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.

Your off-road vehicle (ORV) presents financial risks different from your automobile.

Your injuries

Registering your ORV doesn’t automatically give you injury coverage. If you cause a collision, you will not receive coverage for your own injuries. If you’re in a collision and the other driver is at fault, you may claim against the other driver’s third-party liability insurance and, in some cases, your underinsured motorist coverage.

This is often not enough and could leave you having to pay for any costs from medical treatments, disability, permanent impairment and more if you or a family member were injured while riding. The Personal Injury Protection Plan (PIPP), which covers automobile injuries, covers ORV riders in one situation only – if the ORV collides with a moving car, truck, or other motor vehicle that must be registered for road use.

Manitoba Health will cover some of your expenses if you are injured in an ORV accident, however, it doesn’t cover lost income if you can’t work, intensive rehabilitation, or special medical equipment you may need. You may have disability coverage through employment or your own insurance policy, but it may not cover you in all situations.

Also, if someone hits you who doesn’t have insurance, you would have to sue them to recover any injury costs resulting from the collision.

Claims against you

If you cause an injury or damage property while operating your ORV, you can be sued. With your registration you have $500,000 third-party liability protection. However, that may not be enough to cover you against a serious claim. Covering the claim yourself could result in financial hardship.

Your own machine

When you register your ORV, you do not automatically get coverage for damage to your machine or for theft. Could you afford to lose your machine without any compensation?

Autopac options

There are several Autopac options you can buy to protect yourself, your family and your ORV. (ORVs that race, even recreationally, are not eligible for insurance other than Basic third-party liability and registration.)

Accident Benefits

Accident benefits help cover injury costs resulting from disability, medical treatment and rehabilitation and are paid regardless of who is at fault.

Accident benefits covers the policyholder and any other drivers or passengers riding on the ORV for injuries or death from:

operating or riding on any ORV, including colliding with something
getting on or off any ORV
being run over or struck down by any ORV

To be covered, others operating your ORV must have your permission. If you are operating someone else’s ORV you must have the owner’s permission. If you’re riding outside Manitoba (but within Canada or the United States), others operating your ORV and their passengers must also be Manitoba residents.

Third-Party Liability Plus

Our Third-Party Liability Plus coverage offers two-way liability protection against:

claims someone makes against you for property damage or injuries
other ORV operators who don’t have enough insurance to cover your injury claim

Remember: if you injure others – including your passengers – or damage their property, they can sue you.

Choose from:

Third-Party Liability at $500,000, for ORVs not requiring registration
Extended Third-Party Liability at $1,000,000, $2,000,000 and $5,000,000

Each Third-Party Liability Plus option includes the same amount of underinsured motorist protection.

Collision protection

Covers collision damage to your ORV.
Choose either a $200 or $500 deductible.

Your Autopac Agent may need to inspect your ORV before you can buy collision coverage. If you are buying collision coverage for a new ORV, you won’t need an inspection if you purchase coverage within three business days of taking delivery from the dealer. If you bought the machine from another person and that person had the same or better collision coverage than you are buying, you won’t have to have the ORV inspected if you purchase the coverage within three business days.

Comprehensive protection

Covers damage to your ORV from causes other than collision, such as, fire, theft, vandalism and hail.
Choose either a $200 or $500 deductible.

Ask your Autopac agent for more details. Some restrictions apply on buying this coverage. Special risk situations may require a separate application.

Seasonal rating

For your convenience, insurance options for ORVs can be purchased with your Basic Autopac coverage. Premiums are based on the period when your ORV is typically in use – your actual riding season – rather than the whole year.

The riding seasons for ORVs are as follows:

Snowmobiles:	Dec. 1 to Mar. 31
ORV Motorcycles:	May 1 to Sept. 30
ORV ATV’s:	Jan. 1 to Dec. 31

The riding season is defined as four months for snowmobiles and five months for ORV motorcycles. Because ATVs can be used throughout the year, the riding season is set over 12 months.

When purchasing Extension coverage for your off-road vehicle, there are a number of payment options.

