MPI Autopac Changes & How It Effects Your Coverage

March 31, 2021 6 min read
2021 MPI Autopac Changes

Significant changes are coming to MPI’s Autopac product that will change everything you ever knew about your auto insurance (cue dramatic music). But seriously, this is the most significant change to the Autopac product in 20 years. These changes come into effect on April 1st, 2021. Regardless of whether it’s your renewal year or reassessment year, these changes will impact all Manitobans by next April. Based on your anniversary date with MPI, which is four months after your birthday, you’ll receive your notice 45 days in advance. You’re able to make any changes to your coverage at no cost before making your next annual payment. We’ll go through everything you need to know so that you feel prepared for your renewal. Of course, if you have any questions or want to talk through your renewal or coverages we would be happy to chat!

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As a refresher, Autopac is based on two mandatory aspects: deductible and third-party liability limits. Optional coverages include excess value, extension loss of use, and income replacement indemnity. To cover the changes, we’ll be discussing deductible options, third-party liability limits, and excess value. For more information on all MPI Autopac coverages, check out our MPI Auto Insurance page.

Passenger Vehicle Deductible

The most notable change is the impact on deductible limits by changing the basic deductible choice from $500 to $750. Previously, policies include a $500 deductible with the option to buy it down to $300, $200, or $100. Effective April 1st, the basic mandatory deductible is $750, with the opportunity to buy down to 4 other choices.

Deductibles on your 2021 statement will look different based on your current coverages. Your notice will show the level closest to what you currently have. If you want to change your coverage, you can do so at no cost before making a payment on your policy.

$500 Basic deductible in 2020 -> $750 Basic deductible option in 2021

$300 deductible in 2020 -> $300 deductible option in 2021

$200 deductible in 2020 -> $200 Plus deductible option in 2021

$100 deductible in 2020 -> $200 Plus deductible option in 2021

The table below outlines the new deductible choices as well as changes from previous limits.

Type of Claim $750 $500 $300 $200 Standard $200 Plus
Collision, fire, hail, lightning $750 $500 $300 $200 $200
Glass replacement $750 $500 $300 $200 $200
Theft of vehicle $750 $500 $300 $0 $0
Vandalism $750 $500 $300 $200 $0
Glass repair $750 $500 $300 $200 $0
Collision with animal $750 $500 $0 $0 $0

If you currently have a $300 deductible, your coverage will change with the 2021 update. Previously, a $300 deductible would cover glass repair at $0. However, with this change, it will cost $300 to repair that chip in your windshield. The same goes for the new $200 Standard deductible. Whereas before vandalism and glass repair came with a $0 deductible, now it’s $200.  If you have any questions about your deductible or want to talk through your options, connect with us!

Motorcycle Deductibles

Changes are coming for motorcycle owners as well. Deductibles for collision are changing, similar to the passenger vehicle limits. Previously, the basic deductible limit was $500, with the opportunity to buy it down to $300, $200, or $100. With this change, the basic deductible will be $750 with the option to buy down to $500, $300, and $200 deductible. The table below shows the new deductible choices for motorcycles.

Claim Type Basic $500 $300 $200
Collision and upset $750 $500 $300 $200
Collision with animal $750 $500 $0 $0

Third Party Liability

The big difference here is the basic amount that is mandatory on your policy. The basic third-party liability limit previously was $200,000 and is now a limit of $500,000. You can still buy up your limit to $1, $2, $5, $7, or 10 million dollars. Check out our liability section on the MPI Auto Insurance page to read why it’s important to know what you could be responsible for in the event of an accident.

Maximum Insured Value

If your vehicle is worth more than the limit for maximum insured value, you’ll want to increase your limit. If an insurable loss occurs, you’ll receive cash for the value of your vehicle. The limit changed from $50,000 to $70,000. If your vehicle is worth more than that (including taxes), you’ll want to look into buying up this coverage.

My Reassessment/Renewal Is Coming Up. What Do I Need To Do?

When you receive your 2021-2022 annual statement of account or renewal notice, you’ll automatically be assigned to the deducible level that is closest to the coverage you currently have. It’s important to highlight that you’re able to choose your deductible up to the time payment is made. There is no charge to change your coverages, as long as it’s done before your payment is made! If no changes are needed based on how your coverage was aligned, you can continue with your policy as normal.

To reflect your new coverage limits, you’ll be receiving a new insurance certificate to keep in your vehicle only once the changes are applied. If your reassessment/renewal is in the fall, for instance, you’ll continue to use your current registration documents until then.

We’re here to help you understand these new coverages and would love to chat if you have any questions!

Ready to renew your insurance? You can do so all from the comfort of your home!

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Scenario #1

James has just received his annual statement in the mail and is review his coverages. Previously, he had a $200 deductible because he liked the $0 deductible for vandalism and glass repair. His deductible is being moved to the $200 Plus deductible. He’s happy with the coverages and doesn’t need to make any changes. James makes his payment with us and will receive his new insurance

Scenario #2

Millie has also received her annual statement but needs to make some changes. Previously, she has picked the $300 deductible because she doesn’t drive too much but liked how glass repair carried a $0 deductible. With this change, a $300 deductible in 2020 is now a $300 deductible in 2021. However, the new $300 deductible requires $300 for glass repair, so Millie has decided to change to the $200 Plus deductible. Millie touches base with our office and explains what change she wants to make before her payment. After her payment, she receives a new insurance certificate with updated coverage changes!

Looking to get a quote on your auto insurance? Let’s chat!

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Written by

Alex Harms is part of our marketing team at MIG Insurance and she specializes in writing content to make insurance easier to understand for our clients. She obtained her Bachelors in Commerce (Hons.) at the Asper School of Business and worked with MIG as a broker during her studies and now fulltime in a Marketing & Operations role. She has taken on many tasks her at MIG but enjoys the challenge. Outside of work she enjoys spending time with her family as well as her dog Murphy, out at the lake which is their favourite spot!