Drivers who maintain a safe driving record for a number of years get a discount on their Autopac premiums.

Premium discounts depend on your Driver Safety Rating.

Who qualifies

People registering passenger vehicles and light trucks, motorhomes, motorcycles and mopeds can qualify for a discount.

You can also qualify as the sole owner of a corporation, if you register the vehicle in your name rather than the corporation’s name. To do this, you’ll need a written agreement giving you “right of possession” of the car or light truck.

New or returning to Manitoba

If you are new or returning to Manitoba and have driving experience and claims experience from a reciprocal country, you may be eligible for a discount on your driver’s licence and insurance when you submit both documents. Your experience determines your placement on the Driver Safety Rating scale.

To prove your previous driving record, you need to bring both an original claims experience letter and driver abstract on letterhead. No photocopies, faxes, scans or photos are allowed. These documents must show concurrent driving history. No movement (maximum of +10) on the DSR scale is possible when only partial history is presented. Both documents must be submitted for review before processing.

Claims experience or claims histories are letters provided by insurance companies. The letter must contain:

  • Insurance company name and contact information.
  • Date of issue.
  • Name of policy holder(s) and policy number(s), and include the names of all drivers listed.
  • Effective and expiry date of the policy.
  • Details of any claims, or state clearly that there were no at-fault claims. Claims details should include date of loss, type of loss, percentage at-fault, and the name of the driver involved.

Driver abstracts or driver records are provided by government agencies responsible for driver licensing. The abstract must contain:

  • Name and contact information of the licensing authority.
  • Date of issue.
  • Driver’s name, date of birth, driver licence number, and class and/or stage of licence(s).
  • Current status of licence, showing date of issue and expiry.
  • Date first licenced.
  • Any licence restrictions.
  • Any convictions, suspensions or tickets.
  • Any accidents.
  • It must clearly state if there are no convictions, suspensions, traffic offences, or accidents.

What uses qualify

The following insurance uses are eligible for a premium discount:

  • Pleasure passenger vehicle
  • Pleasure truck
  • Farm passenger vehicle
  • Artisan truck, up to and including 16,330 kg
  • Farming all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
  • Fishing all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
  • Common carrier local passenger vehicle
  • Common carrier passenger vehicle within 161 km of Manitoba
  • Common carrier truck local within a city or municipality
  • Common carrier truck within 161 km of Manitoba
  • All purpose passenger vehicle
  • All purpose truck
  • Accessible vehicle-for-hire
  • Limousine vehicle-for-hire
  • Passenger vehicle-for-hire
  • Taxi vehicle-for-hire
  • All moped uses, except u-drive mopeds, and dealer mopeds
  • All motorhome uses, except u-drive motorhomes
  • All motorcycles uses, except antique motorcycles
  • Collector passenger vehicle
  • Collector truck

Major offences

Conviction of a major offence can have an impact on your driver safety rating. Use our Driver Safety Rating Calculator to see exactly how major offences affect your premium.

Major offences include:

  • careless driving
  • speeding (more than 49 km over the posted limit)
  • racing a motor vehicle
  • driving while disqualified
  • failing to report an accident
  • failing to stop at the scene of an accident
  • failing to leave particulars where damage was caused to an unattended vehicle
  • disobeying a police officer
  • criminal negligence
  • causing death by criminal negligence
  • causing bodily harm by criminal negligence
  • manslaughter
  • dangerous operation of a motor vehicle
  • dangerous operation of a motor vehicle causing bodily harm
  • dangerous operation of a motor vehicle causing death
  • operation of a motor vehicle while impaired by alcohol or a drug (including U.S. offences)
  • operation of a motor vehicle while impaired by alcohol or a drug and a person under the age of 16 years was a passenger (including U.S. offences)
  • driving with a blood alcohol concentration equal to or over .08% (including U.S. offences)
  • driving with a blood alcohol concentration equal to or over .08% causing bodily harm
  • driving with a blood alcohol concentration equal to or over .08% causing death
  • driving with a blood alcohol concentration equal to or over .08% and a person under the age of 16 years was a passenger (including U.S. offences)
  • refusing to provide a breath, saliva or blood sample (including U.S. offences)
  • refusing to provide a breath, saliva or blood sample and a person under the age of 16 years was a passenger (including U.S. offences)
  • driving with a blood drug concentration over 5 nanograms (ng) of THC
  • driving with a combined blood alcohol concentration over .05 and blood drug concentration over 2.5 ng of THC
  • impaired operation of a motor vehicle causing bodily harm (including U.S. offences)
  • impaired operation of a motor vehicle causing death (including U.S. offences)
  • theft
  • taking a vehicle without the owner’s consent
  • possession of goods obtained by crime
  • mischief
  • selling an automobile master key
  • arson
  • automobile vandalism
  • speeding in a construction zone (more than 49 km over the posted limit)

Buying back a claim

Depending on the circumstances, you may have the option to “buy back” your claim if you have a collision for which you were 50 per cent or more responsible. A buy back is like undoing your claim by reimbursing Manitoba Public Insurance for the percentage of the claim for which you were responsible.

For example, if you were 75 per cent responsible for the collision, you would reimburse Manitoba Public Insurance 75 per cent of the money we paid for repairing your vehicle, and other vehicles and property damaged in the collision, and for injuries resulting from the collision.

Buy backs are available for claims amounts of $5,000 or less. When a claim is bought back, the claim will not negatively affect your Driver Safety Rating, but it will appear on your Driver Abstract. The claim must have occurred in the past five years. When you buy back a claim from a past year, we adjust your premium for your current policy year only. One buyback is allowed every five years.

People buy back their claims for reasons that include:

  • keeping their vehicle premium and driver’s licence premium discounts
  • avoiding additional driver’s licence premiums

Not all claims can be bought back. To buy back a claim or to see if your claim is eligible, contact your adjuster.

Deductibles are standard across the insurance industry. They help control the cost of insurance for customers because they help control overall claim costs for insurers.

Your deductible is the part of your Autopac physical damage claim you are responsible to pay. Your deductible applies to collision, vandalism, hail, theft and most other claims. Your Autopac insurance covers the amount above your deductible.

Deductibles by vehicle type

The Basic deductible for most cars, SUVs, light trucks and motorcycles is $750, for policies that take effect after April 1, 2021. Options are available to lower this Basic deductible level.

Basic deductibles vary by vehicle type:

Private passenger vehicles, vehicles for hire, vans, light trucks, motor homes

$ 750

Motorcycles (only collision and upset coverage)

$ 750

Trailers with a declared valued of $2,500 or less

$ 225

Trailers with a declared value of $2,501 or more

$ 750

Mopeds (only collision and upset coverage)

$ 225

Truck tractors, tankers (carrying fuel, chemicals), logging trucks, sand and gravel trucks, common carrier trucks or common carrier buses in Manitoba, buses (transit, u-drive)*

* Some of these vehicles don’t have all-perils coverage

$ 1,200

When a deductible applies

If another driver insured through Autopac is at fault for damaging your vehicle in a collision, we will reimburse your deductible based on that driver’s fault. So, if the other driver was 100 per cent at fault, you get all of your deductible back. If each driver was 50 per cent at fault, you get half of your deductible back.

Each incident of loss or damage equals one claim, with a deductible for each claim. For example, two separate collisions are two separate claims, with a deductible for each. Or, if you have damage due to hail and damage due to a collision, each is its own claim.