Full payment means the annual premium is due on the day the ORV is insured.
Deferred payment means that you won’t pay the premiums until the ‘riding season’ begins. For example, if you purchase extension coverage for your snowmobile in June, payment of your premium can be deferred until Dec. 1. If you choose financing, the majority of the premium plus interest will be withdrawn in equal monthly installments during the riding season.

Remember, with ORV Extension coverage, you have protection throughout the year, even though your premium is paid over the shorter period.

Cancellation and refunds on these extension products are done on a daily pro-rata basis within the riding season. For example, if you cancel extension coverage on your snowmobile on Feb. 28, your refund will be based on the unused period Mar. 1 to 31. If you cancel after the end of the riding season, you won’t get any money back since the entire premium will have been earned during the season of use.

If you’re a Manitoba resident, you have your own injury coverage through Autopac – whether you own a vehicle or not. The Personal Injury Protection Plan (PIPP) is based on these four principles:

Coverage extends to all Manitoba residents injured in automobile accidents anywhere in Canada or the United States.
Compensation focuses on specific economic losses from an auto injury or death, with few limits or restrictions.
Compensation is guaranteed for all injured people, regardless of who was at fault for the accident.
Most benefits are indexed to the Consumer Price Index to reflect changing economic conditions.

Who’s covered by PIPP

All Manitoba residents carry Personal Injury Protection Plan (PIPP) coverage with them wherever they travel in Canada and the United States. For Manitobans, there is no reduction in the level of benefit based on the degree of fault for the accident.

The Personal Injury Protection Plan (PIPP) also covers visitors to Manitoba who are injured in an accident in Manitoba while:

Occupying a Manitoba-registered vehicle. These visitors get full PIPP compensation.
Not occupying a Manitoba-registered vehicle. In this case, visitors receive compensation if someone else was at fault for the accident. For non-residents who are injured in an automobile accident in Manitoba, the amount of compensation depends on the other party’s degree of fault.
Manitoba driver 25 per cent at fault: visitor gets 25 per cent of PIPP compensation.
Manitoba driver 0 per cent at fault, visitor 100 per cent at fault: visitor gets no PIPP compensation.
This applies unless we have an agreement with the visitor’s home jurisdiction. In that case, the agreement will say how much compensation will be paid.

When you’re travelling in another province or state, their laws still apply to you. PIPP protects you everywhere in Canada and the U.S. but the laws where you’re travelling may make you responsible for compensating others if you injure them or damage their property.

Your basic third party liability coverage protects you in these situations, up to $500,000. Please consider buying more protection than this, especially if you’ll be driving outside Manitoba. For more information, please talk to your Autopac agent.

Remember, you must be a Manitoba resident to qualify for PIPP coverage. If you move outside Manitoba, you’re covered for injuries under PIPP only while you’re in your Manitoba-registered vehicle. Also, once you’ve moved, your PIPP coverage ends once one of the following happens (whichever occurs first):

When the law in your new home province, territory or U.S. state says you must register your vehicle there.
When your Autopac coverage ends.

Coverage for catastrophic injury

Individuals who are catastrophically injured may qualify for these enhanced benefits.

income replacement
personal care
permanent impairment
special circumstances (Transitional Expense Coverage)
coverage for costs due to modifications made to your main or second home, because of health or family circumstances
coverage for extra costs to continue pre-accident travel
attendant care to assist with remunerative employment
vehicle modifications, or if not applicable, up to $54,855 to buy a motor vehicle to modify for your special needs

More coverage for all automobile injuries

Individuals who have been injured may also qualify for the following entitlements, depending on circumstances:

help for you to take part in leisure and recreation
help to acquire a motor vehicle to be adapted to your needs
help to adapt more than one motor vehicle to your needs
increased meal allowances (indexed annually)

For details, please talk to your case manager.

PIPP Guide

The PIPP Guide is a publication that contains full and detailed information about PIPP including:

Medical and personal expenses
Income replacement
Caregiver expenses
Personal assistance
Impairment
Rehabilitation
Catastrophic injuries
Appeals

View the guide here.

Basic PIPP benefits

Here’s a list of the basic benefit amounts (effective April 1, 2024) under the Personal Injury Protection Plan (PIPP). We adjust these benefits each year, based on the Consumer Price Index and the Manitoba Average Industrial Wage.

