1. No category

Products
Auto Loss
of Use
• Basic coverage
• Two levels of
extra protection
• The right choice
for you
Stay on the road with
Auto Loss of Use
If you rely on your vehicle daily, a
collision or vehicle theft could cause
undue stress and extra expenses.
With Basic Autopac, you automatically
get some protection against loss of use if
your vehicle is stolen, but if you rely on your
vehicle, consider getting additional Auto
Loss of Use coverage. It covers you if your
vehicle is stolen or accidentally damaged,
including if you’re in a collision.
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Loss of use coverage
with Basic Autopac
Standard loss of use protection with your
Basic Autopac includes:
• Loss of use costs if your vehicle is stolen.
(You must wait 72 hours after your car
is stolen before the coverage comes
into effect.)
• Daily coverage limit of $34 with a total
limit of $1,020 (taxes included).*
You are not covered if your vehicle is
accidentally damaged, including a collision.
* Coverage limits subject to change.
3
Claiming loss of use
expenses with Basic
Autopac
If you’re in a collision and you’re not at fault,
you can claim loss of use expenses against the
at-fault driver. If the other motorist is insured
by Manitoba Public Insurance, your adjuster
can handle the claim for you. If the at-fault
driver is insured outside Manitoba, you’ll need
to claim directly against that driver for any
loss of use expenses.
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Extra Auto Loss of Use
coverage
You can purchase additional Auto Loss of Use
coverage, which covers loss of use costs
if your vehicle is stolen or accidentally
damaged, including collision. This coverage
applies regardless of fault.
• For accidental damage that makes your
vehicle undriveable, your coverage starts
immediately. Otherwise, coverage starts
when you take your vehicle in for repairs.
• For stolen vehicles, your coverage begins
at 12:01 a.m. the day after you report
the claim.
• Coverage ends when you get your vehicle
back, when a settlement offer is made,
or when the maximum coverage limit is
reached, whichever comes first.
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Choose from two levels of Auto Loss of Use
to best meet your needs:
Level 1 – extra protection
• Covers loss of use costs if your vehicle is
stolen or damaged accidentally.
• Covers the cost to rent an entry-level car
(typically called “Economy” or “Subcompact”
by rental companies).
• Covers taxi or bus fares.
• Daily coverage limit of $39.02 with a total
limit of $1,170.60 (taxes included).*
Level 2 – premium protection
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• Covers loss of use costs if your vehicle is
stolen or damaged accidentally.
• Covers the cost to rent a large vehicle
(typically called “Full-Size” or “Premium”
by rental companies).
• Covers taxi or bus fares.
• Daily coverage limit of $68 with a total limit
of $2,040 (taxes included).*
An Autopac agent can provide you with a
quote.
Note: Some rental companies have age
and/or credit card requirements for renting
vehicles. To rent a vehicle with an Auto Loss
of Use policy, you must still meet these
requirements.
*Coverage limits subject to change.
Purchasing Auto Loss
of Use coverage
You can buy additional Auto Loss of Use
coverage when you purchase your Basic
Autopac coverage or you can add it at any time.
There are several ways to pay for Auto Loss of Use
along with your basic Autopac coverage:
• one-time payment by cash, cheque, debit or
credit card
• automatic withdrawals set up through your
bank or by credit card
• quarterly payments by cash, cheque,
debit or credit card
You’ll need to renew your Auto Loss of Use
coverage at the same time you renew your
Basic Autopac.
Any vehicle premium discount will apply to
Auto Loss of Use coverage.
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Is Auto Loss of Use
protection right for you?
4D
o you rely on your vehicle daily,
especially for work?
4D
o you only have access to one
vehicle?
4 I s using public transit inconvenient
or impractical for you?
If you answered yes to these questions,
talk to your Autopac agent about getting
extra protection with Auto Loss of Use.
Or in Winnipeg,
call Manitoba Public Insurance
204-985–7000
Outside Winnipeg, call toll-free
1–800–665–2410
04/13
FBR0092
mpi.mb.ca