Private Passenger Vehicles
Next, we’ll need to know the usage. Do you drive it to work or school? If so, it’s considered All Purpose usage. If not, then your usage would be considered, somewhat appropriately, Pleasure.
If you use your vehicle to deliver cargo or passengers for the purpose of work or business, Common Carrier usage applies. Unless we’re talking about a public service vehicle such as a bus. And you’d probably know if you were driving one of those.
Once we’ve determined what your correct usage is, we can help advise what kind of coverage is right for your vehicle: the ideal amount of liability, your options for collision insurance and wide variety of other coverage options. You’re probably familiar with comprehensive insurance, but did you know that you can also be insured for things like Loss of Use, Third Party Liability and Layup (no, that’s not so you’re insured against poor basketball skills. It’s for storing your vehicle).
We want to make sure you’re adequately covered without spending any more than necessary. Of course, when it comes to your premiums, things like your driving history will factor in as well.
Of course, this is all just an overview; for a detailed description of the types of vehicle usage, visit the Manitoba Public Insurance website. If you already know your usage, your types of coverage and you’re ready to get down to business, click here to start the Autopac quote process. And as always if you’d rather just talk to a live person, we are always happy to talk to you.
Just like with a car, the first thing we need to do is establish its usage. Is it driven to work or school? Will it be used for a trade, business or occupation? If the answer is No then you’ve got yourself what we like to call a ‘Pleasure Truck’, which is no doubt every bit as delightful as it sounds.
If you do happen to use your beloved beast for work, school or business it’s classified as an All-Purpose Truck. If And if you use your truck for commercial fishing or farmingpurposes, not only are those separate sub-categories, but you’re also probably rugged enough to be cast in a truck ad.
Of course, there’s a bit more to it than this, and we don’t want to bog you down with too much detail here. You can find out everything you need to know about the categories of Pleasure Truck, Commercial Truck, All-Purpose Truck and all other Truck-Related Insurance details here. If you already know enough to get started, click here for your Autopac quote. And if you have questions, feel free to ask us anything. Unless you’re actually interested in being in a truck ad. Can’t help you there; we’re insurance advisors, not talent agents.
Basically, MPI sees motorcycles as a separate vehicle class. They’ve even been kind enough to provide a definition — as if anyone needed one. I mean, haven’t we all seen Easy Rider like a million times (there we go stereotyping again… sorry.) Anyway, for rating purposes, motorcycles are divided into five body styles: Motor Scooter, Sport, Sport Touring, Touring, and Other, which includes Dual Purpose (equipped for both pavement and off-road riding), Custom (choppers, fatboys or anything else that ‘squares’ wouldn’t approve of), or plus any other miscellaneous kind of motorcycle.
Perhaps it’s also no great surprise that the Motorcycle Class includes motorcycles, and also includes things like Mopeds and Mobility Vehicles. But did you know that in addition to Basic Autopac coverage, you can purchase an additional motorcycle extension that provides additional protection without requiring a separate policy? It offers you more choices for increasing liability, reducing your Collision deductible and purchasing Comprehensive.
In Manitoba, there are three factors that determine insurance rates for trailers:
- What kind of trailer you got yourself there, buddy? A trailer’s a trailer, right? Heck no! Trailers range from standard ‘gooseneck’ trailers to tent trailers, tow dollies and beyond. There are also size limits in effect when registering trailers. In fact, there’s a complete list of trailer classifications here, on the MPI website.
- Usage. There’s that word again. Trailers can have all-purpose or commercial uses.
- Value. Trailers fall into two value categories: (1) trailers with a declared value of $2,500 or less, and (2) trailers with a declared value of $2,501 to $50,000. You must declare the value of your trailer when you register it. Optional coverage is available for trailers with a value of more than $50,000.
Just like basic Autopac premiums for off-road vehicles, the premium and registration fee for a trailer valued at $2,500 or less is a flat annual amount. Also MPI recommends that you renew your trailer policy at the same time you renew your other Autopac, so that your trailer’s registered, insured and rarin’ to go when you need ‘er.
Of course, to get all the details about everything to do with trailers, visit the Manitoba Public Insurance website, or click here to start the Autopac quote process if you already know all the nuts and bolts about your trailer. But if you have questions and would like to talk to someone, there’s nothing in the world that our advisors would rather talk about than trailers, so just click here… and we’ll hook you up.
