Loss of Use. Basic Autopac coverage Optional Extension coverage for extra protection

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1 Loss of Use Basic Autopac coverage Optional Extension coverage for extra protection

2 Stay on the road with Loss of Use coverage 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 Extension Loss of Use coverage. It covers you if your vehicle is stolen or accidentally damaged, including if you re in a collision. 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 vehicle is reported stolen before the coverage comes into effect.) Daily coverage limit of $34 with a total limit of $1,020 (taxes included).*

3 You are not covered if your vehicle is accidentally damaged, including in a collision. * Coverage limits subject to change. Motorcycle and moped customers should contact an Autopac agent to ensure they qualify for full coverage. 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 adjusting team 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. Additional Extension Loss of Use coverage You can purchase additional Extension 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. Choose the level of Extension Loss of Use to best meet your needs: Extension Loss of Use Level 1 covers loss of use costs if your vehicle is stolen or damaged accidentally covers the cost to rent an entry-level vehicle (typically called Economy or Subcompact by rental companies) daily coverage limit of $39.02 with a total limit of $1, (taxes included)*

4 Extension Loss of Use Level 2 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) daily coverage limit of $68 with a total limit of $2,040 (taxes included)* Extension Loss of Use Level 3 (motorcycle/moped only) covers loss of use costs if your motorcycle or moped is stolen or damaged accidentally covers the cost to rent a motorcycle, moped or large vehicle daily coverage limit of $135 with a total limit of $4,050 (taxes included)* Note: Some rental companies have age and/or credit card requirements for renting vehicles. To rent a vehicle through Extension Loss of Use coverage, you must still meet these requirements. *Coverage limits subject to change. Purchasing Extension Loss of Use coverage You can buy additional Extension 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 Extension 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* Motorcycles * and mopeds are not eligible for quarterly payments.

5 You ll need to renew your Extension Loss of Use coverage at the same time you renew your Basic Autopac. Any vehicle premium discount will apply to Extension Loss of Use coverage. Talk to your Autopac agent about getting extra protection with Extension Loss of Use. Or call Manitoba Public Insurance: In Winnipeg Outside Winnipeg toll-free: /15 FBR0092 mpi.mb.ca

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