Car insurance

Let our Autopac Authorized Agents help you find the right insurance for your vehicle. Please be aware that the links on this page will redirect you to the Manitoba Public Insurance site.

Get a QUICK QUOTE on your car insurance - Autopac.

Why a Wyatt Dowling insurance broker for your Autopac - car insurance?

With so many options it may be hard to know what you need for auto coverage. We are authorized Autopac (car insurance) agents ready to provide you with information
about different coverages that fit your budget and answer any questions you may have. Let Wyatt Dowling insurance brokers help you find the right insurance for your vehicle.

Are you a new or returning Manitoban resident?

We are conveniently located across the city with 10 different offices to help you navigate the license and registration process with Manitoba Public Insurance. We are available by phone or in person, however the following two links will help you research Manitoba Public Insurance’s registration process.

Common types of Autopac - car insurance coverage

All purpose

An all purpose passenger vehicle is used for pleasure driving and for driving to or from--or part way to or from--work or school, or for business purposes.


A pleasure passenger vehicle cant be used for any business purposes. It can only be driven to or from--or part way to or from--work or school up to 4 days in one month, and not more than 1,609 km (1,000 miles) to or from work or school during a rating term. It can be used to drive dependants to and from school, without limits. Students cant drive a vehicle to school regularly on pleasure use.

Common Carrier

A common carrier passenger vehicle (local) is used by a courier or common carrier within a city or municipality, or for any other delivery purposes in connection with a
business, trade or occupation, more than four days in one month or more than 1,609 km (1,000 miles) during a registration period.


Helpful tips when it comes to your Autopac - car insurance


For as little as $3.20 a month you can purchase up to $5,000,000 third party liability. This coverage provides you protection for:

  • Damages to another vehicle or other property in Manitoba.
  • Injuries to a person, or damages to another vehicle or other property outside Manitoba but within Canada and the United States.

Loss of use

If you rely on your vehicle daily, loss of use coverage will provide you coverage for the cost of replacement transportation if the vehicle is stolen or involved in an accident, regardless of fault.

Renting a vehicle

When renting or borrowing a auto, light truck, passenger van, motorcycle, moped and SUV vehicle you can purchase a policy through Manitoba Public Insurance. This will provide you with better coverage at a lower cost than most rental companies. This policy doesn t provide coverage for rented off-road vehicles, motorhomes, heavy trucks, buses or if you are using the vehicle for business deliveries.

How you use your vehicle

How you use your vehicle affects your likelihood of having a claim. Therefore there are different insurance uses which will affect your premium. For example, a person that uses there vehicle once a week to go to the grocery store is less likely to have a claim than a person that is using the vehicle daily as a courier.

Auto protection

Auto protection Purchasing a new vehicle can be a costly venture. To protect the value of your vehicle you can purchase this optional coverage. Most privately owned, new and late-model cars, SUVs, light trucks, motorcycles, mopeds and motorhomes qualify. The vehicle must be either brand new or, if used, no older than one model year old.

  • New auto protection New vehicle protection covers you against the depreciation of your vehicle if the vehicle is written off. This will provide you coverage for the purchase price plus inflation of the vehicle less the outstanding amount on your trade-in, service contracts, warranties or insurance. This coverage is available for you for up to two years.
  • Leased auto protection - Leased Vehicle Protection covers your down payment and any trade-in allowance on the vehicle you ve leased for up to two years, if it s written off. Leased Vehicle Protection is available for new and late-model leases.



Ways to save on your car insurance - Autopac?

Let Wyatt Dowling insurance Brokers find ways for you to save

Vehicle over 25 years old?

Do you have a passenger vehicle, light truck (gross vehicle weight of 4,540 kgs or less) or motorcycle, that is used for Pleasure’ only that is at least 25 years old? Does this vehicle have a value of at least $5,000 for passenger vehicles and light trucks or over $4,000 for motorcycle? If you answered yes to all of the above you would qualify for the collector vehicle program. Stop by and we will be happy to help you get the application process started.

Two or more vehicles

If you have two or more vehicles that you use for work, school or business, and only one of them is used for work, school or business at one time or on the same day; you can save money by insuring the higher rated one all purpose use and the other with pleasure use. As long as the vehicles are cars, passenger vans or SUV’s registered by you or your spouse living at the same address.

Not using your vehicle for an extended period

Lay up coverage If you are not using your vehicle for an extended period of time you could look on changing your vehicle to lay-up coverage. Lay-up provides for losses such as fire, theft and vandalism, hail and lightning excluding road use. There is no coverage for collision damage, claims others make against you, vehicles stored outside Manitoba or vehicles stored on public roadways.

Safe driving

Your safe driving record can provide you with savings up to 33% on your auto insurance and $30 off the base drivers licence premium.


Have questions about your auto insurance - Autopac or Manitoba Public Insurance products? Wyatt Dowling Insurance Brokers are always ready to answer

Leave your worries at our door.