Automobile Insurance Plan Regulation

Automobile Insurance Plan Regulation, M.R. 49/2019 The Manitoba Public Insurance Corporation Act , C.C.S.M. c. P215 Regulation 49/2019 Registered February 19, 2019 bilingual version (HTML) Table of Contents Section PART 1 GENERAL PROVISIONS 1 Definitions 2 Applicable provisions of Insurance Act 3 Authority of corporation to insure 4 Discount for approved anti-theft device 5 Establishing customers' document expiry dates 6 Annual rate reassessment 7 Service provider agreements PART 2 DRIVERS' CERTIFICATES DIVISION 1 — PREMIUMS 8 Premium for a drivers' certificate 9 Repealed 10 Disclosing events that are or may be input factors 11 Cancellation of a driver's certificate DIVISION 2 — GENERAL PROVISIONS RE DRIVERS' CERTIFICATES 12 Expiry of driver's certificate 13 Who may receive a driver's certificate 14 Premiums proportionately charged for part of a year 15 Automatic cancellation PART 3 OWNERS' CERTIFICATES AND CERTIFICATES DIVISION 1 — DEFINITIONS AND GENERAL PROVISIONS 16 Definitions for Parts 3 and 4 17 Owner's certificate and certificates DIVISION 2 — BASIC PREMIUMS FOR OWNERS' CERTIFICATES AND CERTIFICATES 18 Payment of premiums 19 Premiums fixed by rating factors 20 Territory 21 Commercial truck or passenger vehicle operated outside Manitoba 22 Change of name or address of registered owner 23 Change of use or value of vehicle 24 Change of class or gross weight of vehicle 25 Payment of additional amount 26 Refund 27 Administration fees 28 Midterm changes in vehicle premium DIVISION 3 — VEHICLE PREMIUM DISCOUNTS 29 Driver safety rating determines discount 30 Vehicles that qualify for a vehicle premium discount 31 Active driver's licence required for vehicle premium discount 32 Effect of appeal-based changes in driver safety rating 33 Driver safety rating of assigned driver DIVISION 4 — EXTENSION INSURANCE 34 Owner may apply 35 Motorcycle or moped extension comprehensive coverage 36 Off-road vehicle underinsured motorist coverage 37 Off-road vehicle accident insurance benefits 38 Off-road vehicle underwriting surcharge 39 Obligation to provide and update information re usual driver DIVISION 5 — EXCESS VALUE COVERAGE 40 Application and coverage DIVISION 6 — FLEETS 41 Definitions for Division 6 42 When vehicles constitute a fleet 43 Assessment of surcharge and refunds 44 Interest on fleet surcharges 45 Exception 46 Authority of chief executive officer DIVISION 7 — GENERAL PROVISIONS 47 Recovery of arrears and interest 48 Cancellation 49 Converting a long-term policy to short term 50 Owner notification 51 Owner notification re vehicle protection extension coverage 52 Foreign travel credit 53 Application may be rejected for some extension coverage risks 54 Application for or reassessment of a policy after policy period begins 55 Grace period re early applications 56 Substitutions 57 Substituted vehicle in different rating group 58 Replacement documents 59 Refund 60 Prescribed forms 61 Documentation for insurance 62 Renewals and annual rate reassessments 63 Information required for annual rate reassessment 64 What premium applies 65 Four-payments financing plan for annual policy 66 Pre-authorized payment plan 66.1 No credit card payments after May 23, 2019 67 Default under either financing plan 68 Fee for dishonoured cheque, debit or charge 69 Pre-authorized payment agreement limitations 70 Completion of application 71 Entitlement of applicant PART 4 AGENTS 72 Agent of corporation 73 Scope of authority 74 Qualifications 75 Appointment by chief executive officer 76 Continuous qualification 77 Death of agent 78 Agent may solicit 79 Agent's manual 80 Bankruptcy 81 Agent's list if in default 82 Suspension in the event of breach PART 5 VEHICLES EXEMPTED 83 Vehicles used interprovincially PART 6 COMING INTO FORCE 84 Coming into force Schedule A Agent's transactions B Insurance uses C Body style descriptions D Credit payable on cancellation or surrender of certificate D.1 Credit on cancellation or surrender of certificate not seasonal products E Underwriting surcharges PART 1 GENERAL PROVISIONS Definitions 1 The following definitions apply in this regulation, except as otherwise provided. "Act" means The Manitoba Public Insurance Corporation Act . («  Loi  ») "anchor date" means the date as of which a customer's driving record and accident history record are considered fixed for determining eligibility for a vehicle premium discount and applicable underwriting surcharges and (a) in the case of a new application (i) by a new applicant, is the day before the effective date of the policy, or (ii) by an applicant who is or has been a customer of the corporation, is the applicant's annual selection date; (b) in the case of a renewal application processed in respect of an annual or multi-year policy not more than 30 days after the policy expired, is the customer's annual selection date; (c) in the case of a reapplication in respect of an annual or multi-year policy that — other than by expiring — became inactive in the customer's previous registration period, is the customer's annual selection date; (d) in the case of the reactivation of an annual or multi-year policy, is the anchor date which was in effect for the annual policy or the annual rating term of the multi-year policy; (e) in the case of a reapplication for a short-term policy made before a customer's anniversary day by a customer who has an about-to-expire policy covering the same vehicle or who had a policy covering the same vehicle that became active and inactive in the period between the day of the reapplication and his or her previous anniversary day, is the