Manitoba Public Insurance Applies for 1.8% Overall Rate Increase Average family passenger vehicle will increase $18 per year

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1 Manitoba Public Insurance Applies for 1.8% Overall Rate Increase Average family passenger vehicle will increase $18 per year June 14, 2013 For the first time in 10 years, Manitoba Public Insurance has asked the Public Utilities Board for an increase to Basic Autopac rates. If approved, rates will increase by1.8 per cent for the 2014/15 insurance year. Overall rates decreased by 4 per cent in 2011, 8 per cent in 2012, and remained stable in For 14 of the last 15 years, the Corporation has either held the line or reduced rates. This has resulted in a cumulative, total rate decrease of 17.8 per cent for autopac ratepayers, said Marilyn McLaren, President and Chief Executive Officer, Manitoba Public Insurance. A moderate increase in claims experience combined with lower than expected investment income has resulted in a slight increase in Autopac rates for 2014/15. A December 2012 report released by Deloitte shows that Manitobans pay the lowest auto insurance premiums in Canada, McLaren noted. If the application is approved, a total of 707,090 vehicles owners will receive a premium increase. Of the vehicles that will receive premium increases, most will be less than $50. A total of 342,319 vehicle owners will receive a premium decrease or stay the same in The average passenger vehicle premium will be $898. Overall: 67 per cent of premiums will increase (707,090 vehicles). 603,377 vehicles will increase by $50 or less. 25 per cent of premiums will go down (259,085 vehicles). Of those decreasing, 92 per cent 238,587 vehicles will decrease by $50 or less Eight per cent of premiums will remain unchanged (83,234 vehicles) Northern Manitoba In total, 97.3 per cent (9,897) of passenger vehicles will receive rate decreases in the far north (all areas north of the 55th parallel, including Thompson, Lynn Lake and Churchill). As well, 85.6 per cent (12,733 units) will receive rate decreases in the near north (north of the 53rd parallel, including Flin Flon, The Pas and Grand Rapids). Over the past four years if this application is approved vehicle owners in the far north will have received average rate decreases totaling 22.6 percent or $197, while in the near north the average rate decrease is 21.6 percent or $176. more

2 Motorcycle Rates For motorcycles (excluding mopeds and small-engine displacement motor scooters) the Corporation has applied for an average rate decrease of 7.6 per cent or $83 per vehicle. If approved, the average motorcycle rate will decrease to $1,001 from $1,084. Mopeds and small-engine displacement motor scooters will experience an average rate increase of 15.1 per cent, if approved by the PUB. The average rate for these vehicles will increase from $287 to $330 per year, or by $43. Annual report: Four decades of service and stability Manitoba Public Insurance also filed its 2012 annual report with the Legislature today. The report reflects the Corporation s history of prudent fiscal management and customer service commitment and demonstrates our continued ability to offer all Manitobans comprehensive coverage at among the lowest rates in the country. The Corporation s fiscal performance was affected by the investment markets and increased claim costs, resulting in a net operating loss of $48.1 million. Last year, Manitobans filed an average of 1,153 claims daily, and the corporation paid out $2.4 million in benefits, every working day. The average cost per claim is $2, Contact: Manitoba Public Insurance Media Relations Unit (204) or (toll-free in Manitoba)

3 BACKGROUNDER Today s rate application proposes a 1.8 per cent increase in overall premium revenue for 2013/14. This is the first time in 10 years that Manitoba Public Insurance has requested an increase. For 14 of the last 15 years, the Corporation has either held the line or reduced rates. This has resulted in a cumulative, total rate decrease of 17.8 per cent for Manitoba vehicle owners. Motorcycle rates will decrease overall 7.6 per cent. More than 10,000 motorcycle owners will receive a rate decrease. If approved, the average motorcycle rate will decrease to $1,001 from $1,084. Mopeds and small-engine displacement motor scooters will experience an average rate increase of 15.1 per cent. The average rate for these vehicles will increase to $330 from $287. Last year, Manitobans filed an average of 1,153 claims daily, and the Corporation paid out $2.4 million in benefits, every working day. There were 161,466 collision claims reported in Manitoba during 2012/13, compared to 149,764 in 2011/12. If approved, the rates take effect March 1, However, because of staggered renewals, some Manitobans will not start paying these rates until February 28, The PUB will rule on the proposed rates after public hearings in late September and October 2013.

4 Basic Autopac 2014 Effect of rate application on vehicle premiums $100 or more + $80 to $99 0.3% 0.9% + $50 to $80 8.7% + $20 to $ % + $1 to $ % No Change - $1 to $20 - $20 to $50 2% 7.9% 20.8% 68.8% will change by + or - $20 - $50 to $80 1.3% - $80 to $99 0.3% - $100 or more 0.4%

5 History of Rate Changes 4 + % _ YEAR

6 Passenger Vehicle Average Premium Growth (Statistics Canada) 1998 to present Percentage Change since % 140% 120% 100% 80% 60% 40% Total average premium growth from 1998 to 2012 (Stats Can): Manitoba: 14.9%, 0.9%/year Saskatchewan: 38.6%, 2.2%/year British Columbia: 46.3%, 2.6%/year Canada: 83.9%, 4.5%/year Ontario: 98.3%, 4.7%/year Alberta: 135.5%, 5.8/year 20% 0% -20% Fiscal year Ending n Manitoba n Saskatchewan n British Columbia n Canada n Ontario n Alberta

7 $9,160 $8,160 $4,450 Among the lowest vehicle rates in Canada 21 year old male primary driver, 5 years claims and convictions free; and no secondary driver $4,000 $3,500 $3,000 $2,500 $2,000 $1,500 $1,000 $500 $2,287 $1,631 $1,433 $3,011 $2,824 $1,396 $1,064 $960 $960 $1,300 $1,076 $1,031 $2,340 $1,889 $1,039 $2,298 $1,780 $1,149 $2,174 $2,435 $991 $2,461 $2,232 $1,019 $2,596 $2,783 $1, year old female primary driver, 15 years claims and conviction free; secondary 40 year old male driver with 15 years claims and conviction free; and secondary 16 year old male with claims and conviction free 35 year old female primary driver; 35 year old male secondary driver; both 15 years claims and conviction free 2013 rates based on: 2010 Dodge Grand Caravan SE, $500 All Perils deductible, $2 million third-party liability 0 Vancouver Calgary Regina Notes: 1. The 2010 Dodge Grand Caravan SE is the most common passenger vehicle registered in Manitoba. 2. Manitobans will pay less for their automobile insurance in 2013 than other major Canadian cities. Winnipeg Toronto Saint John Montreal St. John s Charlottetown Halifax

8 Among the lowest motorcycle rates in Canada $2,721 $2,996 $3,898 $1,297 $2,777 $5,376 $2,682 $5,443 $3,722 $2,682 $5,443 $3, year old male, 15 years claims and conviction free 45 year old male, one at-fault claim in the last year and 14 years claims and conviction free prior 21 year old male, 5 years claims and conviction free $4,000 $3,500 $3,000 $2,500 $2,000 $1,415 $1,484 $1,582 $1,060 $1,190 $2, rates based on: 2009 Harley Davidson Ultra Classic, $500 collision deductible, $500 comprehensive deductible, $2 million third-party liability $1,500 $1,000 $500 0 Vancouver Calgary Regina $1,207 $1,347 $1,516 Notes: 1. The 2009 Harley Davidson Ultra Classic is the most common touring motorcycle registered in Manitoba. 2. Manitobans will pay less for their motorcycle insurance in 2013 than other major Canadian cities. Winnipeg Thunder Bay Toronto Montreal

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