Stolen vehicles

If your vehicle is damaged by a stolen vehicle, we’ll reimburse your deductible when the following conditions are met:

•We know the identity of the person who stole the vehicle.

•The person who stole the vehicle doesn’t dispute being responsible.

Your deductible also applies on a claim for hit-and-run damage. But if we know who was responsible, we’ll try to get your deductible back for you.

Insurance spreads the cost of claims among many people so no one has to face the cost of a claim alone. For one person, the costs from an accident could cause bankruptcy. Spread among many people, the costs become affordable.

All auto insurance plans, including Autopac, group you with others, all of whom share three factors that make up your overall risk of claims. You’re grouped with others who live in a similar area, own similar vehicles and use their vehicles like you do. The money collected from your group covers you if you have a claim. In exchange for that protection, you share your group’s costs through your premiums. In part, your premiums depend on how much your group has cost the insurance fund. An important part of your group’s costs are injury claims. To make sure each vehicle shares the injury costs from an accident fairly, we divide those costs equally among all the vehicles involved.

How your Autopac premium is set

Your rates are determined based on a combination of the following four objective, risk-based factors:

  1. Your vehicle: Your insurance costs are determined in part by the claims costs associated with the year, make and model of the vehicle you drive. Claim costs may be lower for a car that has more safety and loss prevention features.
  2. Where you live: Manitoba is divided into four territories for vehicle rating purposes. Each geographic region is identified with varying degrees of risk. The lower the risk, the lower your insurance rates.
  3. What you use your vehicle for: Insurance rates differ depending on what you use your vehicle for. That’s because what you use your vehicle for affects how likely you are to have a claim. For instance, if you only drive to the grocery store and back (pleasure use), you’re less likely to have a claim than if you drive your car regularly as a courier.
  4. Your driving record: If you drive safely – with no at-fault claims, traffic convictions or drug or alcohol-related administrative suspensions – you save money on your insurance. On the other hand, if you drive unsafely, you pay more.

If you want to drive for a rideshare company, we’ve got you covered! Passenger Vehicle for Hire coverage is simple and flexible.

Benefits

Key benefits include:

  • Set your schedule and pay accordingly: Drive as much as you want, anytime you want. The cost is based on the number of timebands you select. Tailor your coverage to the time you plan to drive.
  • It’s convenient to set up: Talk to your Autopac agent to purchase or change coverage. You can change your selection of timebands at anytime without transaction fees. Rideshare drivers can operate their vehicle with a regular Class 5 driver’s licence and regular passenger vehicle licence plates. Vehicle for Hire insurance is easy to buy, easy to change and easy to use.
  • You have full coverage: Passenger Vehicle for Hire drivers enjoy the same coverage and benefits available from Basic Autopac and the Personal Injury Protection Plan. It includes a $750 deductible (for policies with an effective date of April 1, 2021, or later) and the option to purchase Autopac Extension products (such as lower deductibles or increased third-party liability). All individual Vehicle for Hire insurance holders are also eligible for applicable Driver Safety Rating discounts!
  • It’s fair and equitable: Our Vehicle for Hire insurance model ensures that everyone is paying their own way — there is no cross-subsidization between Vehicles for Hire and regular passenger vehicles. In addition, the rating model aligns with the compulsory and universal nature of auto insurance in Manitoba.

Timebands

Select from four timebands.

Purchase one, two, three or all four timebands, depending on when you plan to offer rideshare services. Talk to your Autopac agent to determine the premium that will apply to your situation.

Weekdays (Not including rush hour)

Daytime, Monday through Friday, 10 a.m. –3 p.m.
Evening, Sunday through Thursday, 7 p.m.–11 p.m.

Rush hour

Morning, Monday through Friday, 7 a.m.–10 a.m.
Afternoon, Monday through Friday, 3 p.m.–7 p.m.

Overnight

Nightly, 11 p.m.–7 a.m.

Weekends

Friday 6 p.m.–Sunday 11 p.m.

To become a Passenger Vehicle for Hire operator:

  1. If you plan to operate in Winnipeg, visit the City of Winnipeg website to learn more about the rules and regulations that apply to private vehicles for hire (personal transportation providers), and to find out which ride share service providers are licensed to operate in the City of Winnipeg.
  2. If you plan to operate outside Winnipeg, learn the rules that apply in the local municipality. Driver licensing, insurance and vehicle requirements may vary under local municipal bylaws.
  3. Make contact with the rideshare service provider you are interested in driving for to find out how to become a driver, and what eligibility requirements apply.
  4. Talk to your Autopac agent about changing to Passenger Vehicle for Hire coverage and the timebands that work best for you.
  5. Once you are driving as a Passenger Vehicle for Hire operator, remember it is your responsibility to keep your vehicle correctly insured and offer rideshare services only within the timebands you select. You can change your timebands at any time by visiting any Autopac agent – the changes will take effect immediately.

Passenger Vehicle for Hire provides full coverage that fits your schedule. Talk to your Autopac agent for more details. When it comes to insuring your vehicle to provide private rideshare services in Manitoba – Manitoba Public Insurance has you covered!

You can transfer your registration and insurance from one vehicle to another at any Autopac agent. You’ll either need new licence plates or a special sticker to put on your licence plates if the vehicles are in different registration classes.

For example, if you sell your car and purchase a truck for your gardening business, you’re changing the registration class of your vehicle. The registration class of a vehicle is on the front of a Vehicle Registration Card, at the top left.

When your replacement vehicle is in a different registration class, you must report the change to an Autopac agent before driving the vehicle. That’s when you’ll receive a new registration and a special sticker to put on your plates.

You can transfer the plates from your currently registered vehicle to your newly purchased vehicle when:

  • Both vehicles are in the same registration class.
  • You have sold, traded or scrapped the registered vehicle.

You have seven days from the day you disposed of your old vehicle to register the replacement vehicle with Manitoba Public Insurance. But remember, the coverage on your new vehicle is limited to what you carried on your old vehicle. Always check to make sure the maximum insured value (and declared value if applicable) from your old vehicle are sufficient for your new one.

During the seven-day transfer period, always carry documents in your vehicle showing the sale of your old vehicle and the purchase of its replacement. Remember, to bring all of your documents to your Autopac agent when you register.

Disposing of a vehicle

When you dispose of your vehicle and don’t replace it within seven days, you should see your Autopac agent to cancel your policy.

We calculate your refund for unused insurance and registration charges from the day you cancel your policy.

If we write off your vehicle, our staff can cancel your registration and insurance. Or, you can take a copy of the settlement form – called a “proof of loss” – to any Autopac agent. Remember, you can keep your current policy if you’re planning to replace the vehicle within seven days.

Keeping your vehicle if it’s a write-off may not make sense. Canada-wide rules prevent registration of write-offs with extensive structural damage.

Some write-offs can’t be registered again. Others may require an extensive (and expensive) rebuild before being registered again. Talk to your adjuster if you’re thinking about keeping your vehicle so you’ll be able to make an informed choice. For more information, contact Vehicle Standards and Inspections: inside Winnipeg call 204-985-0920 or outside Winnipeg call toll-free 1-866-323-0542.

Ways to pay

There are many payment options available. You can pay your whole amount due up front or pay in smaller instalments throughout the year.

