If your vehicle is in a collision with another vehicle or a property, you can be legally responsible for damage or injuries others claim against you – even if you weren’t driving at the time. Basic third-party liability coverage insures you up to $500,000 for those claims that are made against you.
Why should I consider increasing my third-party liability coverage?
If you are in a collision outside of Manitoba, claim costs can add up. For Manitobans who often leave the province, even for one-day or weekend trips, we recommend you consider increasing your coverage.
Recent changes to third party liability coverage
As part of our efforts to streamline our products, match industry standards, and keep insurance rates affordable for Manitobans, effective July 1, 2025, MPI will only be offering third-party liability coverage in the amounts of $1 million, $2 million and $5 million. This means that coverage of $7 million and $10 million will no longer be offered.
If your policy is up for renewal and you currently have $7 million or $10 million third-party liability coverage, your coverage will be adjusted to $5 million, with the option to make changes when you visit your broker. If you’re in a reassessment year, your current coverage will remain in effect for the rest of your term unless a change is made that results in policy cancellation. This could include your policy expiring or lapsing or being renewed, suspended, cancelled or transferred.
Customers cannot use Special Risk Extension to extend their third-party liability coverage beyond $5 million for vehicles eligible for Autopac Extension third-party liability coverage.
Know your options. Talk to an Autopac agent to learn more.
Note that third-party liability coverage can be denied in certain situations, such as impaired driving. See more information.