Auto Insurance in SK and MB

For whatever you own that goes VROOM.

Auto Insurance SK and MB

Personal vehicles:

  • You absolutely have to have:
    • Third-Party Liability
    • Accident Benefits / Personal Injury Protection (like medical expenses)
    • Uninsured Motorist / Underinsured Protection (in case the at-fault driver has too little insurance)
  • But you might also want to get:
    • Collision Coverage (an at-fault accident, or a hit-and-run)
    • Comprehensive Coverage (For things like theft, vandalism, weather damage, etc.)
  • Additional considerations
    • Rental vehicle coverage (in case yours is in the shop)

RVs:

  • Activate coverage before you hit the road
  • Review storage damage risks

Classic cars:

  • Insure it for its true value
  • Know your mileage restrictions
  • Consider coverage for spare parts and restoration
  • Ask about event and show coverage (she’s too pretty to sit in the garage all year!)

Trailer:

  • Insure your travel trailer for camping and recreation

  • Insure your utility trailer for hauling tools, equipment or personal items

  • Insure your boat trailer
  • Insure your ATV trailer
  • Insure your livestock trailer

Liability: If the trailer causes damage or injury, the insurance on the pulling vehicle is likely to cover liability. The trailer owner may also be sued. 

Commercial vehicles:

  • Make sure you have liability coverage for at least the minimum legal requirement.
  • Ask about physical damage coverage (collision and comprehensive).
  • You might also want uninsured/underinsured motorist protection.
  • Hired & non-owned auto (HNOA) coverage (for rentals or employee-owned vehicles used for work).
  • Higher, long-distance converge for mileage and radius for prairie provinces
  • Finally, ask about custom equipment/tools coverage (racks, lifts, wraps, etc.).
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