  • Pay online with VISA, VISA Debit cards, MasterCard or Debit MasterCard cards. American Express and prepaid credit cards cannot be used. For more information on eligibility for online payments, see our help section.
  • Pay online or by telephone through your financial institution.
  • Pay in person, with cash, cheque, debit, VISA, MasterCard or using a digital wallet mobile device application (Google or Apple Pay) wherever Autopac is sold.
  • Pay by mail, with cheque or money order. When using this payment method, please write your customer number or driver’s licence number on the cheque or money order. If you have more than one policy, please also write the policy number to which you’re directing the payment on your cheque or money order. Please ensure you mail the payment early enough for us to receive it on time.

Payment options

There are three ways to pay:

Full payment. Paying your full amount due at an Autopac agent is your most economical option. There are no interest or service charges and you can pay by cash, cheque, debit, VISA or MasterCard. Make your full payment in person at your Autopac agent or Service Centre, online through mpi.mb.ca (see more information about online payments), or through your financial institution.

Four-payment plan. Customers with annual or multi-year policies have the option of making four payments. You can pay:

  • in person at an Autopac agent or MPI Service Centre by cash, cheque, money order, debit or credit card
  • online at mpi.mb.ca by credit
  • through your financial institution
  • by leaving post-dated cheques for each four-payment instalment with your broker

12 pre-authorized payments. You can spread out the cost of your premium over 12 automatic monthly payments through your bank account. Pre-authorized payments must be set up in person at an Autopac Agent or MPI Service Centre. You’ll need to bring one of these three things with you: a void cheque; a statement or passbook for your account, or a photocopy of either.

After the first month, you’ll have one monthly withdrawal. In the first month:

  • If your withdrawal date and your anniversary date differ, we’ll withdraw two payments from your account in the first month.
  • If your withdrawal date and anniversary date are the same, we’ll withdraw just one payment in the first month.
  • You’ll get a payment schedule of your withdrawal dates and amounts. It’s your responsibility to ensure your account has enough money to cover each withdrawal. Also, if your banking or credit card information changes, please report this to an Autopac agent immediately to avoid dishonoured payments.
  • You can also change your withdrawal date during your policy term. But, if you change your date, you may have two withdrawals within the first month after the change. Withdrawal dates cannot be more than 30 days apart. Ask an Autopac agent for details before you make this change.
  • Please remember, if you cancel a policy on the same day as one of your withdrawals, the full withdrawal will still occur. Cancelling your policy at least one day before your withdrawal date ensures any future withdrawals are either cancelled or adjusted. And remember, you may still owe money on the financing agreement after cancelling your policy.

Please note: If you are using 12 pre-authorized payments, your payment is set up to be automatically withdrawn and you are not eligible to make an online credit card payment for that item.

Earlybird renewals are a convenient way to not miss a payment if you are travelling outside the province for extended periods and may be away when it’s time to renew. An Autopac agent can help you make special arrangements to be sure that your Autopac coverage continues while you’re away.

Making an online payment

Paying online at mpi.mb.ca is a quick and convenient option to make a payment anytime with your VISA or MasterCard.

You can also pay online or by telephone through your financial institution – simply contact them to set up this service for you. Please use your customer number (found on your statement of account) as your account number. If you can’t locate your customer number, an Autopac agent can help you.

You can use the online payment option if you are making a full payment in a reassessment year .

If you’re on the four-payment plan, you can also make an online payment for any of your four instalments in a reassessment year, or for your 2nd, 3rd and 4th payments in a renewal year, providing they are due within the next 45 days.

Motorcycles and ORVs

If you have your policy application processed prior to the riding season but choose to defer paying your premium until the first day of the riding season, you are eligible to make your payment electronically.

Who is not eligible?

The initial payment on new policy applications, renewals or policy re-activations must still be made in person at an Autopac agent. Mid-term changes or vehicle transfers do not qualify for online payments.

If you have received a renewal notice, you must visit an Autopac agent or Service Centre to review your coverage and renew your Autopac before it lapses.

Online payments are not available for customers on the 12-payment plan.

If you have a reassessment payment restriction on your account, you are not eligible to make an e-payment for your first payment instalment. For more information about your payment restriction, see the letter attached to your annual statement of account.

Don’t miss your due date

Make your online payment two to three days in advance of your due date to ensure it is processed in time. This will prevent the risk of late fees being applied, which may occur if the payment is processed after the due date. (Manitoba Public Insurance will reverse the $20 late fee if you bring a copy of your receipt that includes a reference number and time of remittance, or proof of payment from your financial institution (with a time stamp indicating payment was made before midnight on the due date) to an Autopac agent.)

Interest, penalties and other costs

  • Interest charges and an administrative fee are built into your pre-authorized monthly payments. The interest depends on current rates and the total amount being financed, which is your insurance premium plus your vehicle registration fee. The total interest and the $4 annual administration fee (per policy, per year) are divided evenly over all your payments.
  • NSF charges. We will charge you a $20 penalty for each cheque we can’t cash. This includes NSF cheques, unsigned cheques and incorrectly dated cheques.
  • Late payments. A penalty of $20 (on each insured vehicle) will apply for every late payment under the four-payment plan, and for each defaulted instalment under the 12-payment plan. Payments due on a Sunday or a statutory holiday can be paid on the next business day without penalty.

Missed payments

Missing a payment may lead to your registration and insurance being suspended. Serious consequences can result from driving a vehicle with suspended registration and insurance. You’re responsible for paying all of your instalments on time. We take action right away if we don’t receive a payment from you on time, if one of your monthly payments defaults or if we can’t cash your cheque. We’ll send you a notice warning you that we’ll suspend your insurance coverage and/or your driver’s licence if we don’t receive your payment. Even if you haven’t received a notice from us, Section 92 of The Drivers and Vehicle Act gives us the right to suspend your insurance and/or driver’s licence when you haven’t paid on time.

If we suspend your insurance and/or driver’s licence because you’ve missed a payment, you can’t pay by instalments until your next anniversary day. If you’re suspended for a second missed payment within three years, you can’t pay by instalments until one year after your next anniversary day.

When to pay

Each year, we’ll notify you by mail, telling you when your payments are due. If you’ve moved, remember to change your address at an Autopac agent immediately to help ensure you receive your payment reminders. If you don’t receive your statement, it’s still up to you to keep track of your due dates and to pay on time.

Four payments

If you’re on the four-payment plan, your payments are due in a 2-5-8 pattern, as follows:

First payment:

on your anniversary day

Second payment:

2 months after your anniversary day

Third payment:

5 months after your anniversary day

Fourth and final payment for the year:

8 months after your anniversary day

Your anniversary day is the day four months after your birthday.

12 payments

If you’re on the 12-payment plan, you pick the automatic withdrawal date when you set up the agreement. We’ll then take the payment by direct withdrawal on the same day each month – in equal instalments.

If you mail your payment, please note that you’re responsible if it arrives late or doesn’t arrive at all. Make sure you send the cheque a few weeks ahead of time to avoid late fees, as we must receive the cheque on or before the date it’s due.

Motorcycle, snowmobile and ORV coverage

You can pay for your motorcycle, snowmobile and off-road vehicle (ORV) coverage in full with cash, cheque, debit, VISA or MasterCard when you apply. You have the option of deferring the insurance portion of your payment until the start of the riding season, and you can also finance your premiums by paying monthly during the season of use.

Riding seasons are:

Snowmobiles: Dec. 1 to Mar. 31
Motorcycles and ORVs: May 1 to Sept. 30
ATVs: Jan. 1 to Dec. 31

If you choose to defer paying your premium until the start of the riding season, you can pay in person at an Autopac agent, with VISA or MasterCard at mpi.mb.ca, or through your financial institution.