Bodily Injury claims

Income replacement indemnity

PIPP provides replacement income based on 90 per cent of your net income, subject to a maximum insurable gross yearly income of $115,000 and a seven-day waiting period. See more information on replacing your income and calculating your income replacement.

Maximum insurable gross yearly earned income	$115,000
Industrial average wage	$1,088.92 (weekly) $56,623.84 (yearly)
Personal care assistance expenses for non-catastrophic injuries (receipts required)	$5,609 (maximum/month)
Personal care assistance expenses for the catastrophically injured (receipts required)	$6,707(maximum/month)
Caregiver weekly indemnity
1 dependant:	$541 (weekly)
2 dependants:	$599 (weekly)
3 dependants:	$657 (weekly)
4 or more dependants:	$711 (weekly)
Care expense reimbursement (receipts required)
1 person:	$141 (maximum/week)
2 people:	$186 (maximum/week)
3 people:	$234 (maximum/week)
4 or more people:	$280 (maximum/week)
Help hired for a family business	$934 (maximum/week)
Lump sum indemnity for a permanent impairment (non-catastrophic injuries)	$934 (minimum) $186,998 (maximum)
Lump sum indemnity for permanent impairment (catastrophic injuries)	$295,272
Lump sum indemnity – minors and students
Minors, kindergarten to grade 8	$6,357 (maximum)
Grade 9 to Grade 12	$11,780 (maximum)
Post-secondary studies	$23,565 (maximum)
Transitional expense coverage	$1,373,364 (lifetime maximum)
Meal allowance
Breakfast	$11.76 (maximum/day)
Lunch	$17.23 (maximum/day)
Dinner	$25.82 (maximum/day)
Daily maximum	$54.78 (maximum/day)
Critical care attendance	$5,554 (maximum)
Clothing Allowance
Due to permanent use of a wheelchair	$1,291 (maximum)
Due to use of an orthotic device for less than six months	$144
Due to use of a prosthetic or orthotic device for six months or more:
Clothing worn on upper body (trunk and arms)	$432
Clothing worn on lower body (pelvis and legs)	$859
Leisure and recreational activities
Catastrophically injured	$4,388 (maximum/every 2 years)
Permanent impairment rating (PIR) PIR ≥70% (not including scarring, musculotendinous disruptions, ligaments or cartilage damage)	$2,194 (maximum/every 2 years)
50% ≤ PIR < 70% (not including scarring, musculotendinous disruptions, ligaments or cartilage damage)	$1,097 (maximum/every 2 years)
20% ≤ PIR < 50% (not including scarring, musculotendinous disruptions, ligaments or cartilage damage)	$549 (maximum/every 2 years)
Car travel expenses – please check with your case manager.

Fatality claims

Payments to family
Spouse or partner (tied to deceased gross yearly annual income)	$74,800 (minimum) $575,000 (maximum)
Disabled dependant	$32,725
Non-dependent child or parent	$16,657
Funeral expenses (receipts required)	$10,196 (maximum)
Grief counseling	$4,263 per person* (maximum) * There currently is an additional $4,263 available to go towards accommodations, meal expenses and pre-approved bus, train or auto travel (where you must travel more than 100 km round trip from your home community) to attend grief counseling.

These benefits are effective April 1, 2024. Yearly adjustments don’t apply to car travel expenses.

Criminal code convictions

In general, the Personal Injury Protection Plan (PIPP) covers injuries from an accident, no matter who caused it or how it happened. But if the person is convicted of certain Criminal Code offences related to the accident, all benefits for that individual will be terminated.

This applies to individuals who, under the Canadian Criminal Code, are convicted of:

auto theft
flight from a peace officer
theft where the property is a stolen motor vehicle
taking a motor vehicle without consent

In all of the above instances, both the driver and the passengers who are convicted for such offenses would have their benefits terminated.

There are other Criminal Code offences for which income replacement will be reduced for the first 12 months following the accident. In these cases, two factors will affect how much less the income replacement will be:

fault
number of dependants

If a person is convicted in the United States for a crime related to the accident, it will have the same impact on income replacement as if the offence occurred in Canada. No income replacement will be paid to a person who is in prison.

