10,144

37%

33% of premium $10,144

or a rebate of $3,348

$5,425

$2,495

217%

50% of premium $2,495

or a surcharge of $1,247

How will I know my Fleet Safety Program is working?

We'll help you manage the loss experience of your fleet by providing a quarterly progress package that includes reports on fleet identification, claims incurred, and fleet loss ratio. A final fleet assessment package is sent annually with a statement of account. This will indicate your rebate or surcharge, based on the fleet results for the year.

What if I disagree with my surcharge?

You're entitled to appeal your surcharge, and can have your surcharge reviewed by the Fleet Unit. If the record is correct and you wish to appeal, you will be advised on how to appeal to the Rates Appeal Board.