Discounts for fleet owners are handled differently than with individual vehicle owners. The Autopac Fleet Program upholds our commitment to a rating structure that rewards safe driving and vehicle maintenance. We encourage you to share in our focus on safety. By doing so, you’ll see the results of your safety efforts through a sliding scale of rebates and surcharges. The lower the losses we pay, the less you’ll have to pay to insure your fleet.
What is a fleet?
To qualify, you must:
- Have 10 or more vehicles registered (including vehicles under dealer and repairer plates) on the first day of any customer month in your registration period.
- Meet the required minimum number of insured days.
Contact the Fleet Unit if you’re not sure whether your fleet qualifies:
- Phone: 204-985-1601
- Toll-free: 1-800-406-1886
- Email: [email protected]
Exclusions
Excluded vehicles are:
- vehicles classified as insurance-exempt vehicles
- vehicles for hire
- trailers
- vehicles for which premiums are paid only for Personal Injury Protection Plan coverage
- off-road vehicles
- motorcycles
- mopeds
- mobility vehicles
- vehicles under a Lay-up policy
- vehicles under a Rental Vehicle Insurance policy
Rebates and surcharges
Rebates and surcharges are determined by the loss experience of your fleet. A loss experience is the ratio between all the losses we paid on your behalf and the fleet premiums you paid to us. Claims are included according to the degree of responsibility, except for comprehensive claims, which are fully included in the calculation of the loss ratio. Losses paid and fleet premiums for New and Leased Vehicle Protection coverage are not included in the fleet experience.
For example, if you are held 40 per cent responsible for a claim, then only 40 per cent of the cost of the claim (including all costs for which the fleet driver is responsible) will be charged to your fleet experience.
Currently, the maximum amount used for any one loss is $25,000. Rebates and surcharges will vary, determined by your loss ratio.
Fleets with the lowest ratio of claims to premiums paid are eligible for premium rebates up to 33 per cent.
Rebates
|
If your loss experience is (%) |
your refund will be (%) |
If your loss experience is (%) |
your refund will be (%) |
|---|---|---|---|
|
69 |
1 |
52 |
18 |
|
68 |
2 |
51 |
19 |
|
67 |
3 |
50 |
20 |
|
66 |
4 |
49 |
21 |
|
65 |
5 |
48 |
22 |
|
64 |
6 |
47 |
23 |
|
63 |
7 |
46 |
24 |
|
62 |
8 |
45 |
25 |
|
61 |
9 |
44 |
26 |
|
60 |
10 |
43 |
27 |
|
59 |
11 |
42 |
28 |
|
58 |
12 |
41 |
29 |
|
57 |
13 |
40 |
30 |
|
56 |
14 |
39 |
31 |
|
55 |
15 |
38 |
32 |
|
54 |
16 |
37 or less |
33 |
|
53 |
17 |
Surcharges
|
If your loss experience is (%) |
your surcharge will be (%) |
If your loss experience is (%) |
your surcharge will be (%) |
|---|---|---|---|
|
70 – 79 |
Nil |
105 |
26 |
|
80 |
1 |
106 |
27 |
|
81 |
2 |
107 |
28 |
|
82 |
3 |
108 |
29 |
|
83 |
4 |
109 |
30 |
|
84 |
5 |
110 |
31 |
|
85 |
6 |
111 |
32 |
|
86 |
7 |
112 |
33 |
|
87 |
8 |
113 |
34 |
|
88 |
9 |
114 |
35 |
|
89 |
10 |
115 |
36 |
|
90 |
11 |
116 |
37 |
|
91 |
12 |
117 |
38 |
|
92 |
13 |
118 |
39 |
|
93 |
14 |
119 |
40 |
|
94 |
15 |
120 |
41 |
|
95 |
16 |
121 |
42 |
|
96 |
17 |
122 |
43 |
|
97 |
18 |
123 |
44 |
|
98 |
19 |
124 |
45 |
|
99 |
20 |
125 |
46 |
|
100 |
21 |
126 |
47 |
|
101 |
22 |
127 |
48 |
|
102 |
23 |
128 |
49 |
|
103 |
24 |
129 or more |
50 |
|
104 |
25 |
Example
|
claims incurred |
divided by |
fleet premiums |
equals less ratio |
refund/surcharge % |
rebate/surcharge amount |
|---|---|---|---|---|---|
|
$3,750 |
$10,144 |
37% |
33% of premium |
a rebate of $3,348 |
|
|
$5,425 |
$2,495 |
217% |
50% of premium $2,495 |
or a surcharge of $1,247 |
Reports
We’ll help you manage the loss experience of your fleet by providing a quarterly progress package that includes reports on fleet identification, claims incurred, and fleet loss ratio. A final fleet assessment package is sent annually with a statement of account. This will indicate your rebate or surcharge, based on the fleet results for the year.
Appeals
You’re entitled to appeal your surcharge, and can have your surcharge reviewed by the Fleet Unit. If the record is correct and you wish to appeal, you will be advised on how to appeal to the Rates Appeal Board.