When you take your vehicle off the road for an extended period – putting it away for the winter, for example – you could just keep your registration and road coverage.

But switching to Lay-Up coverage may save you money. Talk to your Autopac agent.

Coverage

Lay-Up covers accidental loss or damage – such as fire, theft and vandalism, hail and lightning – excluding road use. It doesn’t cover:

collision damage
claims others make against you
vehicles stored outside Manitoba
vehicles stored on public roadways
any damage caused while operating the vehicle including your own collision damage or damage you may cause to another person’s vehicle (a vehicle under Lay-Up a policy should not be operated at any time)

Lay-Up coverage protects your vehicle up to $70,000 (including taxes). You can insure the amount beyond $70,000 with our Excess Value Coverage.

How it works

If you’re taking your vehicle off the road, visit an Autopac agent and switch your Autopac road coverage over to Autopac Lay-Up coverage. Please remember that short rate cancellation fees apply when transferring from road coverage. You keep your licence plate, but neither your plate nor your insurance is valid for driving.

Your Autopac policy then continues on its yearly cycle but now under Lay-Up coverage. Unless you switch back to road coverage, it will expire when your road coverage would normally expire.

You can switch back to road coverage any time by reactivating your registration through your Autopac agent. This automatically cancels your Lay-Up coverage.

Any time you switch back and forth between Autopac road coverage and Lay-Up coverage, you may be entitled to a credit. If you like, we can automatically apply that credit toward any premium you owe for your new coverage – whether it’s road coverage or Lay-Up coverage.

Cars, motorhomes, light trucks and heavy farm or fishing trucks qualify. If your vehicle doesn’t qualify but you still need Lay-Up coverage, please ask your agent for special risk Lay-Up coverage. If you’re storing a collector vehicle, you may want to consider all-year insurance protection through the Collector Vehicle Program (CVP).

The cost of Lay-Up coverage depends on your vehicle. Ask your Autopac agent or visit our Insurance Rate Calculator for a quote.

Commercial Coverage options are provided through our Special Risk Extension (SRE) program.

SRE designs your total insurance plan with a team approach involving underwriting, fleet safety, claims, and brokers. We offer competitive pricing and a full line of customized coverage options tailored to fit your needs.

Primary coverage

If your vehicle isn’t eligible for all-perils coverage under Basic Autopac, you can choose to purchase this coverage from SRE. Examples of these vehicle types include:

large trucks (including truck tractors and tankers) with a gross vehicle weight in excess of 16,330 kg
common carrier buses

Vehicles not eligible for third-party liability and all-perils coverage under Basic Autopac can purchase SRE coverage too. These vehicle types include:

commercial trucks with a gross vehicle weight in excess of 11,794 kg that operate beyond a 161 km radius outside the borders of Manitoba
semi-trailers
fire department vehicles

Your commercial insurance needs can vary. Your insurance agent will make certain that you have the right coverage in place, tailored to your specific needs.

Transportation packages

We offer a full range of products to suit your needs, including a variety of deductible, coverage, and liability limit options. Purchasing these coverages also entitles your company, at no additional cost, to the full benefits of our comprehensive fleet safety program.

Third-party liability

Coverage protects you from:

Property damage claims others make against you for damaging their property.
Public liability claims non-residents of Manitoba make against you for bodily injury. This includes such things as pain and suffering, loss of income and loss of future earnings.

Cargo liability

Cargo liability for truckers protects you, the carrier, in the event of damaged or stolen freight. This coverage is available for owned or non-owned cargo.

General liability

General liability for truckers provides commercial general and property liability coverage for the transportation operations of the Insured, completing your commercial vehicle package. Coverage selection is also available so you can custom design your insurance plan.

We also handle your Canadian and U.S. filing as needed. We file the required papers with jurisdictional authorities on your behalf.

Please seek the professional advice of your insurance agent when purchasing your transportation package.

Camper/hitchhiker policy

For a camper or hitchhiker (recreational vehicle) unit, consider this coverage if:

Your camper unit is especially designed for living purposes and is mounted or attached to a light commercial type automobile.
Your hitchhiker is designed to be mounted on the trunk of a private passenger automobile.

However, if you use your camper or hitchhiker as a seasonal cottage or guest house, coverage should be added under your homeowner policy.