Please remember: a delay of a few business days may occur from the time you make an online or telephone payment to when we receive it. You’ll need to make your payment early enough to ensure we get it on time.

Your Autopac coverage protects you in Canada and the United States. Coverage is divided into three parts:

  1. Personal Injury Protection Plan (PIPP) for all Manitoba residents.
  2. All Perils coverage for accidental damage to your vehicle.
  3. Third-Party Liability coverage, which protects you against claims others may make against you. When you drive outside Manitoba, even if only for one-day or weekend trips, it’s important to keep your third-party liability coverage limit as high as possible. Liability claims, especially in the United States but also in some Canadian provinces, can run into the millions of dollars. You can buy additional third party liability coverage, up to $10 million, at a very reasonable cost.

If you are in a collision while outside Manitoba, follow these steps.

Renewing Autopac

Some Manitobans travel outside Manitoba for extended periods and may be away when it’s time to renew. If this is your situation, talk to your Autopac agent before leaving Manitoba. Your agent can make special arrangements to ensure your coverage continues while you’re away.

Travelling in Mexico

While your vehicle is in Mexico, your Autopac coverage is invalid.

Refund

If you use your vehicle in Mexico for longer than 14 days, we’ll refund your Autopac premium for the period beyond 14 days.

To get your refund, you’ll need to prove when your vehicle entered Mexico and when it left.

You’ll need these two documents:

  • A Vehicle Importation/Tourist Card and a Foreign Insurance Certificate.
  • A copy of your Exit Visa or your stamped passport.

With these documents, please apply for your refund at our Customer Service Centre, 234 Donald Street (cityplace), or by mail:

Manitoba Public Insurance
Box 6300
Winnipeg, Manitoba R3C 4A4

Purchasing travel health insurance

Medical care in the United States is especially costly. Manitoba Health alone may not provide sufficient protection for general medical care.

Check with Manitoba Health to confirm what general medical and health coverage it provides while you’re travelling. If you need more coverage, you can usually buy it through a travel agent or insurance broker.

In addition to commercial coverage options, our Special Risk Extension (SRE) options include some non-commercial extension products.

Sound equipment

If your aftermarket sound or communications equipment exceeds $1,000 in value, consider purchasing additional coverage to protect your investment. Aftermarket equipment is equipment you had installed after you purchased the vehicle, not factory installed items.

Keep in mind the equipment covered under this policy must be permanently mounted in your vehicle. Some restrictions apply.

Income replacement

Income Replacement Indemnity (IRI) Extension coverage protects income beyond $115,000 (in 2024/25), up to a chosen limit, that is lost because of a disabling injury. This coverage adds to the IRI coverage all Manitobans have through the Personal Injury Protection Plan (PIPP).

You should consider it if you earn more than $115,000 annually and don’t have other disability insurance – through your work, for example.

IRI Extension allows you to extend your maximum limit on gross yearly income beyond the limit under PIPP. Like PIPP, it covers 90 per cent of your net income, with a seven-day waiting period. Compensation is based on proven lost income, just as it is under PIPP.

IRI Extension adds protection in two other areas affected by gross yearly income:

  • Fatality payments: IRI Extension coverage will mean higher payments to your spouse, common-law partner or if you’re a single parent, your dependants, if you’re killed in an auto accident. These payments are calculated using your extended IRI coverage, rather than PIPP’s limit.
  • Retirement Income Benefit: If you qualify for a Retirement Income Benefit, your payments may be greater because the calculation uses your extended IRI coverage rather than PIPP’s limit.

You can buy in increments of $10,000. The cost is $20 per increment, with a minimum policy premium of $50. You can buy up to $200,000 over the PIPP limit. However, remember: your income replacement is still based on actual income you’ve lost.

Manitoba Public Insurance is the one-stop source of insurance, registration and licensing in Manitoba. If you are new to Manitoba, you should follow the steps listed below if you wish to register and insure vehicles in Manitoba.

1. Get a claim history letter from your previous insurer. This letter may help you receive a premium discount based on your driving record.

2. Get your Manitoba driver’s licence before buying your Autopac insurance or you can’t qualify for a premium discount. You must get a Manitoba driver’s licence within three months of moving to Manitoba. Of course, if your driver’s licence from the place you left is about to expire, you must get a Manitoba licence right away. You need a valid driver’s licence to drive in Manitoba.

Young drivers who have moved to Manitoba need to know a few special rules. You can apply for a Class 5 Learner driver’s licence if you’re 15.5 years old and you’re enrolled in our Driver Z high school driver education course. If you’re not enrolled in this course, you’ll have to wait until you’re 16. Remember that with a Class 5 Learner Stage licence you can only drive with someone who has held a Class 5 Full Stage driver’s licence for at least three years.

3. If your vehicle doesn’t have a valid Certificate of Inspection (COI) proving it’s safe, get your vehicle inspected at an authorized inspection station. To register your vehicle here, it must have been awarded a “Passed” grade on the COI. It’s illegal to drive your vehicle here if it has failed the inspection.

4. If your vehicle has a valid COI from your former home, you may be able to use it to register your vehicle here. Contact us to find out if your COI is valid in Manitoba.

5. Buy your Autopac insurance. You have up to three months to transfer your current registration and insurance to Manitoba if:

  • it’s privately owned
  • it’s a passenger car or truck not used commercially

Otherwise, you must register here immediately. Also, if your registration and insurance from your former home expires or is cancelled within three months of moving to this province, you must register here immediately.

Please note: Eligible commercial vehicles registered in other western provinces may be operated in Manitoba with registration reciprocity for up to 90 days per calendar year.

New vehicle protection

If your new vehicle is written off, Basic Autopac will cover the cost of the vehicle’s actual cash value, or its value after depreciation. That means you could be left with a vehicle loan for more than your vehicle’s value or you’ll have to spend more money to replace the new vehicle you just purchased.

With New Vehicle Protection insurance, which covers new and late-model used vehicles, the full purchase price of your vehicle is protected, including an allowance for inflation. So if your new vehicle is in a collision and you need to replace it, you won’t have to spend more money towards the purchase.

For brand new vehicles, coverage protects you for two years. For late-model used vehicles, the coverage lasts until the vehicle is two-model-years-old.

Once coverage expires, you cannot buy this coverage again unless you buy another new vehicle.

Coverage

With New Vehicle Protection, the insured value includes the purchase price of your vehicle, accessories, pre-delivery inspection and sales tax, plus an allowance for inflation. The value is calculated using your bill of sale.

When you purchase your new vehicle, make sure the seller/dealer includes all accessories and options on your bill of sale, including taxes, fees and trade-in value. Only accessories and options listed on your bill of sale are covered. Any accessories or options not listed on the bill of sale or added after purchase are not included in your vehicle’s insured value.

With New Vehicle Protection, these items are not covered:

  • any GST you paid (but you’ll get a GST credit when you buy a replacement vehicle)
  • any amount you still owe on your trade-in
  • any amount you paid for warranties, insurance or service contracts
  • any rebates, cashbacks or dealer incentives

If your vehicle is worth more than $70,000, you’ll also want to purchase Excess Value Coverage. Ask your Autopac agent for details.

Motorcycle and moped customers should contact their Autopac agent to ensure they qualify for full coverage.

What qualifies?

Most privately owned, new and late-model cars, SUVs, light trucks, motorcycles, mopeds and motor homes qualify. The vehicle must be either brand new or, a used vehicle no older than one-model-year. Vehicles used commercially, except for vehicles for hire, are not eligible. Talk to your Autopac agent to see if your vehicle qualifies.

