Common questions about car insurance

If you drive a vehicle, you will have to ensure you have a car insurance policy in place. And while it may seem like a straightforward purchase, there are some things about car insurance you should know that may help you reduce your costs and increase your coverage. We’ve addressed some common questions you may have when it comes to car insurance in Manitoba.

Do I have to insure with MPI?

Yes, to operate a vehicle in Manitoba, you must have a valid vehicle registration and basic automobile insurance coverage provided by Manitoba Public Insurance (MPI). However, you can add extended insurance options such as lower deductibles, additional liability, and loss of use coverage.


What’s covered by MPI basic insurance?

Your basic MPI coverage insures your vehicle and any permanently attached equipment against accidental loss or damage. You pay the deductible and your base auto coverage will cover the rest.


What are the different types of coverage available?

There are three main coverage options when it comes to insuring your vehicle, depending on how you plan to use it.

  • Recreational coverage (for those who only drive once in a while).
  • All-purpose coverage (for those who drive to work / school).
  • Commuter coverage (for those who drive into a bigger city for work).


What additional coverage options are available to me?

If you need additional coverage, you may purchase extended insurance options such as:

  • Lower deductibles of $500, $300, $200 standard, and $200 plus
  • Additional liability of $1, $2, $5, $7, or $10 million
  • Loss of use coverage
  • New / leased protection
  • Increased max insured value (MPI will only pay up to $70,000 on a total loss, so if your vehicle is worth more, you need to buy up the value).
  • Income Replacement Indemnity (IRI) extension coverage


How can I save money on my insurance?

Having a good driving record to start! The safer you drive, the more money you will save on your coverage.


Ready for customized auto insurance?

Get in touch with one of our Auto Insurance Specialists today, either over the phone, by email, or in person, and they can help put together an auto insurance plan that provides you with optimal coverage at the best price.