If you need to rent or borrow a vehicle, it’s a good idea to think about the insurance protection you’ll need. Rental Vehicle Insurance from Manitoba Public Insurance provides better coverage at a substantially lower cost than most rental companies.
There’s more to renting a vehicle than you might think. Driving an unfamiliar vehicle in a strange place can make a collision more likely. Without the right insurance, you could wind up paying for damages and injuries from your own pocket. The financial risks of renting outside Manitoba are significant:
As a Manitoban you are covered by the Personal Injury Protection Plan (PIPP) if you are hurt in a collision while driving the rental vehicle.
Save up to $25 each day with Rental Vehicle Insurance compared to coverage from the rental company. The rate for Rental Vehicle Insurance is based on where the vehicle is rented, not where it is driven and you can drive the vehicle anywhere in Canada or the United States. For example, a customer who rents a vehicle in Winnipeg to drive to California pays the Manitoba rate, not the United States rate.
Manitoba rate - $2 per day
Canada rate - $4 per day
United States rate - $5 per day
A $15 policy fee and a minimum of three days of premium apply to each Rental Vehicle Insurance policy. Check our Rate Calculator for an estimate.
Rental Vehicle Insurance is only available to permanent or temporary Manitoba residents with a valid driver’s licence.
Rental Vehicle Insurance covers you (the policyholder) and any other driver, provided the driver has your permission to drive the vehicle and is qualified or authorized by law to operate the vehicle. If the operator is not a Manitoba resident, they must be qualified or authorized by law in the jurisdiction where they reside.
With our Rental Vehicle Insurance, you don’t have to list all of your drivers. If you’ve bought our Rental Vehicle Insurance in your name, anyone driving the vehicle with your consent and with a valid driver’s licence is covered. However, the rental company may require you to list all your other drivers as part of their rental agreement.
When renting or borrowing a vehicle that’s registered and insured in Manitoba, that vehicle’s Basic Autopac insurance covers you if you have a valid driver’s licence and you’re driving with the rental company or vehicle owner’s permission.
For this reason, you’re only responsible for the Basic deductible, which is $750 for policies with an effective date of April 1, 2021, or later. Buying Rental Vehicle Insurance lowers your deductible to $200.
Rental companies can claim against you for lost revenue if their vehicle is damaged and unavailable for rental. You could also face claims from others whose property you’ve damaged or for injuries you’ve caused that exceed the liability insurance on the rental vehicle. Rental Vehicle Insurance protects you against these financial risks too.
Rental Vehicle Insurance from Manitoba Public Insurance is your best choice, but other options are available:
If you need more information on Rental Vehicle Insurance, an Autopac agent will be happy to help you.
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