For brand new vehicles, you have 60 days to buy New Vehicle Protection from when you first register and insure the vehicle. For used vehicles, you have 60 days from the date you buy the vehicle.

Purchasing

You can buy New Vehicle Protection when you purchase Basic Autopac coverage for the vehicle. Bring your bill of sale to any Autopac agent and the agent will confirm your purchase price and sale date.

Leased vehicle protection

If your leased vehicle is written off, Basic Autopac will cover the actual cash value of the vehicle at the time of loss. However, most leased vehicles are legally owned by the dealership or leasing company, so if it is written off, you personally won’t receive any financial compensation.

Leased Vehicle Protection covers your down payment and/or trade-in allowance. For brand-new vehicles, it protects you for two years. For late-model used vehicles, the coverage lasts until the vehicle is two-years-old.

After the term expires, you cannot buy this coverage again unless you lease another vehicle.

What qualifies?

Most leased, new and late-model cars, SUVs, light trucks, motorcycles, mopeds and motor homes qualify. The vehicle must be either brand new or, if used, no older than one model year. Vehicles used commercially, except for vehicles for hire, are not eligible. Talk to your Autopac agent to see if your vehicle qualifies.

For brand-new leased vehicles, you have 60 days to buy Leased Vehicle Protection from when you first register and insure the vehicle. For used vehicles, you have 60 days from when your lease starts.

Purchasing

You can buy Leased Vehicle Protection when you purchase your Basic Autopac coverage for the leased vehicle. Bring your lease agreement to any Autopac agent and the agent will confirm the amount of your down payment and/or trade-in allowance.

Protection for motorcycles

There are some differences in coverage for motorcycles. Basic Autopac coverage for passenger vehicles includes all-perils coverage, however Basic Autopac for motorcycles and mopeds is limited to collision and upset protection. New Vehicle Protection and Leased Vehicle Protection are dependent on the other Autopac coverage you have on your motorcycle.

  • If your motorcycle is insured with Basic Autopac only: New or Leased Vehicle Protection will only apply if the motorcycle is written off in a collision or by upset.
  • If your motorcycle is insured with Basic Autopac and comprehensive motorcycle coverage: New or Leased Vehicle Protection will apply if the motorcycle is written off in the event of a collision, upset or other loss resulting from a peril covered by your comprehensive insurance.

New Vehicle Protection or Leased Vehicle Protection are not a replacement for comprehensive coverage. Contact an Autopac agent to ensure your motorcycle qualifies for full coverage.

Basic Autopac all perils coverage for motorcycles and mopeds is limited to collision and upset protection up to the declared value, to a maximum of $70,000 including taxes.

Motorcycle Extension provides you with a number of coverage options including protection against fire, theft, and vandalism. Some restrictions may apply. Special situations may require application through Special Risk Extension (SRE). Ask an Autopac agent for details.

Motorcycle Extension provides these benefits:

  • Increased third-party liability: Basic third-party liability coverage insures you up to $500,000. Autopac options are available to increase your third party-liability protection up to $10 million. For more information see Increased Third Party Liability Limits.
  • Collision coverage: For collision coverage, you can keep your Basic $750 deductible or choose a $500, $300 or $200 deductible option. The $300 and $200 options reduce to nil for collision with an animal.
  • Comprehensive coverage: Comprehensive coverage options provide protection from accidental losses including fire, theft or windstorm. You can choose a $200 or $500 deductible. With this coverage you do not have to pay the deductible if your motorcycle is stolen. If you have the $200 deductible, your deductible reduces to nil if your motorcycle is vandalized.

You can buy comprehensive and collision coverage together or separately.

Other coverages

If your motorcycle is essential to your business or daily life, you should consider buying additional Loss of Use coverage to make sure you’re never left without a vehicle.

If your motorcycle is worth more than $70,000 consider getting Excess Value Coverage.

New and Leased Vehicle Protection are available for new and late-model motorcycles.

Before you move

Check the vehicle registration and insurance, and the driver licensing rules in your new jurisdiction, even if your vehicle stays in Manitoba.

You may have to register and insure your vehicle and/or obtain a driver’s licence shortly after you arrive. It is your responsibility to ensure you comply with the rules in your new jurisdiction.

Request for Claims Experience and Driver Abstract

Your new insurer may ask you for a written record of your claims experience and/or driver abstract in Manitoba. Please see information on Driver Abstracts and Claims Experience Letters.

Claims Experience letter

It contains a history of any at-fault claims made to Manitoba Public Insurance within the last 10 years. Out-of-province jurisdictions use it to consider a reduction in insurance premiums. The cost is $15.

To arrange for a claims experience letter using a VISA or MasterCard credit card, call our Contact Centre at 204-985-7000 or toll free 1-800-665-2410. You can also visit a Manitoba Public Insurance Service Centre in person to request and receive your letter, or mail in your payment (certified cheque or money order) to:

Manitoba Public Insurance

Basic Autopac Services

510-234 Donald Street

PO Box 6300

Winnipeg, MB R3C 4A4

Driver Abstract

It contains information on the driver’s record including any driving convictions, suspensions, cancellations, at-fault accidents, or prohibitions. This letter is usually requested by employers for new employees to check their conviction history. The cost is $10.

To arrange for a driver abstract, visit an Autopac agent to complete a request, or visit a Manitoba Public Insurance Service Centre in person to complete a request and receive your abstract.

You can also complete the form online and fax your request and credit card payment information to 204-985-8105, toll free at 1-866-317-3267, or mail your request and payment (certified cheque, money order, or credit card information) to:

Manitoba Public Insurance

Driver Record and Suspensions

PO Box 6300

Winnipeg, MB R3C 4A4

Your Autopac coverage ends when

  • You are required by law to register your vehicle in your new jurisdiction, or
  • You register your vehicle in your new jurisdiction, or
  • Your Autopac coverage expires or you’re suspended for nonpayment.

Your Manitoba Driver’s Licence and Autopac Coverage

If you are in a reassessment year or are paying by 12 or 4 payments, you must continue your payments unless you cancel your driver’s licence and/or policy. Simply stopping payment with your financial institution or not paying an installment does not cancel your registration and insurance or driver’s licence.

This may result in the suspension of your driving privileges in Manitoba and potentially your driver’s licence in your new jurisdiction.

Once you have obtained a driver’s licence and registered your vehicle outside of Manitoba, send a copy of your new licence and vehicle registration documents and fill out this signed form requesting we cancel your driver’s licence and Autopac coverage.

Remember to include your current phone number, mailing address, your Manitoba driver’s licence number, or your Manitoba Public Insurance customer number to the Basic Autopac Special Services address above. You can also fax the information to Basic Autopac Special Services at 1-877-776-9060.

Once received, we will backdate the cancellation to the effective date of your documents. If the cancellation results in a refund, it will be mailed to you at the address you provided.

Keep the Transfer of Ownership Document (TOD) portion of your Manitoba registration as proof you own the vehicle.

See more information about cancelling a licence and cancelling a policy.

Please Note: While driving in other jurisdictions, you must obey the laws of those jurisdictions. The laws in other jurisdictions may entitle another person to sue you for injuries or property damage. Even though you may still have Autopac that includes third party liability coverage, it may not be adequate if you are sued. Ensure you have sufficient third-party liability coverage before leaving Manitoba

View a printable version of this information.

