Manitoba Vehicle and Driving Insurance Solutions

Obtain a Class 5 licence to drive passenger vehicles and light trucks. Eligibility starts at age 16. Completion of Manitoba’s Graduated Driver Licence (GDL) program is mandatory for all licence applicants, irrespective of age.

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For more information, visit MPI’s Get a driver’s licence section.

To obtain a Full Stage Class 5 licence in Manitoba, you need to be a minimum of 16 years old and meet certain requirements. The process involves establishing your identification, passing a knowledge test, completing the Learner Stage, passing a road test, and completing the Intermediate Stage. Appointment scheduling, fees, and details about road tests are available through the link provided.

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For more information and to book your test, visit: Book My Driving Test on the MPI website.

Flexible payment options include full payment upfront, a four-payment plan, or a 12 pre-authorized payments option. Payments can be made online with VISA or MasterCard, through your financial institution, in person, or by mail.

For more details, visit MPI’s Ways to Pay section.

Missed payments and consequences

Missing payments could lead to suspended registration and insurance. Timely payment is vital to maintain coverage and avoid serious consequences. Suspension due to missed payments affects instalment payment eligibility.

For more information, visit MPI’s Missed Payments section.

Payment schedule and due dates

Four-payment plan schedules payments on an anniversary day, followed by 2, 5, and 8 months. The 12-payment plan allows you to choose an automatic withdrawal date for equal monthly instalments.

For more details, visit MPI’s Payment Schedule section.

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Motorcycle, snowmobile, and ORV coverage

Flexible payment options exist for motorcycle, snowmobile, and off-road vehicle (ORV) coverage, including paying in full, deferring payment until the riding season, or financing premiums monthly during the season of use.

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‍For more information, visit MPI’s Motorcycle, Snowmobile, and ORV Coverage section.

To obtain a driving record in Manitoba, you can request various types of records, including claims experience letters, personal driver abstracts, commercial driver abstracts, and police traffic accident reports. These records can be requested through different methods, such as in-person at Autopac agents or MPI Service Centre locations, by fax, or online. Payment options include VISA/MasterCard, certified cheque, money order, cash, or debit. Different types of records show different information, such as at-fault collisions, convictions, suspensions, disqualifications, and more.

For more information and to request your driving record, visit: Get My Driving Record on MPI’s website.

Driver Z is a driver education program in Manitoba that combines online and in-car learning to enhance driving skills and reduce the risk of collisions. To enroll, you need to be at least 15 ½ years old. You'll need to set up as an MPI customer and pay $50 for the Driver Z service, which includes the course, vision testing, and knowledge test. You can register in person at an Autopac agent or MPI Service Centre, or by phone. The program is gamified, organized on a map with zones, and includes online eLearning activities, instructional videos, and in-car practice. The program progresses through different zones, requiring online activities, virtual classes, and in-car training.

For more information and to enroll in Driver Z, visit: Enroll in Driver Z on MPI’s website.

If you're looking for a driving school in Manitoba, you can use the online tool provided by MPI to search for driving schools in your area. This tool helps you find licensed driving schools that offer driver education programs to help you learn to drive safely and confidently.

For finding a driving school in Manitoba, visit: Find a Driving School on MPI’s website.

To register a vehicle in Manitoba, you must be a resident and meet age requirements. Documents vary based on purchase source. Private purchase needs a Bill of Sale, Transfer of Ownership Document, and COI. Dealer purchase requires NVIS/Bill of Sale, Transfer of Ownership Document, and COI. Coverage needed for dealer purchase. Temporary permit needed for out-of-province purchase.

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‍For detailed registration steps, visit the MPI Vehicle Registration page.

A valid Certificate of Inspection (COI) is required to register a vehicle in Manitoba. COI confirms vehicle met basic standards. COI is not a guarantee of overall vehicle quality. Inspect the vehicle with a trusted mechanic before purchase.

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‍Learn more about obtaining vehicle safety on the MPI Vehicle Safety page.

