The Collector Vehicle Program (CVP) is an option designed to meet the needs of Manitobans who own eligible collector vehicles. The program provides superior year-round insurance coverage and reflects the infrequent use of collector vehicles and the extraordinary care and maintenance owners provide for them.
To be eligible for the CVP, a vehicle must be:
- a passenger vehicle, light truck (gross vehicle weight of 4,540 kgs or less) or motorcycle, which has a valid safety Certificate of Inspection to confirm it meets, at time of inspection, basic standards for operation in Manitoba. Read more details here.
- used for ‘Pleasure’ only under Basic Autopac (i.e., not used for regular commuting)
- at least 25 years old
- maintained at a value of at least $5,000 for passenger vehicles and light trucks or over $4,000 for motorcycles
The program offers Basic all-perils insurance protection throughout the year, with the convenience of not having to switch to Lay-Up or another insurance product in the winter months. Basic Autopac provides more comprehensive coverage and greater protection than Lay-Up coverage.
All customers who participate in the CVP will obtain a unique collector licence plate.
Because motorcycles already benefit from this kind of year-round insurance coverage, motorcycle owners participating in the CVP will not see any change to their insurance coverage or premiums.
Is it right for me?
There are a variety of benefits to insuring your vehicle with the CVP, including:
- Basic Autopac coverage, including $750 deductible, $500,000 third-party liability and $70,000 maximum insured value
- Options to lower your deductible ($500, $300, $200 Standard and $200 Plus)
- Options to increase your third-party liability ($1 million, $2 million, $5 million, $7 million or $10 million)
- Excess Value coverage options for high-value vehicles
- Loss of Use options
As part of your enrolment, Basic Autopac and any purchased insurance options are provided year-round. That means there’s never any need to switch to Lay-Up coverage in the winter months, resulting in fewer trips to your Autopac agent’s office. Vehicle registration will also be provided year-round and registration charges will not be seasonally rated – enabling you to take your vehicle for a spin regardless of the season.
With the CVP, owners of eligible cars and light trucks can choose how their insurance works. In some cases, purchasing a combination of Lay-Up and Basic Autopac may result in less expensive premiums, although Lay-Up does not provide all-perils coverage. For example, the following chart shows the various options available for a 1969 Ford Shelby Mustang GT350*, using non-current premium cost examples for illustration purposes:
|
Insurance Type |
Insurance Premium Cost Example* |
Visits to Agent |
Distinctive Collector Plate |
Year-Round Road Coverage |
Year-Round Third Party Liability |
|
Collector Use – |
$283 |
One |
Yes |
Yes |
Yes |
|
Pleasure Use – |
$651 |
One |
No |
Yes |
Yes |
|
Pleasure Use – |
$351 |
Multiple |
No |
No |
No |
* Premium examples are not current and are for illustration purposes only. Does not include registration fees, plate fee or short-rate cancellation fees that may be applicable.
How do I join the CVP?
Please read and follow these instructions carefully or your entry into the CVP may be delayed:
Step 1) Qualify your vehicle
Fill out the Collector Vehicle Qualification Form (for passenger vehicles and/or light trucks only) and contact a Manitoba Association of Automobile Clubs (MAAC) CVP qualifier directly to arrange an appointment to present your vehicle.
(Note: If you are the owner of a motorcycle, you are not required to fill out the Collector Vehicle Qualification Form. Please proceed directly to Step 2, where you will simply self-declare its value.)
MAAC, with its broad base of support from the collector vehicle owner community and the wide-reaching network of car clubs under its umbrella, is ideally suited to assist Manitoba Public Insurance with ensuring that vehicles meet the program criteria.
You may also choose to qualify your vehicle through Manitoba Public Insurance. To schedule an appointment, please call us at 204-985-7000 or toll free at 1-800-665-2410.
Step 2) Purchase your insurance and receive your CVP plate
You must visit your local Autopac agent or Service Centre to join the Collector Vehicle Program. This step cannot be done via email, standard mail or fax. Remember to bring your approved Collector Vehicle Qualification Form (passenger vehicles and light trucks).
Once you have submitted your form in person, your Autopac agent or a MPI Service Centre representative will provide you with your new collector plate.
Cancelling your CVP policy
You may cancel a CVP policy during the riding season and receive a refund for any unused portion. Please also note that if you choose to leave the CVP, you will be able to retain your CVP licence plate. However, you may have to re-qualify your vehicle should you later decide to re-join the program.
If you intend to give a collector licence plate as a gift, the registered owner must be part of the CVP with the designated vehicle.
Appeal process
If you disagree with a decision made by MAAC or Manitoba Public Insurance relating to eligibility for the CVP, you can file an appeal and provide your substantiated information by writing to:
Manitoba Public Insurance
Registrar of Motor Vehicles
c/o Collector Vehicle Program Appeal
PO Box 6300
Winnipeg, MB
R3C 4A4