To operate a vehicle on the roadway in Manitoba you must have a valid vehicle registration and Autopac insurance. Find information on registration, licence plates, vehicle inspections and buying or selling a vehicle on the Registration page.

Manitoba Public Insurance offers you a variety of automobile insurance options:

  • Autopac – Basic (required): Includes personal injury insurance, all-perils insurance and third-party liability insurance.
  • Autopac – Options: You can choose to enhance your Basic insurance by adding one of our many insurance options. Some of our most popular insurance options allow you to increase your third-party liability limits and reduce your deductibles. You can also purchase insurance for rental vehicles, new or lease vehicles, or Excess Value Coverage for high-end vehicles.
  • Commercial Coverage: Our Special Risk Extension (SRE) products provide insurance for specialized risks – things like large commercial trucking fleets and garage risks.

You can purchase your Autopac insurance through our province-wide network of more than 300 independent Autopac agents.

How insurance protects you

Insurance spreads the cost of claims among many people so no one has to face the cost of a claim alone. For one person, the costs from an accident could cause bankruptcy. Spread among many people, the costs become affordable.

Automobile insurance protects you in three broad categories:

  • Personal injury insurance (protection against personal bodily injury, loss of life or loss of income)
  • All-perils insurance (comprehensive protection against damage to your own vehicle as a result of an insured collision, vehicle upset or causes such as vandalism, theft, hail and fire)
  • Third-party liability insurance (protection against your obligation to pay if you’re legally liable for someone else’s injuries, death or damage to their property)

Short-term Autopac

Do you need Autopac insurance and vehicle registration for as short as 30 days or as long as 244 days?

If you own a motorhome or classic sports car that you use for only a few months at a time, short-term Autopac insurance and vehicle registration might be a good choice.

  • Your premium is based on the number of days in your policy, times your daily Autopac premium, plus five per cent of that amount.
  • A $15 application fee per policy applies (non-refundable).
  • Payment in full only.
  • No refunds are available for short-term policies issued for 30 days and then cancelled.

More Information

Your insurance covers many situations, but not all. It’s important to know what is not covered under your policy, and in what situations coverage may be denied.

Basic all-perils

Basic all-perils coverage insures your vehicle and any permanently attached equipment against accidental loss or damage in Canada or the U.S. You pay the deductible and any depreciation – your Autopac coverage pays the rest. All perils coverage includes coverage for collision and upset. It also covers accidental damage other than from collisions, including vandalism, theft, flooding, hail, storms, fire and explosions.

All perils coverage does not cover:

  • the contents of any vehicle or trailer, such as tools, clothing or a camera
  • loss or damage caused by:
    — mechanical failure or the breakdown of any part
    — rusting, corrosion, freezing, or explosion within the combustion chamber, unless the damage was caused by something that your Autopac covers, such as collision, fire, theft or vandalism
  • tires, unless the damage is from a crash, fire, theft or vandalism (not simple road punctures)
  • tapes, CDs and equipment separate from the tape/CD player installed in the vehicle
  • loss or damage to a slide-in camper unit equipped with living accommodations which is mounted on or is off the vehicle
  • loss or damage caused by the theft of the vehicle if the person who stole it lives in the same home or is an employee of the insured person
  • loss or damage from people either stealing, or improperly taking ownership of a vehicle through a conditional sales contract, lease or similar agreement
  • automobiles registered as antiques
  • semi-trailers
  • vehicles operated under a Single Trip Registration Permit
  • loss or damage resulting, directly or indirectly, from a nuclear energy hazard
  • loss or damage from acts of war or terrorism
  • loss or damage if you gave away your vehicle voluntarily
  • loss or damage to: Government of Canada vehicles, vehicles owned by other countries, or any fire department vehicles owned by any government or municipality
  • loss or damage over $1,000 to non-factory installed sound and electronic communications equipment, permanently attached to your vehicle

Vehicles not covered by all perils

Some vehicles don’t have all perils coverage through Autopac. These vehicles are:

  1. Common carrier buses.
  2. Trucks and truck tractors with a gross vehicle weight over 16,330 kg, except drive-away units, farm trucks, fisherman’s trucks, and dealer-plated s and repairer-plated* vehicles.
  3. Regulated vehicles not for compensation with a gross vehicle weight over 5,499 kg and regulated vehicles for compensation of any gross weight, operated more than 161 km outside Manitoba.
  4. City of Winnipeg transit buses.

These vehicles may qualify for special risk protection through Manitoba Public Insurance or other insurers. Semi-trailers with lifetime licence plates have no coverage at all through Autopac.

*collision or upset only

Denial of all perils coverage

To ensure your all perils coverage is valid, you must follow the conditions of your policy.

Under the Graduated Driver Licensing (GDL) Program, you need to be especially cautious lending your vehicle to any new driver. Anyone in the GDL Program who breaks the rules of the program is not authorized by law to drive. Your Autopac won’t cover you if you lend your vehicle to any driver who isn’t authorized by law to drive. Find out more about the rules for drivers in the GDL program.

Your all perils coverage may be refused if the damage or loss occurred when:

  • Someone was driving without being qualified and authorized by law to drive (for example, an unlicensed driver).
  • Someone was driving the vehicle with a suspended driver’s licence or couldn’t drive because of a court order.
  • Someone under 16 was driving the vehicle without holding a valid learner’s permit or wasn’t following its rules.
  • The driver was impaired.
  • The vehicle was being used for an illegal trade or to transport items against the law (for example, the vehicle was being used to smuggle cigarettes or to carry explosives without proper identification and safety precautions).
  • The vehicle was in a speed test or motor race.
  • An unregistered trailer was attached to the vehicle when the law requires the trailer to be registered.
  • The collision occurred when fleeing from the police.
  • The vehicle was being used for something prohibited by The Highway Traffic Act, The Drivers and Vehicles Act, or a vehicle-for-hire bylaw of a municipality.
  • The vehicle is being used differently than declared on the application for insurance (for example, when you’ve said the vehicle is only being used for pleasure driving when most of the time it’s being used for your business).
  • The person claiming doesn’t identify who was driving the vehicle at the time of the loss or damage.
  • The vehicle owner failed to take reasonable precautions to protect the vehicle from rodent damage.
  • Sometimes the vehicle’s owner and driver aren’t the same. In that case, the owner may be entitled to all-perils coverage if he or she didn’t knowingly allow the vehicle to be driven by the person described in all the bullet points above, except the last one.

Third-party liability

Third-party liability coverage doesn’t always protect you. To ensure your third-party liability coverage is valid, you must follow the conditions of your policy. You aren’t covered:

  • For damage your vehicle causes to property you own or rent or that you have in your care or control (for example, you won’t be covered if your car damages your boat parked in your driveway for the winter, although your homeowner’s insurance policy may cover the damage).
  • For loss or damage to other people’s property in or on your vehicle (for example, a borrowed canoe attached to the roof of your vehicle).
  • For loss or damage occurring through the use of machinery or equipment mounted on or attached to the vehicle while the vehicle is parked at a work site (for example, damage caused by a truck that is parked and spraying insecticide to control mosquitoes).
  • If your vehicle was being driven by someone who’s in the business of repairing, servicing, storing or parking vehicles (for example, a repair shop employee test-driving your car before or after servicing it), or who’s an automobile dealer and that person wasn’t your employee or partner.
  • For loss or damage to your employee who’s injured operating or repairing your vehicle.
  • For loss or damage from criminal activity.
  • For liability imposed by any workers’ compensation law.
  • For liability for damages from injury, death or damage to property due to a nuclear energy hazard.
  • If you’re operating a Government of Canada vehicle.
  • For your own injuries or death – this coverage is for claims others may make against you.
  • If you’re operating a regulated vehicle, not for compensation, with a gross vehicle weight of over 5,499 kg more than 161 km outside of Manitoba, or a regulated vehicle, for compensation, of any gross vehicle weight more than 161 km outside of Manitoba.
  • If you’re operating a municipal or other government-owned fire department vehicle.
  • If you’re using a Single Trip Registration Permit.
  • For loss or damage caused by a semi-trailer.
  • For liability for damages from injury, death or damage to property from unsanctioned activities or events held on a closed track or location.