Coverage provided by this policy includes:

All-perils protection for physical damage to the camper/hitchhiker.
Third-party liability coverage when the unit is detached from the vehicle. When the camper/hitchhiker is attached to a motor vehicle that has third-party liability coverage, the motor vehicle’s coverage automatically extends to the unit.

Other extensions

Some vehicle classes insured under Basic Autopac can purchase reduced all-perils deductibles, increased maximum insured value and/or increased third-party liability coverage through SRE. Examples of these classes include:

ambulance and police vehicles
hearse, funeral, and wedding vehicles
courier and messenger vehicles
common carriers operating within 161 km outside the Manitoba border
U-drive cars, motor homes, or trucks
other trucks

Please contact your insurance agent for professional assistance in choosing your coverage.

Loss of Use

Life can get a lot more complicated without the use of your vehicle. The good news is you can choose additional coverage that minimizes your inconvenience and expense.

SRE offers its commercial customers a customized Loss of Use Policy, covering your replacement transportation costs when you can’t use your vehicle because of accidental damage or theft.

Under Basic Autopac, Loss of Use coverage only applies when your vehicle is stolen.

Keep in mind this coverage is available only when your physical-damage coverage has been provided by SRE or Autopac. Coverage is also not available for motor vehicles:

used for rental purposes
used for emergency purposes
used for demonstrating or testing purposes
held for sale by an automobile dealer

If your car is in an accident, you can be legally responsible for damage or injuries others claim against you – even if you weren’t driving it at the time. Basic third-party liability insures you against claims others make against you up to $500,000.

As a vehicle owner, you’re covered when driving your own vehicle or when someone else drives your vehicle with your permission. When driving someone else’s vehicle, you’re covered as long as you’re driving with the owner’s permission. In all cases, the driver must have a valid driver’s licence too.

Basic third-party liability covers you if the vehicle you’re driving:

Damages another vehicle or other property in Manitoba
Injures a person, or damages a vehicle or property outside Manitoba but within Canada and the U.S.
(Motorcycle liability coverage provides protection against passenger injury claims outside Manitoba.)

For more protection, you may want to increase your coverage – especially if you travel outside Manitoba, even if only for one-day or weekend trips. Autopac options are available to increase your third-party liability protection to $1 million, $2 million, $5 million, $7 million or $10 million.

When coverage is denied

To ensure your third-party liability coverage is valid, you must follow the conditions of your policy.

We can refuse to cover you if:

The driver was impaired.
Someone was driving who wasn’t qualified and allowed by law to drive (an unlicenced driver).
Someone was driving with a suspended driver’s licence or who can’t drive because of a court order.
Someone under 16 was driving who didn’t have a learner’s permit or wasn’t following its terms.
The vehicle was being used to carry on an illegal trade or to transport items in violation of the law (for example, the vehicle was being used to smuggle cigarettes).
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 vehicle was being used to flee from the police.
The vehicle was used to deliberately cause injury, death or property damage.

In any of these situations, you are personally responsible for any claims made against you. Or, if we had to make any payments because of your actions, you’ll have to pay the money back.

With the Graduated Drivers licensing (GDL) program, you need to be especially cautious lending your vehicle to a new driver. Anyone in the GDL program who drives while breaking 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.

Responsibility for collisions

Although fault doesn’t affect how much injury compensation Manitobans get, it’s still important.

Being at fault affects the amount of deductible you pay now and your insurance premiums in the future. When we pay a claim from an accident for which you are responsible, your driving record is affected. This happens even if the vehicles involved had no damage but the other driver or a passenger claimed minor injuries.
In Manitoba, you can be sued for damage your vehicle causes to someone else’s property. The Personal Injury Protection Plan (PIPP) eliminates lawsuits for injuries to people (except for off-road vehicles – see below), but lawsuits for property damage claims can still occur. Fault affects the outcome of court actions for damages.
You can be sued for injuries from accidents occurring outside Manitoba. Increasing your third-party liability coverage is a good idea if you travel outside the province.

See more information about how we assess fault.

