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Did you know you have options for auto insurance in Manitoba?

It’s true! While you still need to register your vehicle with Manitoba Public Insurance for basic coverage, you can choose where to get your auto extension coverage from.

CAA offers private auto extensions that may help reduce your overall insurance cost while providing a reduced deductible, increased third-party liability, optional endorsements, and more comprehensive auto loss of use coverage.

CAA Deductible Options

In Manitoba, MPI charges a flat deductible amount for any physical damage suffered by a vehicle from a collision. All private passenger vehicles with basic plate insurance have a $750 deductible.

By purchasing extension coverage, you can choose to reduce your physical damage deductible amount (for collision and comprehensive) from MPI's basic standard deductible.

CAA Third Party Liability Options

In Manitoba, MPI provides basic third party liability insurance to all residents with a coverage limit of $500,000.

Increasing third party liability coverage provides additional liability protection in case you become legally responsible to someone else for property damage or bodily injuries you cause in an automobile accident.
You can increase your third party liability coverage by choosing one of the following extension options:
$1,00,000 - $2,000,000 - $3,000,000 - $4,000,000 - $5,000,000 - $10,000,000

Optional Endorsements

Here are a few of the more common endorsements available to you.

Loss of Use:

Coverage for replacement transportation to keep you on the road if your vehicle is stolen or accidentally damaged. CAA has no daily limit, just pick your limit and pay accordingly. The available limits are from $1,000 to $3,000 per occurrence.

Family Pet Protection:

Up to $1000 to cover emergency veterinary expenses for a pet that was in your vehicle during an accident.

  • No deductibles for this coverage

Personal Property:

Reimbursement for the cost to repair or replace tangible personal property such as clothing or electronics that was lost or damaged at the time of the accident while within the vehicle.

• Reimbursement up to a maximum of $500 per occurrence

• No deductibles for this coverage

Excess Value:

This endorsement is used to increase the maximum value of a vehicle beyond the $70,000 that is included under Basic autopac. The maximum limit of insurance that can be purchased is $170,000.

Tire Pothole & Puncture Protection:

Up to $25 each for repairing or replacing tires damaged by road hazards.

  • No deductibles for this coverage

Replacement Cost:

This endorsement is used to waive the application of depreciation for the repair or total loss of a newly purchased vehicle.

  • Replacement cost coverage provides coverage for 60 months from the date of purchase

  • The Mileage can not be more than 15,000km

Ready for Customized Auto Insurance?

Feel free to fill out the information below, and we can help put together an auto insurance plan that provides you with optimal coverage at the best price. It’s a quick and easy quote process, and there’s no obligation in asking… so, if it might save you a few bucks and get you even better coverage, why not find out more? Once you have filled it out, we will have one of our brokers contact you shortly.
Name E-mail What deductible option would you like? Do you authorize us to access your MPI account in order to confirm your current DSR level? If you answered "Yes" to the above question, please provide your Driver's License Number. Are you currently a CAA member? Does your vehicle have winter tires? Do you currently have CAA Home Insurance? (A discount applies if you do) Message I agree to the Terms & Conditions and Privacy Policy Submit