MPI Deductibles in Manitoba: The C$1,000 Basic Deductible Explained
For most cars, SUVs and light trucks with policies effective from April 1, 2026, the Basic Autopac deductible is C$1,000. Drivers can buy eligible lower-deductible options separately.
The Basic deductible for most passenger vehicles increased from C$750 to C$1,000 effective April 1, 2026.
The deductible is the policyholder's share of a covered physical-damage claim unless a specific waiver or exception applies.
MPI offers optional products that can lower the deductible for eligible claims.
A higher Basic deductible changes claim economics
Moving from C$750 to C$1,000 increases the amount a policyholder may need to absorb before insurance responds to a covered physical-damage claim. That matters most for smaller losses near the deductible amount.
Lower deductible options are a price-versus-risk choice
Paying extra for a lower deductible can reduce out-of-pocket exposure after a covered loss. The trade-off should be evaluated using the additional premium and the deductible difference rather than assuming the lowest deductible is always best.
Use the actual policy wording
Deductible treatment can differ by coverage and claim circumstances. The Basic deductible headline is useful context, but the declaration page and MPI rules control a specific claim.
Check the current Manitoba rule or explanation
Canada Rate Lab summarizes the consumer-facing structure, but MPI or the applicable regulator controls if a rate, rule, limit or benefit changes.
MPI — Basic deductibles →More Manitoba auto research
Measure your own policy
Public rate orders and insurance rules provide context. Your own renewal remains the personal benchmark, and it should be compared before attributing a change to one factor.