anchor date of the first policy issued for the vehicle within that period; (f) in the case of a reapplication for a short-term policy other than a reapplication referred to in clause (e), is the day before the effective date of the short-term policy; (g) in the case of a midterm change or transfer of coverage, is the anchor date of the policy (i) in respect of which the change is made, or (ii) that provided the coverage immediately before the transfer; (h) in the case of an estate-to-spouse transfer, is the anchor date of the deceased person's policy, unless that date was before the surviving spouse's most recent anniversary day, in which case it is the surviving spouse's most recent annual selection date; and (i) in the case of a fleet buyout transfer, is the anchor date of the seller's policy on the fleet, unless that date was before the purchaser's most recent anniversary day, in which case it is the purchaser's most recent annual selection date. (« date de reference ») "anniversary day" , in relation to (a) an individual who does not have a vehicle registered under the International Registration Plan and in relation to the individual's driver's certificate, owners' certificates or other certificates, or matters affecting his or her driver safety rating, (i) means the day that annually is four months after the individual's birthday, or (ii) if the fourth month after the individual's birth month does not contain a day with the same number as the number of his or her birthday, means the last day of the fourth month after his or her birth month; (b) an individual who has a vehicle registered under the International Registration Plan and in relation to (i) the individual's driver's certificate or matters affecting his or her driver safety rating, (A) means the day that annually is four months after the individual's birthday, or (B) if the fourth month after the individual's birth month does not contain a day with the same number as the number of his or her birthday, means the last day of the fourth month after his or her birth month, (ii) the individual's owners' certificates or other certificates in respect of vehicles that are not registered under the International Registration Plan, means (A) the day referred to in paragraph (i)⁠(A) or (B) that applies to the individual, or (B) if subsection 3(2.4) of the Vehicle Registration Regulation , Manitoba Regulation 57/2006, applies to the vehicle's registration, the day referred to in subclause (iii), or (iii) the individual's owners' certificates in respect of vehicles that are registered under the International Registration Plan, means the first day of the month that he or she selects in accordance with section 4 of the Vehicle Registration Regulation ; or (c) a body corporate, a government body or a registered charity, means the first day of the month that it selects in accordance with section 4 of the Vehicle Registration Regulation . (« jour anniversaire ») "annual rate reassessment" means the reassessment by the corporation of the premium rate that applies to a customer's annual rating term, in accordance with section 6. (« réévaluation annuelle du tariff ») "annual rating term" , in relation to (a) a driver's certificate, means the 12-month period, beginning on any of the certificate holder's anniversary days during the certificate's period of validity and ending on the day before his or her next anniversary day, in respect of which an annual premium is specified; (b) an annual policy (as defined in section 16), means the period, coinciding with the term of the policy, in respect of which a premium is specified; or (c) a multi-year policy, means the 12-month period, beginning on any of the policy holder's anniversary days during the policy's term and ending on the day before his or her next anniversary day, in respect of which an annual premium is specified. (« période de tarification annuelle ») "annual registration period" has the same meaning as in the Vehicle Registration Regulation . (« période d'immatriculation annuelle ») "annual selection date" means the day that (a) is 47 days before a person's anniversary day; or (b) if the day described in clause (a) falls on a holiday, is a day selected by the corporation that is as close as reasonably practicable to the day described in clause (a). (« date de sélection annuelle ») "benefits" means any payment for loss in respect of death or bodily injuries, that the corporation is authorized or required to make under Part II of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, under Part II of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000, or under Part II of the Act. (« prestations ») "comprehensive coverage claim" means a claim in respect of which insurance moneys have been paid by the corporation, within the underwriting surcharge period, to the vehicle owner under a motorcycle or moped c omprehensive coverage policy. (« demande d'indemnisation — garantie tous risques ») "demerit level" has the same meaning as in section 1 of the Driver Safety Rating System Regulation, Manitoba Regulation 13/2009. (« niveau de démérite ») "document expiry date" means the date established by the corporation under section 5. (« date d'expiration de documents ») "driver's licence" means driver's licence as defined under The Drivers and Vehicles Act . (« permis de conduire ») "driver safety rating" means a person's driver safety rating under the driver safety rating system established by the Driver Safety Rating System Regulation . (« cote de conduite ») "insurance moneys" means any payment that the corporation is authorized or required to make under Part