Temporary Registration Permits allow temporary vehicle operation in/out of Manitoba. Limits on permits for passenger vehicles. Obtain at MPI Service Centres, Autopac agents, or call MPI. Includes coverage options.

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‍For getting a Temporary Registration Permit, check out the MPI Registration Permits page.

A "Sample Bill of Sale" is available for vehicle purchase documentation. A Bill of Sale includes buyer/seller info, vehicle details, and terms of sale.

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‍Download a sample Bill of Sale from the MPI Sample Bill of Sale PDF.

Transfer of Ownership Document (TOD) essential for vehicle ownership transfer. TOD includes seller/buyer signatures and key information. Required for most registrations, with specific exemptions.

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‍Get more information about transferring vehicle ownership on the MPI Transfer of Ownership page.

licence plates are provided during vehicle registration. Plates have unique identifiers. Part of the registration process.  

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‍You can visit MPI's website for more information on license plates.

To operate a vehicle on Manitoba roads, you must have valid vehicle registration and Autopac insurance. Manitoba Public Insurance (MPI) offers different automobile insurance options. These include Basic Autopac, which is required and includes personal injury, all-perils, and third-party liability insurance. Additionally, you can enhance your coverage with various insurance options such as higher liability limits and reduced deductibles. Autopac insurance can be purchased through over 300 independent Autopac agents.

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‍For more details, please visit the Insuring Your Vehicle page on MPI's website.

There are many payment options available. You can pay your whole amount due up front or pay in smaller instalments throughout the years.

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‍To understand your payment options and instalments, you can find more information on the Paying for Your Insurance page of MPI's website.

When renting or borrowing a vehicle, it's essential to consider insurance coverage. Manitoba Public Insurance (MPI) offers Rental Vehicle Insurance, which provides comprehensive coverage at a lower cost compared to rental companies. This insurance covers rented or borrowed private passenger vehicles, light trucks, motorcycles, and mopeds in Canada or the United States. It includes up to $10 million for claims made against you, coverage for damage to rented vehicles, and daily allowances for rental replacement and downtime charges. By choosing MPI's Rental Vehicle Insurance, you can save up to $25 per day.

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‍Learn more about this insurance option on the Rental Vehicle Insurance page of MPI's website.

When it comes to Autopac insurance, deductible options provide you with flexibility. The deductible is the amount you pay as part of a claim, and MPI offers different levels. For private passenger vehicles, the basic deductible is $750. However, you can choose lower deductible levels, such as $500, $300, or $200 (Standard or Plus). Selecting a lower deductible may mean higher premiums but less expense in case of a claim.

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‍To understand your options and compare costs, you can find more information on the Reducing Basic Deductibles page of MPI's website.

Calculating your Autopac insurance rate involves considering your vehicle's risk of a claim, among other factors. MPI provides an online Insurance Rate Calculator to help you estimate your insurance rate based on your vehicle. While the calculator simplifies the process, keep in mind that more detailed rate calculations for certain vehicles, like commercial ones, might require assistance from an insurance broker.

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‍You can access the Insurance Rate Calculator on MPI's website to get an estimate.

If you wish to cancel your Autopac coverage, you must do so in writing. The process involves completing a cancellation application at an Autopac agent's office. You can either take your licence plates and complete the cancellation application or provide your plates to the agent and receive an immediate cancellation receipt. If you're temporarily taking your vehicle off the road, you can switch to Autopac Lay-up coverage. It's important to note that cancelling your insurance is your responsibility, and coverage continues until cancellation or suspension due to non-payment.

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‍For complete details about the cancellation process and requirements, visit the Refunds and Cancel Insurance page on MPI's website.

If you're involved in a collision, ensure safety first, then move your vehicle to the side. Exchange information with others involved, using the accident report form as a guide. Report the collision to Manitoba Public Insurance (MPI) promptly. Reporting is necessary even if there's no damage, as it helps assess the situation accurately. To report, call 204-985-7000 (Winnipeg) or 1-800-665-2410 (outside Winnipeg). Provide details like vehicle registration, accident info, other vehicles/drivers involved, and witness information. An adjuster will guide you through the process.