In reality, there are a number of rental car mishaps that could put a serious downer on your roadtrip. Say you’re in an accident in your rental car. Depending on where it happens, the other parties involved could sue you — for property damage or for medical bills. Which could end being pretty expensive. Especially if it happens in the U.S. Enough said there. Then, of course, the rental car company will also hold you personally responsible for the damage to the car. Finally, if your rental car isn’t roadworthy after the accident, you might have to rent another one.
See what we mean? One bummer after another. Unless… you get rental car insurance to make all those problems go away. And sure, you could get it through your credit card, or at the rental car sales counter, but you’ll get better coverage at substantially lower cost if you purchase it from us. And credit cards don’t include the Third Party Liability or Loss of Use coverage that is included with MPI’s rental car coverage. Just sayin’.
You’ll be covered for claims made against you (up to $5 million), for damage to the vehicle (up to $100,000), plus a virtual trunkful of other coverage options for up $25 a day less than you’ll pay at the rental car company.
So before you throw your stuff in the trunk and hit the store to stock up on chips and cheese puffs, contact us and we’ll give you the full lowdown on rental car insurance.Because when you’re on a road trip, whiny kids and/or smelly friends should be the only problems you have to put up with.
Specifically, there are a couple of things you should know:
- Manitoba’s Personal Injury Protection (PIPP) doesn’t cover Off-Road Vehicle (ORV) accidents, unless your ORV happens to collide with a Manitoba registered moving car, truck or other motor vehicle registered for road use. So you’ll need to purchase MPI coverage for your ORV.
- Another huge difference from standard automobile accidents is that others can sue you if your ORV injures them. That’s why you should have extra third party liability coverage. Think of it as a helmet for your bank account.
Plus, Manitoba Public Insurance offers some handy optional extra protection for you and your ORV. It includes options for collision and comprehensive specifically for ORVs. You can even get convenient two-way 3rd-Party Insurance that not only provides coverage for claims made against you, but also in case you are injured by another ORV that is not sufficiently insured.
Plus, Manitoba Public Insurance offers some pretty handy optional extra protection for you and your ORV(s). They provide options for collision and comprehensive specifically for ORVs, plus convenient two-way Third-Party that covers you against claims made against you, and also in case another ORV injures you but doesn’t have sufficient insurance.
And not only does the MPI website provide further details about ORV insurance, they have a pretty comprehensive list of FAQ’s as well. But even they end up recommending that you speak to your Autopac advisor — which is why we have a whole bunch just waiting to talk to you.
Of course, if you’d rather just jump ahead to Autopac, here’s the trail.
Essentially, MPI’s Fleet Program rewards safe driving and vehicle maintenance. The lower the losses MPI pays out in claims against the vehicles in your fleet, the less you'll have to pay for insurance.
To qualify as a fleet, you must have at least 10 vehicles registered (including vehicles under dealer and repairer plates) on the first day of any customer month in your registration period. You must also meet the required minimum number of insured days, and there is a number of exempted vehicles that do not qualify under the leasing program.
In fact, most aspects of the Fleet Program are fairly lengthy and complex, so rather than rehash it all here we’ve provided the following links and contact info:
- To peruse the complete Fleet Program Rate and Surcharge tables for yourself, visit the MPI website.
- To find out if your vehicles qualify as a fleet, contact MPI’s Fleet Unit at (204) 985-7501, (204) 985-7510 or 1-800-406-1886.
Or if you’d prefer, you can contact us here have us and we’ll provide you with all the information you need. If you like, we’ll even address you as ‘Commodore’.
Snoman and Manitoba Public Insurance have teamed up to offer Snopass products through the Manitoba Public Insurance broker network and at Service Centre locations. This makes Snopass products more accessible for customers. Snoman, in turn, uses the proceeds (less broker commissions) to help make the trails more accessible by maintaining and grooming them. Thus, the circle of snowmobiling is complete.
Here's the lowdown on Snopass:
- A Snopass product is required by law in order to use Snoman Trails during the riding season.
- Snopass products may only be sold to the registered owner of a snowmobile with active registration and insurance.
- Minimum coverage of $200,000 Third Party Liability is required.
- There are three types of Snopass products that permit riding on the Snoman Trails:
- Snopass: For Manitoba residents only. Snopasses match a customer’s rating term and renewal cycle for their snowmobile policy. A Snopass holder may use the trails at any time.
- Annual Snopass: For non-Manitoba residents only. Annual Snopasses are only valid for one riding season, from December 1 to April 30 annually.
- 7-Day Temporary Snopass: Available both Manitoba residents and non-Manitoba residents. 7-Day Temporary Snopasses are only valid for seven consecutive days with a start date (effective date) between December 1 and March 31.
