Help for vehicle use information requirements

Postal code
Manitoba is divided into four territories for rating purposes. Your postal code determines which territory you reside in.

Taxes
If your postal code borders two territories, your rating territory is based on where you pay your taxes.

Manitoba residency
If you do not live in Manitoba we'll calculate your insurance premium as if you lived in Territory 1 (Winnipeg).

Road vs. 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. Lay-up Coverage covers accidental loss or damage caused by situations such as fire, theft, vandalism, hail and lightning but excluding road use.

Commute
A Commuter is a policyholder whose permanent address is in Territory 2 and who drives a vehicle to work or school in Territory 1. The vehicle must be insured as one of the following:

• all-purpose motor home
• all-purpose passenger vehicle
• all-purpose truck
• all-purpose motorcycle
• farm all-purpose passenger vehicle
• artisan truck with a gross vehicle weight of 16,330 kg or less
• other truck with a gross vehicle weight of 16,330 kg or less
• farming/fishing all-purpose truck

Registration class
truck vs. farming/fishing all-purpose trucks
Select A6 if you own, rent or lease land for the purpose of one or more of the following operations for at least three months of the year (the interpretation is 720 hours non-consecutive). You must be selling or marketing a product.

• growing crops or fodder
• raising livestock or poultry
• egg production
• honey production
• raising mink or fox
• milk or cream production
• operation as a feed lot on which cattle are kept

Select A5 if the above categories do not apply.

Vehicle use
Select All Purpose if you use this vehicle to:

• drive to and from, or part way to and from, work or school
• use this vehicle for business

Select Pleasure if you use this vehicle to:

• drive for pleasure
• drive dependent children to and from school
• drive to or from work or school no more than four days a month and not more than 1,609 km (1,000 miles) a year

Select Farm if you live on a farm and farming is your primary occupation, or you are retired from farming, and you do not use the vehicle to drive to or from work or school, and for business purposes other than farming, more than four days a month or more than 1,609 km (1,000 miles) a year.

Select Farming All Purpose if you live on a farm and farming is your primary occupation, or you are retired from farming, and you use this vehicle to:

• drive to or from work or school and
• use this vehicle for business purposes other than farming

Gross vehicle weight
The combined weight of the vehicle and its carrying capacity.

Declared value
The declared value of a vehicle is the value indicated by a customer when insuring motor homes, motorcycles, trailers and buses. The declared value includes applicable taxes.

Cubic centimeters (CC)
Engine displacement in cubic centimetres (cc) is a factor in determining your motorcycle premium.

 

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How to Use the IRC > Frequently Asked Questions > Rating Factors >
Vehicle Information > Vehicle Use Information > Insurance Options