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‍For detailed steps and to report your vehicle collision, visit the Report a Vehicle Claim page on MPI's website.

In case of a collision outside Manitoba, stay at the scene, gather details, take photos, and report the claim to MPI by calling 1-800-665-2410. Keep all bills and receipts for medical or repair services. For towing, contact ELC Solutions Inc. at 1-888-460-8697. Notify local police, ask for a copy of their report, and provide necessary information to MPI.

For comprehensive guidance on out-of-province claims, visit the Out-of-Province Claims page on MPI's website.

You can obtain an accident report form by visiting the Accident Report Form page on Manitoba Public Insurance's website. This form is essential for documenting details related to the accident. It's crucial to accurately and comprehensively fill out this form to ensure proper reporting and processing of the incident.

For non-collision damages (including hail), report to MPI. Call 204-985-7000 (Winnipeg) or 1-800-665-2410 (outside Winnipeg). Provide vehicle registration, damage details, and more. Certain damages also require a police report. You can add a police report number later. Discuss your damage estimate options with an MPI representative.

To report a non-collision claim and understand the process, visit the Report a Vehicle Claim page on MPI's website.

Glass claims are efficiently handled using Mitchell Cloud Glass, a web-based application for glass repair shops that simplifies the claims process. Participating glass repair shops can directly register claims for you in Manitoba Public Insurance's systems.

The process is quick and convenient:

• Contact a participating glass repair shop of your choice to report your glass claim.
  
• If the damage occurred due to vandalism in Winnipeg, complete an online report with the Winnipeg Police Service. For damage outside Winnipeg, contact the local police where the damage occurred to file a report.
  
• Most vehicles can use Mitchell Cloud Glass, but exceptions require special handling.
  
  

Information required when you contact the repair shop:

• Driver's license document number of the registered vehicle owner (if not available, use the customer number on the vehicle registration).
  
• Vehicle registration details.
  
• Date and approximate time of the original damage.
  
• Vehicle's license plate number, Autopac policy number, information about other insurance, and your customer number.
  
• If the vehicle is registered to a company, provide the customer number from the vehicle registration.
  
  

Glass claims requiring special handling: Certain glass claims can't be processed through Mitchell Cloud Glass and need to be handled by Manitoba Public Insurance directly. These exceptions include vehicles under Rental Vehicle Insurance, plate transfers, lay-up policies, temporary permits, vehicles with Dealer Plates or Repairer Plates, work paid in advance, motorcycles, mopeds, mobility vehicles, all off-road vehicles, tractors, and trailers.

For these exceptions, contact Manitoba Public Insurance at 204-985-7000 or toll-free at 1-800-665-2410 to report your glass claim.

For more details on opening a glass claim and understanding the process, visit the Glass Claims page on MPI's website.

Start by reporting the incident to MPI. Receive an estimate of the damage, either at a Service or Claim Centre or through participating repair shops. Your estimator assesses the damage and determines repairs. Make an appointment at a qualified repair shop. Avoid self-repair as it may affect insurance coverage. Post-repair checks ensure your vehicle is back to pre-collision condition.‍

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For detailed steps on repairing your vehicle after a claim, visit the Repairing Your Vehicle page on MPI's website.

Eligible for select claims, photo-based estimating allows you to submit photos of vehicle damage. Use the Photo Based Estimating submission tool. An estimator will review the photos and provide an estimate. Follow the tool's guidelines for taking photos and submitting them.

To learn about and participate in photo-based estimating, visit the Photo Based Estimating page on MPI's website.

Check My Claim provides details about your personal vehicle claims made after May 5, 2023. Enter your MPI claim number, document number (from your driver's license), and the email address provided to MPI when reporting the claim.

Access your claim details through the Check My Claim service provided by MPI.