In addition, Snoman Trail Vouchers are also available. Similar to a gift certificate, they can be purchased by anyone; however, vouchers can only be redeemed by a registered snowmobile owner who qualifies for a Snopass or Annual Snopass. This product must be redeemed by March 31.
Snopass products are sold through the Insurance Workstation System (IWS) beginning in the 2010/2011 riding season. Please note that Snocard, which was previously offered as a type of discount card, is no longer available.
And that's really all you need to know about Snoman and Snopass. Of course if you have any questions or require any more info, don't hesitate to contact us or check out what MPI has to say. Otherwise, just keep an eye out for low hanging branches. Oh, and while you're out there enjoying those smoother-than-glass Snoman trails, you can feel good knowing that your Snopass helped make them that way.
A Temporary Registration permit provides temporary registration and Basic Autopac coverage for the period of time specified on the permit. Optional extension coverage (reduced deductible and increased third party liability) is available to Manitobans only. If you’d like more information about registering vehicle on a temporary basis, perhaps so that you can pull the SUV out of storage in order to help Aunt Edna move her heirloom china cabinet over to your cousin’s where it will now be taking up permanent residence, feel free to contact us.
Drivers License/ID Cards
Yup. MPI is getting rid of that old standby, the 2-piece Manitoba Driver’s License, in favour of a new 1-piece, made of a highly durable material and featuring a laser-engraved photo and signature. It will contain the same information as the 2-piece while providing improved security and value. Best of all, it will be valid for up to five years under the new Streamlined Renewal Process (SRP).
That’s right! With the SRP, instead of having to make a yearly visit to an Autopac advisor, customers only need to renew in-person once every five years. And while we will miss our annual license renewal visit with you more than words could ever say, we have to admit it will be much more convenient for you.
Although SRP changes how often customers renew, it won’t change how MPI rates products. All policies and driver’s licences will continue to be rated annually. In reassessment years (the years in between renewal years), customers can simply make their payments or allow financing from the previous rating term to continue without having to make an in-person visit.
Of course, if you need more details about the SRP or anything to do with Manitoba Driver Licensing/ID cards, don’t hesitate to contact us or check out what MPI has to say. Now that you’ll only have to renew in person every five years, we’ll take any chance we can get to talk to you.
Get Your Quote (Autopac)
How are insurance rates set?
First, key members of government gather in a candlelit circle. Then someone pulls out a Ouija Board, and…
…just kidding, just kidding. In reality, rates are set by a complex formula that factors in things like the number of insured vehicles in the province, the reserve amount and, of course, the number of claims. The formula is tabulated by computer and interpreted by people who paid attention in Math.
Why do my rates change from year to year, even if my vehicle doesn’t change and I have no tickets or crashes?
Mostly… in a word: claims. The more claims MPI has to process and pay, the greater their cost, and the more they have to charge for premiums the following year. Fewer claims result in lower rates. It’s a cumulative thing, so each and every individual’s driving habits have an impact on the rates we all have to pay. You know those people out there speeding, texting, running lights, ignoring their blind spot, causing accidents resulting in claims? Well, they’re wrecking it for everyone. The good news is that with a safe driving record you can get a discount on your Autopac premiums.
How much liability should I carry?
Well, that’s going to depend largely on your usage. If, for example, you shuttle your kids and their friends to and from school, soccer games, movies and beyond it might be a good idea to have plenty of liability coverage. It’s also not a bad idea to increase your coverage before you travel out of province, especially to the U.S. An Autopac advisor can recommend the right amount of coverage based on your usage.
What’s the deal with my deductible?
Excellent Question. The basic deductible for passenger vehicles, vans, light trucks and motor homes is $500. However, you can reduce it incrementally if you wish to as little as $100. With Motorcycles, deductibles are structured a bit differently. And there are circumstances where your deductible can be reduced or waived, such as if you use an approved anti-theft device and your wheels are stolen anyway, or if you’re hit by a deer. We recommend the use of approved anti-theft devices. We do not recommend colliding with deer.
How many kinds of coverage are there?
Autopac features extensions and optional coverage for just about any type of vehicle or vehicle usage. It’s a virtual superstore of auto insurance options. So if you’re looking for a specific type of coverage, chances are you’ll find it on the MPI website. You’ll also find a lot more detail on the subjects we’ve touched on here. Specifically:
For more information on premiums, click here.
For full information on deductibles, click here.
If you’d like to get a quote for your vehicle, click here.
When are you going to provide contact information so I can chat with an Autopac advisor?