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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.

Personal Property

Reimbursement for the cost to repair or replace tangible personal property such as clothing or electronics that have been lost, damaged, or stolen while within the vehicle.

• Coverage up to a maximum of $500 per occurrence

• No deductibles for this coverage

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

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.

  • Coverage up to $25 for repairable tires

  • Covers the cost to replace non-repairable tires with same make and model

Replacement Cost

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

  • Provides coverage for 5 years from the date of delivery

  • Coverage must be added within 4 months of delivery

  • No coverage for fire, theft, vandalism, malicious mischief, or water damage after 2 years

Available Discounts

CAA Member Discount: 10%

The CAA member discount is applied to all policies where you are an active CAA member, Primary or Associate.

Winter Tire Discount: 5%

The Winter Tire discount is applied to the cost of any vehicle that has four tires (with the winter tire designation), installed no later than November 20 and removed no earlier than April 15.

Multi Vehicle Discount: 5%

The Multi-vehicle discount is applied when you have more than one vehicle insured with CAA.

Multi Line Discount: 5%

The Multi-Line Discount is applied to your auto extension policy when you carry a Homeowner, Condominium or Tenant Package Policy with CAA.

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 or MPI customer number. Are you currently a CAA member? Does your vehicle have winter tires? Do you currently have CAA Home/Tenants Insurance? (A discount would apply) Comments or questions I agree to the Terms & Conditions and Privacy Policy Submit