Welcome to expertins.ca!
Expert Insurance Services has been serving
Winnipeg for over 40 years and offers a complete line of insurance
products including Homeowners, Tenants, Condominium, Commercial,
Farm, Life, Disability, Travel, RRSP, and Autopac.
Conveniently in the downtown core across the street from the
Winnipeg Convention Centre.
Streamlined renewal process
In January of 2010 Manitoba Public Insurance (MPI) introduced the Streamlined Renewal
Process (SRP). The purpose of this change was to make it more convenient for customers
to renew their Autopac policies, drivers licences and identification cards.
During the transition period customers have been given a multi-year term of one to five
years in order to evenly spread out the renewals. Once the program is fully implemented
customers will only need to renew their insurance once every five years.
The agency that a customer visits for these renewals will be the agency that receives
commissions on these items until they are up for renewal again in five years, regardless
of where future payments or changes are made. Customers are able to request that MPI
change their designated broker provided they have at least three eligible Autopac
policies. Customers who have fewer than three policies are not able to change which
broker is compensated for their business.
In the renewal year a customer will need to have a new photo taken for the drivers
licence and new registrations and stickers for the vehicles. In the other years all that
required is a payment. This payment can be made at any Autopac agency or via online and
telephone banking or over the phone to an agent, though some agencies may not accept
payment over the phone.
Most MPI products, including the Drivers Licence are eligible for pre-authorized
financing for a fee of $4 plus interest for each item being financed. Items that are
financed by preauthorized payments will not require customers to renew the payment
schedule every year. These payments will continue from the same account or credit card as
they had in the previous year with the amounts adjusted to reflect changed in rates or
Certain classes of vehicles, such as a Commercial Truck with a GVW over 4,500kg or Public
Service Vehicles have additional legal requirements and are not eligible for multi year
renewals. These vehicles will require new registrations and stickers every year.
If you have any questions about this new renewal process, please
contact us. We would be happy to
answer any questions you may have.
Insuring a Vehicle in Manitoba
Buying a new or used car? Having the proper documentation when
you come to get it registered will ensure quick and hassle free
Used vehicle purchases through a dealer must include a Bill of
Sale and Transfer of Ownership Document (TOD) which must be
signed by both purchaser(s) and seller(s) and have the correct
odometer reading. Dealers must also give buyers a new Certificate
of Inspection (COI).
If the vehicle is brand new, the dealership must provide a New
Vehicle Information Statement (NVIS) as well as the Bill of Sale.
In most cases new vehicles do not require a COI or a TOD.
Private vehicle purchases also need to include a Bill of Sale,
Transfer of Ownership (TOD) signed by both the seller(s) and
purchaser(s) along with the current odometer reading. A valid
vehicle safety is required before the vehicle can be registered
in Manitoba. You may need to have a safety done if the safety is
not current or valid on the vehicle that you purchased. Check the
bottom right corner of the registration card to see if a new
safety is required.
Remember that it is very important to have all the documents
signed by everyone who is involved with the purchase and sale of
the vehicle. A Bill of Sale should include the date of the sale,
the full vehicle description including year, make, model, serial
number, the purchase price, as well as the names, signatures and
addresses of the purchaser(s) and seller(s). If you require, we
have a blank Bills of Sale available. If the vehicle is owned by
two people, then BOTH signatures must be on all documents. Also,
when you purchase a vehicle privately, only the PST will have to
be paid when you register the vehicle.
Please feel free to stop in or contact us at 944-0249 with any
questions you may have and one of our insurance brokers would be
happy to assist you!
Insuring your Snowmobile This Winter.
About 25,000 snowmobiles are registered annually in Manitoba, but
only two-thirds have coverage beyond the basic insurance for
off-road vehicles (ORVs). As a snowmobile owner, you might not
realize the limits of your basic coverage -- until you submit a
claim. Basic snowmobile insurance doesn't provide the same injury
protection as basic auto insurance. You should understand what
protection is offered through the basic insurance then decide
whether or not to purchase extended coverage.
The provincial Off-Road Vehicles Act sets out the basic ORV
coverage Manitoba Public Insurance
offers. ORV basic insurance offers third party liability protection
to $200,000 -- but unless you buy additional coverage, you are
responsible for paying any costs above $200,000 if you cause
injury to another person or damage someone else's property with
your machine. These costs may include property replacement, lost
income, medical and rehabilitation costs and more. If you are
injured with no one to sue, you will be responsible to pay for
these costs yourself.
MPI offers optional coverages beyond basic ORV insurance. Accident
Benefits coverage offers financial protection for an owner's
injuries, while Family Protection gives an owner's entire family
financial protection if a family member is injured by an at-fault
driver carrying too little or no insurance.
Another thing to consider when registering an ORV is whether to buy
coverage for damage or theft. While the basic coverage does not
provide coverage for these, both collision damage coverage and
comprehensive coverage can be purchased with a $200 or $500
deductible. As well, third party liability can be extended from the
basic level of $200,000 required by law up to $5,000,000.
Please feel free to contact us for more information.
Manitoba Public Insurance "Road Safety" (12/12/2007)
Going Away This Winter?
We at Expert Insurance Services, are pleased to offer Blue Cross
travel insurance as well as Travel Underwriters travel insurance to
all who are travelling this season. Depending on your travel needs,
there are policies for deluxe travel health, annual travel, trip
cancellation, tour package, travel accident and student travel
For people who will be renting a vehicle during their trip, we
offer a rental car policy through Manitoba Public Insurance.
It is an excellent policy that includes a $100 deductible for all
perils and $5,000,000 third party liability. It is also much less
expensive than insurance options that rental car companies
If you have any further questions or would like more information on
these or any other products, please stop in or call our office at
944-0249 and we will be happy to assist you.
Before you Move...
Please check the vehicle registration and insurance rules in the
province, territory or state where you are moving. You may need to
register and insure your vehicle shortly after you arrive,
sometimes even a few weeks or less. Remember it is your
responsibility to ensure that you are correctly insured. You can
find the contact information for each province
here, or from the website of the
province, territory or state you are moving to.
While still in force your Autopac includes all perils, third party
liability and Personal Injury Protection Plan coverage. Your
Autopac coverage ends when:
- The place you have moved to requires you to
register your vehicle
- You register your vehicle in your new
- Your Autopac expires or you are suspended
for not making payment on time
- You cancel your insurance.
Once you leave Manitoba your personal Injury Protection Plan
coverage only applies if you are injured while driving or riding
your Manitoba plated vehicle.
Your new insurer may require written record of your claims history
in Manitoba. Manitoba Public Insurance will provide you with a
Claims Experience Letter for a $15 fee. In Winnipeg call 985-7000;
outside Winnipeg call toll free 1-800-665-2410. MPI will accept
Visa or Mastercard for requests over the phone and the Claims
Experience Letter will be mailed to you once payment is received.
After registering your vehicle in your new location, send a
photocopy of your new vehicle registration to: Manitoba Public
Insurance, Box 6300 Winnipeg, MB, R3C 4A4. Please include a letter
with your return address and your signature authorizing MPI to
cancel your insurance. You can also fax this information to
(204)985-7840. Unless you cancel your insurance you will not
receive a refund for unused premium and you may continue to make
payments, even though MPI may not respond to any claims you may
If you have any questions, please call us at 944-0249 or MPI at