See more information about third-party liability coverage, including situations where your coverage can be denied.

PIPP

The Personal Injury Protection Plan (PIPP) doesn’t cover injuries caused by or through:

  • Maintaining, repairing, altering or improving a vehicle.
  • An animal carried in, or on, or forming part of the load of the vehicle. (For example, a pedestrian bitten by a dog in a car is not entitled to PIPP coverage.)
  • A device mounted on or attached to the vehicle, that can be operated independently, if the vehicle was standing still when the accident happened. (For example, a bystander accidentally sprayed by insecticide being applied from a parked truck.)
  • Off-road vehicles – such as snowmobiles, dirt bikes or ATVs – or other non-automobiles such as garden tractors, unless the accident was with a moving automobile.
  • A vehicle that doesn’t have to be registered under The Drivers and Vehicles Act, such as motorized mobility aid (electric wheelchairs), agricultural equipment or infrastructure equipment, unless the collision was with a moving automobile.
  • An unsanctioned activity or event held on a closed track or location.
  • The injured person’s deliberate actions. In that case, neither the victim nor their dependants receive injury compensation.
  • The deliberate actions of the injured person’s dependant. In that case, the dependant isn’t entitled to compensation.
  • A trailer detached from an automobile.

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?

We head out to Lake of the Woods almost every weekend. Additional TL coverage gives me peace of mind that my family and I are protected outside of Manitoba

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. You can get Autopac coverage to increase your third-party liability protection to $1 million, $2million, $5 million, $7 million or $10 million.

You can also get higher liability limits through Special Risk Extension 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.

Garage policies provide varying levels of coverage for physical damage to owned vehicles, legal liability physical damage for customers’ vehicles, and third-party liability.

These coverages are available to the following types of businesses:

  • Automobile Dealer and Repair Garage: A business primarily engaged in selling and repairing automobiles and motorcycles.
  • Farm Implement or Off-Road Dealer: A business primarily engaged in selling or repairing farm implements or off-road vehicles.
  • Automobile Repair Garage: A business primarily engaged in repairing automobiles and motorcycles.
  • Automobile Service Station: A public gasoline or oil supply station and/or a public service station providing the services of:
    — washing, filling and lubrication, battery, ignition, spring and tire repairs but no engine or body repairs
    — the selling or servicing of incidental automobile parts and accessories, including the calling for and delivery of customers’ automobiles
    — an automatic car wash
  • Automobile Storage Garage: A business primarily engaged in the business of storing, parking, washing and cleaning automobiles.
  • Automobile Open Air Parking Lot: A business primarily engaged in storing, parking, washing, calling for and delivery of customers’ automobiles.

See more information about commercial insurance options, or contact your insurance agent for more information.

If you rely on your vehicle daily, additional Loss of Use coverage can make your life easier. It covers the cost of replacement transportation if your vehicle can’t be driven, or is unsafe to drive, because it was stolen or damaged accidentally, regardless of fault. It is available for each claim you have where your vehicle is not driveable or needs repairs.

There are two Loss of Use options available:

  • Loss of Use – Passenger Vehicle is useful for anyone who may need a replacement car, light truck or SUV if their vehicle is stolen or damaged accidentally. It allows you to rent a vehicle comparable to your current vehicle, subject to availability. This option provides coverage of $50/day plus tax (or $56 after tax) to a maximum of $1,500 plus tax (or $1,680 after tax).
  • Loss of Use – Motorcycle is only available to customers with a motorcycle or moped policy and is suitable for renting a motorcycle, moped or full-size vehicle. This option provides coverage of$118.80/day plus tax (or $135 after tax) to a maximum of $3,564 plus tax (or $4,050 after tax).

How it works

Your coverage starts when you do not have access to a driveable vehicle:

  • If your vehicle is damaged and driveable, coverage begins when you deliver your vehicle for repairs and ends when repairs are finished or you reach your coverage limit.
  • If your vehicle is damaged and undriveable, coverage begins immediately and ends when repairs are finished, your adjuster offers you a settlement for your vehicle or you reach your coverage limit.
  • If your vehicle is stolen, coverage begins at 12:01 a.m. the day after you report to us or the police. Coverage ends when your vehicle is repaired, when you get your vehicle back undamaged or when you reach your coverage limit.

Coverage applies to rentals from a company whose business is renting vehicles. It does not apply to rentals from friends, family or other private persons. Some rental companies have age, credit card or driver-licensing requirements for renting their vehicles. You must still meet these requirements when renting a vehicle with a Loss of Use policy. Your Manitoba rental vehicle will have the same Basic insurance as any other Manitoba rental vehicle. You can buy Rental Vehicle Insurance or buy the extra insurance offered by the rental company. Your credit card may also offer insurance.

Coverage can also be used to pay for vehicle-for hire or bus fares.

Our Special Risk Extension department maintains an extensive Fleet Safety Program, designed to work with you to help raise your company’s level of safety awareness.

An on-site visit from our fleet safety specialists, as part of our Fleet Safety Program, can help you identify ways to improve how you do business. Various aspects of your operation will be thoroughly reviewed, ranging from management to driver selection to maintenance and road-safety programs. Loss trend analysis is also conducted to identify potential areas of concern.

The fleet safety representative will work with you to develop an effective road-safety program designed to:

  • reduce accidents
  • reduce operating costs
  • improve customer retention
  • decrease cargo claims

Vehicle Inspection Trailer

The Vehicle Inspection Unit (VIU) is a mobile state-of-the-art diagnostic unit designed to promote safer vehicles on our roads and highways.

The VIU provides on-site vehicle brake and suspension inspection service for semi-trailer tractor units, trailers, buses, and other large highway vehicles. It collects safety data from a series of tests on the braking system, steering suspension, axle weight, and brake-line air pressures, and provides an analysis of the vehicle’s braking system.

A detailed safety print-out helps fleet owners identify trouble areas before they become dangerous problems.

SRE’s vehicle inspection unit is the only portable inspection trailer currently provided by an insurance company. This service is free to SRE fleet customers, and many clients are making it part of their regular safety program.

The VIU inspects two key areas for safety: brakes and suspension.

A heavy-equipment service representative (certified transport truck mechanic) will assist your driver in maneuvering your tractor or trailer onto the test bed.

The VIU tests braking capacity by driving the tires with a set of rollers. When your brakes are applied, the equipment measures, records and graphs their capability.

Each axle undergoes a variety of tests including diagnostic static and dynamic brake tests, roll resistance, axle weight, and brake-line air pressure. The VIU compiles the data and prints the results.

We also visually inspect the front axle, steering components and suspension systems. Your driver or maintenance manager receives the test results.

The VIU’s diagnostic equipment is fully transportable – we can bring it to you.

Contact us

The VIU can help you improve your bottom line by ensuring that safer trucks and trailers are on the road and by reducing maintenance down time.

