Manitoba Public Insurance

Passenger Vehicle for Hire Coverage

If you want to drive for a rideshare company, we’ve got you covered!

Passenger Vehicle for Hire coverage is simple and flexible.

Select from four timebands

Purchase one, two, three or all four timebands, depending on when you plan to offer rideshare services. Each timeband is an additional five per cent of the Basic all-purpose rate. To see the effect this has on the average premium for a private passenger vehicle of $1,086:

  1. Select your timebands.
  2. The additional Passenger Vehicle for Hire premium will display for an average premium.

This gives you a general idea of cost. Remember, your personal premium likely differs from the provincial average due to your vehicle type, vehicle use, where you live, and your driving record. Talk to your Autopac agent to determine the exact premium difference that will apply to your situation.

  • Adds 5% to your
    Basic premium

    Weekdays (Not including rush hour)

    Daytime, Monday through Friday, 10 a.m.–3 p.m.
    Evening, Sunday through Thursday, 7 p.m.–11 p.m.

    Weekdays Timeband chart
  • Adds 5% to your
    Basic premium

    Rush hour

    Morning, Monday through Friday, 7 a.m.–10 a.m.
    Afternoon, Monday through Friday, 3 p.m.–7 p.m.

    Rush Hour Timeband chart
  • Adds 5% to your
    Basic premium


    Nightly, 11 p.m.–7 a.m.

    Overnight Timeband chart
  • Adds 5% to your
    Basic premium


    Friday 6 p.m.–Sunday 11 p.m.

    Weekends Timeband chart

Total = $0 per month (or $0 per year)

If you’re interested in becoming a Passenger Vehicle for Hire operator:

  1. If you plan to operate in Winnipeg, visit the City of Winnipeg website to learn more about the rules and regulations that will apply to private vehicles for hire (personal transportation providers), and to find out which ride share service providers are licensed to operate in the City of Winnipeg.
  2. If you plan to operate outside Winnipeg, learn the rules that apply in the local municipality. Driver licensing, insurance and vehicle requirements may vary under local municipal bylaws.
  3. Make contact with the rideshare service provider you are interested in driving for to find out how to become a driver, and what eligibility requirements apply.
  4. Talk to your Autopac agent about changing to Passenger Vehicle for Hire coverage and the timebands that work best for you.
  5. Once you are driving as a Passenger Vehicle for Hire operator, remember it is your responsibility to keep your vehicle correctly insured and offer rideshare services only within the timebands you select. You can change your timebands at any time by visiting any Autopac agent – the changes will take effect immediately.

Passenger Vehicle for Hire provides full coverage that fits your schedule. Talk to your Autopac agent for more details. When it comes to insuring your vehicle to provide private rideshare services in Manitoba – Manitoba Public Insurance has you covered!