Auto & Vehicle Insurance

For the everyday drive and everything beyond

Your vehicle gets you to work, gets the kids where they need to be, takes you out of town, and probably does a lot more than you give it credit for. The right insurance helps keep you moving when the unexpected happens.

Whether you’re insuring your first car, a family vehicle, a truck, a recreational vehicle, or vehicles for your business, Garriock Insurance can help you find coverage that fits. We’ll explain your options, help you understand what you’re paying for, and make sure you have the protection you need for the road ahead.

Because good vehicle insurance should be about more than just checking a box. It should make sense for you.

Mandatory coverage through Manitoba Public Insurance (MPI) that protects drivers against accidents, liability, and damage. We help Winnipeg families understand their Autopac options and add extra protection where needed.

Coverage for business-owned vehicles, protecting against liability, damage, and operational risks. Ideal for Winnipeg and Manitoba businesses that rely on vehicles daily.

Designed for companies with multiple vehicles, offering streamlined coverage and cost efficiency. Perfect for growing businesses across Manitoba, Ontario, Alberta, and Saskatchewan.

Provides higher liability limits beyond standard Autopac, giving families and business owners in Winnipeg added protection for serious accidents.

Specialized coverage for collector vehicles, ensuring agreed value protection and care for your prized investment.

Motorcycle Insurance provides protection for riders against the risks associated with operating one. Motorcycles come with increased exposure on the road, making the right coverage important.

GarTrack Vehicle Tracking System

Manage your fleet insurance on your schedule. GarTrack lets you securely log in, make policy changes, check your coverage and stay up to date without having to call your broker.

FAQ: Auto & Vehicle Insurance

Auto Insurance (Autopac)

What is Autopac insurance?
Autopac is Manitoba’s mandatory vehicle insurance program provided through Manitoba Public Insurance (MPI). It provides basic coverage for drivers, including protection for accident benefits, third-party liability, and damage to your vehicle in certain situations.

Is Autopac mandatory in Manitoba?
Yes. All vehicles registered in Manitoba must have basic Autopac coverage before they can be legally driven on public roads.

What does basic Autopac cover?
Basic Autopac includes coverage for things like personal injury protection, third-party liability, and certain vehicle damage claims. The coverage available depends on the type of claim and the circumstances of the incident.

Can I add extra coverage to my Autopac policy?
Yes. Drivers can purchase additional coverage options to increase protection beyond basic Autopac. These may include higher liability limits, lower deductibles, enhanced protection, and coverage for specific situations.

How can an insurance broker help with Autopac?
A broker can help you understand your coverage options, explain additional protection available, and make sure your insurance matches your vehicle, lifestyle, and personal risk.

Special Risk Extension

What is Special Risk Extension (SRE) insurance?
Special Risk Extension (SRE) provides additional liability protection above the standard Autopac limits. It is designed for drivers who want increased financial protection in the event of a serious accident.

Why would I need SRE coverage?
A serious accident can result in significant claims, especially if there are multiple injuries or extensive property damage. SRE can help protect your personal assets by increasing your available liability coverage.

Who should consider Special Risk Extension coverage?
SRE may be beneficial for drivers with significant assets, higher income, multiple vehicles, recreational properties, or anyone who wants additional protection beyond basic coverage.

Does SRE replace Autopac?
No. SRE is an extension of your existing Autopac coverage and provides additional protection beyond the basic mandatory coverage.

Commercial Auto Insurance

What is commercial auto insurance?
Commercial auto insurance provides coverage for vehicles used for business purposes. It helps protect businesses against vehicle-related risks, including liability, damage, and operational exposures.

Does my business vehicle need commercial auto insurance?
If a vehicle is primarily used for business purposes, it may require commercial coverage rather than personal auto insurance. The right policy depends on how the vehicle is used, who drives it, and the type of business.

What types of vehicles can be covered under commercial auto insurance?
Commercial auto coverage can apply to many vehicle types, including company cars, service vehicles, delivery vehicles, work trucks, and other vehicles used as part of business operations.

How is commercial auto insurance different from personal Autopac?
Personal Autopac is designed for personal vehicle use, while commercial auto insurance considers the additional risks associated with business operations, employees, customers, equipment, and higher vehicle usage.

Fleet Insurance

What is fleet insurance?
Fleet insurance provides streamlined coverage for businesses that operate multiple vehicles. It simplifies managing several vehicles under one insurance program while helping businesses manage risk.

How many vehicles are needed for fleet insurance?
Fleet requirements vary depending on the insurer and the type of business. Businesses with multiple vehicles may benefit from exploring fleet coverage options.

What are the benefits of fleet insurance?
Fleet insurance can make managing multiple vehicles easier by providing consolidated policies, consistent coverage, and simplified administration for business owners.

What types of businesses need fleet insurance?
Fleet insurance is commonly used by companies with service vehicles, delivery vehicles, transportation operations, trades fleets, and organizations that rely on multiple vehicles.

Classic & Antique Car Insurance

What is classic or antique car insurance?
Classic and antique car insurance provides specialized protection for collector vehicles that may have unique value, usage, and storage requirements compared to everyday vehicles.

How is classic car insurance different from regular auto insurance?
Classic car insurance is designed around the specific needs of collector vehicles, including agreed value coverage, limited usage, and considerations related to restoration and preservation.

What vehicles qualify for classic or antique car insurance?
Eligibility depends on factors such as the vehicle’s age, condition, value, usage, and whether it meets the insurer’s requirements.

Can I use a classic car as my everyday vehicle?
Many classic car policies have restrictions around daily driving and usage. Your broker can help determine what type of coverage is appropriate based on how you use your vehicle.

Motorcycle Insurance

What does motorcycle insurance cover?
Motorcycle insurance provides protection for riders against risks associated with operating a motorcycle, including liability, damage, and optional coverage designed for additional protection.

Is motorcycle insurance mandatory in Manitoba?
Yes. Motorcycles require mandatory Autopac coverage in Manitoba, along with additional options available for riders who want broader protection.

Can I customize my motorcycle insurance coverage?
Yes. Riders can choose additional coverage options based on their motorcycle, riding habits, and level of protection they want.

Does motorcycle insurance cover theft or damage?
Coverage for theft, vandalism, and damage depends on the specific protection selected. Your broker can help you understand the options available.

General Auto Insurance

How much auto insurance coverage do I need in Manitoba?
The right amount of coverage depends on factors such as your vehicle, assets, driving habits, and personal risk. Many drivers choose additional protection beyond mandatory coverage for greater peace of mind.

How can I lower my auto insurance costs?
Insurance costs can be influenced by factors such as your vehicle, driving history, coverage choices, and available discounts. Reviewing your coverage regularly can help ensure you are getting appropriate protection at a competitive price.

Do I need additional coverage if I already have Autopac?
Basic Autopac provides important protection, but many drivers choose additional coverage to increase liability limits, protect their vehicle, or cover risks not included in basic coverage.

Why choose Garriock Insurance for auto insurance?
Garriock Insurance helps Manitoba drivers understand their Autopac options and find additional coverage that fits their needs. Our experienced brokers provide guidance for personal vehicles, commercial vehicles, fleets, motorcycles, and specialty vehicles.

Coverage varies by policy and operation. Contact us for specifics.