To book an appointment, call our heavy-equipment service representative at

1–204–985–1631 (office)

1–204–799–2536 (cell)

Maximum insured value is the maximum limit payable under Basic Autopac for loss or damage to a vehicle. The Basic maximum insured value for a passenger vehicle, truck, or truck tractor is $70,000, including taxes (for policies with an effective date of April 1, 2021, or later).

Customers with vehicles valued over the maximum insured value may wish to purchase Excess Value coverage to ensure they are reimbursed for the actual cash value, should an insurable loss occur.

If Excess Value coverage is purchased, the maximum insured value is increased to the new limit purchased. Excess value coverage is not a guaranteed value. The value of the claim is limited to the actual cash value up to the amount purchased.

Certain types of vehicles are eligible for Excess Value coverage options. See an Autopac agent for details.

Basic all-perils coverage insures your vehicle and any permanently attached equipment against accidental loss or damage in Canada or the U.S. You pay the deductible and any depreciation – your Basic Autopac coverage pays the rest.

Coverage

It covers damage from:

  • collision
  • “upset” (your vehicle tips or rolls over)
  • other causes (the insurance term is “comprehensive”), such as vandalism, theft, hail, and fire.

If your vehicle is damaged accidentally but not a write-off, your all-perils coverage pays for repairing it to its pre-accident condition.

For instance, if your vehicle is five years old and its fender needs to be replaced after a collision, we’ll try to find a recycled fender from the same model vehicle for the same year. When parts need replacing, the options range from using recycled parts to brand new factory-manufactured parts. Which of these options we choose depends on the vehicle’s age and condition. You can be sure that all parts we use meet equally strict standards of quality.

Sometimes, it isn’t practical or even safe to use a replacement part that’s equal in value to the one damaged in the accident. For example, it’s better to replace worn-out tires with new ones. In these situations, we’ll give you a brand new part, but you’ll have to pay for some of it. You pay for how much the damaged part had worn before the accident – called depreciation.

Depreciation: The value something has lost just through wear and tear. Similarly, if your vehicle is a write-off, it’s insured for its actual cash value – not brand new replacement – up to its maximum insured value.

Actual cash value: Autopac covers the loss or damage to your vehicle based on its actual cash value when the collision happened. Your vehicle’s actual cash value is its fair market value immediately before it was damaged. We determine your vehicle’s actual cash value by independent market surveys, taking into account its year, make, model, kilometres driven and overall condition. Keep your receipts for recent repairs because these may increase your vehicle’s value, depending on the repairs. Keeping recent pictures of your vehicle on hand also makes sense. The pictures may help us assess your vehicle’s condition in case it’s stolen or destroyed.

Maximum insured value: $70,000, including taxes, is the most any car, truck, motorcycle, moped, motorhome, trailer, bus or prototype vehicle is insured for under Basic Autopac. (Some vehicle types are limited to a declared value, which may be substantially less than $70,000.) If your vehicle is worth more than $70,000, including taxes, you’ll need Excess Value Coverage to cover the amount over the $70,000 limit.

Loss of use coverage

With Basic Autopac, you automatically get some protection against loss of use if your vehicle is stolen or accidentally damaged.

Stolen vehicles

Basic Autopac covers some of the costs of using other transportation when your vehicle has been stolen. We’ll pay you reasonable expenses for taking vehicles for hire, using public transportation or renting another vehicle. As of July 1, 2024, the limit is $56 per day to a maximum of $1,680, including all taxes. (Coverage limits subject to change. Motorcycle and moped customers should contact an Autopac agent to ensure they qualify for full coverage.)

This protection starts 72 hours after you report the theft to us or to the police. This Loss of Use coverage ends when your vehicle is repaired, when we offer you a settlement or when the coverage maximum is reached ‒ whichever comes first.

Please phone your adjuster promptly after the police have notified you that they’ve recovered your vehicle.

Coverage applies to rentals from a company whose business is renting vehicles. It does not apply to rentals from friends, family or other private persons.

Damaged vehicles

If your vehicle has been damaged in a collision that is the fault of another Autopac-insured motorist, you may have a claim for replacement transportation expenses. You have to prove that you needed to pay for other transportation and that you did your best to minimize these costs.

You must choose the least expensive, most reasonable transportation option. For example, you should use public transportation and vehicles for hire, unless renting a vehicle would be less costly. If you own a second vehicle, you should use it instead of your damaged one.

You must keep your expenses to a minimum because the at-fault motorist is responsible only for your expenses that are strictly necessary.

Loss of use options

If your vehicle is essential to your business or daily life, consider buying additional Loss of Use coverage. This coverage pays for the reasonable costs of other transportation, even if you’re responsible for the collision. It also reduces your waiting period if the vehicle was stolen.

Motorcycle and moped coverage

Basic Autopac all-perils coverage for these vehicles is limited to collision and upset protection up to the declared value, to a maximum of $70,000 including taxes. Upset protection covers you if your vehicle tips over and is damaged.

Autopac options are available to protect your vehicle against fire, theft and vandalism, and to insure your vehicle for any value beyond the maximum insured value. You can also reduce your deductibles and increase your liability coverage. See more information on Motorcycle Extension insurance.

Ask your Autopac agent for more information on these Autopac options. Some restrictions may apply. Unusual situations may require a special risk application.

Basic sound and electronic coverage

The Basic coverage limit is $1,000 for any combination of non-factory-installed audio, video and electronic communications equipment permanently attached to your vehicle.

The $1,000 limit applies to all the costs associated with a claim. This includes the actual cash value of the equipment, the value of the media inside the equipment, installation costs and applicable taxes on the replacement equipment. You may want to buy special risk coverage if your non-factory sound and electronic communications equipment has an actual cash value of more than $1,000.

Points to remember

Factory equipment

The $1,000 limit doesn’t apply to factory-installed equipment. Factory-installed sound equipment is insured for its depreciated value, with no maximum.

Keep your receipts

It’s crucial to have the original purchase invoices from the retailer for your non-factory sound equipment. With your receipts, we’ll confirm the current replacement cost of the stolen equipment and apply depreciation based on how old it was. With no receipts, you get a pre-set allowance only. By examining your vehicle, we can tell if the stereo you had was either entry-level or higher-value. That’s how we determine which pre-set allowance applies to your claim.

Allowances for non-factory equipment (with no receipts)

Entry Level

Higher Value

Cassette/CD player/DVD player

$150

$ 250

Speakers (per pair)

$ 50

$ 80

Amps/equalizers

$ 50

$ 75

CD changer

$ 125

$ 175

Depreciation

Depreciation applies, according to the age of your stereo equipment:

Up to 1 year old:

0%

1 to 2 years old:

10%

2 to 3 years old:

20%

3 to 4 years old:

30%

4 to 5 years old:

40%

More than 5 years old:

50%

After depreciation, the minimum allowances are the pre-set amounts for non-factory equipment, with no receipts, shown above.

Remember, your deductible applies too. If your claim is only for stolen sound equipment and not for any other damage, we subtract your deductible from the depreciated, net value of your equipment.

For non-factory equipment, the $1,000 maximum applies after we’ve subtracted your deductible. Here’s an example:

Replacement cost

$1,700

Depreciation (10%)

$170

Net value

$1,530

Less deductible

-$500

Your net payable (coverage maximum)

=$1,000

Coverage denied

To ensure your all-perils coverage is valid, you must follow the conditions of your policy. See more information when coverage is denied.

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