HOW TO USE THE IRC    Navigation Buttons    Error Messages FREQUENTLY ASKED QUESTIONS FACTORS WHICH DETERMINE PREMIUMS    Type of Vehicle    Where You Live    The Vehicle's Use    Your Driving Record VEHICLE INFORMATION    Year, Make, Model,    Body Style VEHICLE USE INFORMATION    Where You Live    Road vs. Lay-up Coverage    Registration Class    Gross Vehicle Weight    Declared Value    Cubic Centimetres       (for motorcycles) INSURANCE OPTIONS    Premium Discounts    Deductibles    Motorcycle Deductible    Third-Party Liability    Auto Loss of Use    Excess Value Coverage    Lay-Up Coverage    New Car Protection    Leased Car Protection    Rental Car Insurance    Payment Options

Help for insurance option information requirements

Premium discounts

Premium discounts depend on how safely you drive, which is reflected in your Driver Safety Rating.

Deductibles

• The amount of your claim for which you're responsible.
• Applies on your claim for your own damage and for theft of your own vehicle, with some exceptions.
• Choose from deductible levels of $750 (Basic), $500, $300, $200 Standard, and $200 Plus. See more information.

Motorcycle deductible

• Basic Autopac provides protection for collision and upset (and $500,000 third-party liability).
• Collision deductibles are available in levels of $750 (Basic), $500, $300 and $200. See more information.
• You can choose collision and comprehensive coverage together or separately.

Third-party liability

Coverage for claims others may make against you for:

• damaged vehicles
• damaged property
• bodily injury or death from a collision outside Manitoba

The Basic third-party liability level is $500,000, and you can increase it by choosing from options of $1 million, $2 million, $5 million, $7 million or $10 million. See more information.

Loss of Use

An Autopac option that pays the cost of replacement transportation if your vehicle can't be driven because it was stolen or damaged accidentally, regardless of fault.

• Loss of Use - Passenger Vehicle is suitable for renting a replacement passenger vehicle comparable to your current vehicle, subject to availability.
• Loss of Use - Motorcycle is only available to customers with a motorcycle or moped policy and is suitable for renting a motorcycle, moped or full-size vehicle.

Excess Value Coverage

Covers vehicles valued over $70,000, which is the maximum insured value under Basic Autopac.

Lay-up Coverage

• If you are taking your vehicle off the road for an extended period of time you may want to choose Lay-up Coverage.
• Covers your vehicle against fire, theft, vandalism and other accidental damage while in storage, but does not cover against collision.

New Vehicle Protection

• An Autopac option that provides protection for brand new or newer vehicles.
• Covers the price you paid, plus an allowance for inflation, if your vehicle is written-off.

Leased Vehicle Protection

• An Autopac option that provides protection for brand new or newer leased vehicles.
• Covers your down payment and any trade-in allowance on your vehicle if your vehicle is written-off.

Rental Vehicle Insurance

• for rented or borrowed vehicles in Canada or the United States
• covers you against the financial risks of renting or borrowing a vehicle
• must be purchased from an Autopac agent before leaving on a trip

Payment options

You have several payment options available to you:

·         The full payment option allows you to pay the entire amount due and, with no interest or service charges, is your most economical option.

·         The 12 pre-authorized payments option spread out the cost of your premium over 12 automatic bank account or credit card payments throughout the year.

·         The four-payment plan gives you the option of making quarterly payments (motorcycles and mopeds are not eligible).

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