|
Basic Autopac is mandatory in Manitoba, providing coverage for
personal injury, all perils collision or third party liability
claim. You can choose to enhance this basic coverage with
optional Autopac coverages:
|
Type of
Claim |
Basic
|
Package 1 |
Package 2 |
Package 3
|
|
Fire, Vandalism,
Hail, Lightning, Collision |
$ 500
|
$ 300
|
$ 200
|
$ 100
|
|
Glass Replacement |
$ 500
|
$ 300
|
$ 200
|
$ 100
|
|
Theft of Vehicle |
$ 500
|
$ 300
|
Nil
|
Nil
|
|
Glass Repair |
$ 500
|
Nil
|
Nil
|
Nil
|
|
Wildlife Collision |
$ 500
|
$ 300
|
Nil
|
Nil
|
Basic Third Party Liability coverage
insures you up to $200,000, for claims made against you, if your
vehicle damages another vehicle or other property in Manitoba,
injures a person, or damages another vehicle or other property
outside Manitoba but within Canada and the United States.
$200,000 is the minimum insurance coverage required by law in
Manitoba and other provinces. However, you can get Optional Autopac
coverage to increase your third party liability protection to $1
million, $2 million or $5 million.
back to top
Documents Required when
Insuring a Vehicle in Manitoba
If
you have purchased a New vehicle in Manitoba, the Dealership should have
provided you with the following documents which will be required
when insuring the vehicle:
Your
new vehicle cannot insure your vehicle without all of these
documents.
If
you have purchased a Used vehicle from a Dealership in
Manitoba, they
should have provided you with the following documents which will be
required when insuring the vehicle:
Your used vehicle
cannot insure your vehicle without all of these documents.
If you have purchased a
Used vehicle, privately in Manitoba, you should have received the
following from the previous owner:
Along with these documents, a Certificate of Inspection will be
required when insuring the vehicle. Note that in a private
sale the Retail Sales Tax will be required upon insuring the
vehicle. This amount is 7% of the purchase amount or wholesale
amount (found in the Gold Book) whichever is greater.
back to top
Rental Car
Insurance
Renting a U-Drive or
driving someone else's car while on holiday? Does your Autopac
extend coverage? Yes, but liability coverage only and certain
limitations apply. Is coverage included under your credit
card? Yes, some of the credit card companies provide coverage
but these coverages vary from company to company and all are subject
to certain limitations. Is the coverage offered by the U-Drive
company sufficient? Maybe, but it is very expensive and do you
have the time or expertise to review the terms of coverage when
checking in at the U-Drive counter? Confused? Why take
the chance of not having proper coverage in place. We can
provide you with Rental Car Insurance which covers the
following:
-
rentals (or borrowed vehicles) anywhere in Canada (including
Manitoba) and the U.S.
-
claims other motorists may make against you, up to $5,000,000 (CDN).
-
claims the rental company may make against you for damage to their
vehicle up to $100,000 (CDN) (for rentals outside Manitoba), with
a $100 deductible
-
Renting a car that’s registered and
insured in Manitoba is different than renting outside Manitoba.
Here, the rental car’s basic Autopac insurance covers you if
have a valid driver’s license and you’re driving with the rental
company’s permission. For this reason, you’re only
responsible for up to $500 of damage to the car you’re renting,
which is the deductible under basic Autopac. Buying
Rental Car Insurance lowers
your deductible to $100.
-
a
replacement rental
-
down-time claims (claims the rental company make against you for
the time their damaged car was unavailable for rental)
Rates for Rental Car
Insurance (a non-refundable $15 policy fee applies):
back to top
New to Manitoba
If you have recently
moved to Manitoba and wish to register your vehicle, please follow
the steps listed below:
-
Get a claims history letter from your previous insurer or
click here
for the "New Manitoba Residents" form to send to your previous insurer to complete and return.
-
Get your Manitoba Driver's
License - before buying your Autopac insurance or you can't
qualify for a premium discount.
-
Have your vehicle inspected
- Before you
can register your vehicle in Manitoba, you must have a valid
Certificate of Inspection (COI), issued by a Manitoba vehicle
inspection station, or a valid government-issued in-force
Certificate of Inspection (COI) from the place you left. We accept a
COI from other jurisdictions that have a vehicle inspection program
similar to Manitoba's, such as those in Ontario and Saskatchewan.
The certificate means that your vehicle has passed a basic safety
inspection.
-
Buy your Autopac Insurance
- You have 3 months to register and
insure your vehicle when it's a privately owned, non-commercially
used passenger vehicle or a truck with a gross vehicle weight of
3,700 kg or less. All other vehicles must be registered immediately.
You'll also have to register your vehicle before the 3 months is up
if your registration and insurance from the place you left expires
during that time.
back to top
Renew
your Autopac with Us!
Renewing
your Autopac has never been easier and you can do it without leaving
home! Simply complete our Authorization Form and return it to our
office. Drop it in the mail, fax it to us at 488-1124 or send it to
us by e-mail. It's that easy.
We
will contact you prior to your next renewal, review your coverage
and process your renewal right over the phone. Once complete, we
will forward your renewal documents and new stickers so that you
have them well in advance of your renewal date.
Also,
once we have your authorization form on file, in addition to
processing future renewals, we will be able to process all of your
midterm changes such as automobile substitutions, coverage changes,
address changes, etc.
If
you already have an authorization on file with our office, please
contact us and let us know if you would like us to process your
renewal, changes, etc for you.
back to top
There are Alternatives to Autopac.
When
renewing your Autopac, consider the alternative of purchasing your
extension insurance privately. At premiums competitive with
Autopac, we offer lower deductibles for Comprehensive coverage and
nil deductibles for Wildlife Collision and Windshield Repair.
Also, for a nominal additional premium, you can insure against the
cost of renting a substitute vehicle if yours is damaged or stolen,
physical damage coverage for rented private passenger autos
(U-Drives), Excess Value coverage and Waiver of Depreciation
coverage for new autos. Premiums may be paid in three
installments or by monthly withdrawals from your bank account,
whatever is convenient.
SMI Prestige Automobile Insurance
-
Are you interested
in a selection of lower deductibles for your auto?
-
Do you have 4 or 5
merits on your driver's license?
-
Do you rent private
messenger autos either at home or when you travel in North America?
-
If your auto was in
an accident, would you need a replacement auto?
-
Do you or your
spouse operate private passenger vehicles outside of Manitoba?
-
Do you own an auto,
motor home or trailer which is plated seasonally?
-
Would you be
concerned with the valuation of your antique or classic auto if it
were a total loss?
-
If your auto is a
total loss, would you like to be reimbursed the depreciation for up
to two years from its purchase or lease new price?
-
If your premium is
over $100 are you interested in financing it?
-
Are you interested
in dealing with a Private Insurer?
If you answered YES to
any of these questions, contact our office for a Prestige Automobile
quote today!
If you have any other
questions or need more information please contact us!!
back to top
|