Off-road vehicles

An off-road vehicle, or ORV, is any wheeled or tracked motorized vehicle designed or adapted to travel cross-country on land, water, ice, snow, marsh, swampland or other natural terrain.

Snowmobiles, all-terrain vehicles, dune buggies and dirt bikes are examples of ORVs. Examples of vehicles not considered to be ORVs are: a golf cart, a garden or lawn tractor, infrastructure equipment and agricultural equipment.

With a few exceptions, ORVs must be registered. Your ORV registration includes Basic $500,000 third-party liability and underinsured motorist coverage. No other coverage is included. Because most ORVs are only used seasonally, the rules applying to your Basic coverage and registration differ from the rules applying to your car.

Here are some important things to remember:

Beyond $500,000 third-party liability and underinsured motorist coverage, you do not receive any additional coverage for damage or injuries with your ORV registration and licence plates.
You pay your premium when the riding season starts.
Your Basic coverage and registration lasts all year.
You always pay for the whole riding season. There are no refunds if you cancel part way through the riding season, or reductions if you buy your coverage part way through the riding season.

Your ORV presents two financial risks different from your automobile.

First, Personal Injury Protection (PIPP) doesn’t cover ORV accidents unless your ORV collides with a moving car, truck or other motor vehicle that must be registered for road use. That’s why Accident Benefits options through Manitoba Public Insurance are so important for you and your passengers.
Second, others can sue you if your ORV injures them in Manitoba—unlike your automobile. That means buying extra third-party liability coverage is a wise choice.

See detailed information on ORV Extension coverage options.

It’s up to you to cancel your Autopac coverage when you don’t want it or need it any more. If you don’t need your insurance anymore, you must go to an Autopac agent and cancel it. Otherwise, your coverage continues until it’s suspended for non-payment.

How to cancel

Cancellation must be in writing. The best way is to take your licence plates to an Autopac agent and complete a cancellation application. You can also keep the plates and use them again when you reapply for coverage. You’ll also get a receipt immediately for the cancellation.

If you are taking your vehicle off the road temporarily, you can switch over to Autopac Lay-up coverage.

Cancel your registration and Autopac insurance when:

you dispose of your vehicle and do not replace it within seven days
you move away from Manitoba

If you move and register your vehicle outside Manitoba, cancellation of your Manitoba registration/insurance doesn’t automatically happen. To cancel, mail a photocopy of your new vehicle registration documents and include a letter, with your signature, asking us to cancel your Autopac insurance. Mail to:

Manitoba Public Insurance
Basic Autopac Special Services
510-234 Donald Street
Box 6300 Winnipeg, MB
R3C 4A4

You can also fax your cancellation request toll-free to 1-877-776-9060.

See how to cancel your driver’s licence.

Refunds

We calculate policy refunds or credits using what’s called “short-rating” – a standard practice in the insurance industry. This may mean your refund is less than you expect.

Here’s what short-rating means and why insurers use it. Insurance policies are priced annually, with the fixed costs of writing the policy (like agents’ commissions) spread over their full term.

Your Autopac policy is priced annually, and will be in effect for one to five years (depending on the insurance and registration class).

When someone cancels a policy early, the fixed costs are spread over a shorter period than intended. That makes them higher on a daily basis. For example, $100 of fixed costs spread over 100 days are $1 per day. Spread over 50 days, this doubles to $2 a day.

Short-rating makes sure that those who cancel early cover the costs of the insurance they’ve used.

Your refund is calculated using a formula that factors in the amount of policy premium and the time left until your next anniversary day. You can ask your Autopac agent for details of your refund calculation.

There are no refunds on flat-fee premiums, such as for off-road vehicles, snow vehicles and trailers valued under $2,500.

Also, short-rate cancellation applies when transferring Autopac road coverage to Lay-up coverage.

Selling a vehicle

When you are privately selling your vehicle, in addition to cancelling your insurance, you and the buyer must fill out the Transfer of Ownership document, you must provide a bill of sale (ideally create copies for yourself and for the buyer) and the buyer requires a valid Certificate of Inspection. See more information on registration.

Insurance

Autopac represents our suite of automobile insurance products. We want you to understand your Basic coverage, and the additional options that are available to you. This section provides information about Basic Autopac, Autopac options and commercial coverage.