III, IV, V, IX, X, XI, XII or XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, or Part III, IV or VII of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000. (« sommes assurées ») "insured" means (a) a person to whom, or in respect of whom, or to whose dependants, benefits are payable if bodily injuries are sustained by that person as a result of the perils referred to in Part II of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, in Part II of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000, or Part II of the Act, whether or not he or she is named in a certificate; (b) a person to whom insurance moneys are payable if loss or damage to a vehicle results from one of the perils referred to in Part III, X or XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, or Part III of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000; (c) a person to whom, or on whose behalf, insurance moneys are payable, if bodily injury to, or the death of, another, or damage to property, for which that person is legally liable, results from one of the perils referred to in Part IV or Part XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, or Part IV or Part VII of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000 , whether or not he or she is named in a certificate; and (d) a person to whom insurance moneys are payable as reimbursement for expenses incurred for a substitute vehicle under Part IX of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« assuré ») "licence period" means a licence period within the meaning of The Drivers and Vehicles Act . (« période de permis ») "merit level" has the same meaning as in section 1 of the Driver Safety Rating System Regulation . (« niveau de mérite ») "multi-year driver's licence period" has the same meaning as in the Driver Licensing Regulation . (« période de permis pluriannuel ») "multi-year policy" means a policy that is issued to coincide with a customer's multi-year registration period or multi-year driver's licence period and has an expiry date which is the day before the customer's anniversary day immediately following the end of that period. (« police pluriannuelle ») "multi-year registration period" has the same meaning as in the Vehicle Registration Regulation . (« période d'immatriculation pluriannuelle ») "reactivation" means an application to reactivate an annual policy that became inactive within the current policy period or a multi-year policy that became inactive in the current annual rating term. (« rétablissement ») "reapplication" means an application (a) for renewal of an annual policy or multi-year policy if it became inactive in an earlier registration period or if the application is made more than 30 days after the policy's expiration date; (b) for coverage for part or all of an annual rating term of a multi-year policy if the policy became inactive in an earlier annual rating term of the current registration period or if the application is made more than 30 days after the end of the customer's previous annual rating term; or (c) for a short-term policy, (i) if the customer is insured under an active short-term policy covering the same vehicle, or (ii) if the customer was previously insured under a policy covering the same vehicle that has become inactive. (« reproposition ») "registration class" means registration class as prescribed under subsection 30(1) of the Vehicle Registration Regulation. (« classe d'immatriculation ») "underwriting surcharge period" means the three years prior to the policy anchor date. (« période de complément de prime technique ») "universal compulsory automobile insurance" means insurance provided under Parts II, III and IV of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, under Part VII of the Off-Road Vehicle Insurance Coverage Regulation , Manitoba Regulation 139/2000, or under Part II of the Act. (« régime universel obligatoire d'assurance-automobile ») "vehicle premium discount" means the discount, established by the corporation under the Act in reference to an individual's driver safety rating, in respect of (a) the individual's basic premium; and (b) if applicable, the premium for extension insurance that the individual obtains in respect of the vehicle covered by an owner's certificate. (« remise de prime pour véhicules ») M.R. 40/2021 Applicable provisions of Insurance Act 2(1) The following provisions of The Insurance Act apply to universal compulsory automobile insurance, and to the corporation in respect of universal compulsory automobile insurance: (a) sections 118, 128, 129, 132 and 236; (b) subsection 239(3); (c) section 248; (d) subsection 249(1); (e) sections 255 and 256; (f) subsection 272(1). 2(2) For the purpose of engaging in, and carrying on the activity of, automobile insurance under Part 3, Division 4 of this regulation and Parts V and VI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, the following provisions of The Insurance Act do not apply, either to the corporation, or to that activity: (a) Parts I, II, IV, V, VI, XV and XVI; (b) subsections 119(1) and (2) and 120(1); (c) section 121; (d) subsections 124(1) and (2); (e) sections 125, 126, 130, 131, 133 to 136, 233 and 235 to 238; (f) subsections 239(1) and (2); (g) sections 240 to 247; (h) subsections 249(1), (2) and (3); (i) sections 250 and 257 to 271. 2(3) For the purpose of engaging in, and carrying on the activity of, automobile insurance, other than under the terms and conditions set out in Part 3, Division 4 of this regulation and Parts V and VI of the Automobile Insurance Coverage Regulation , the following provisions of The Insurance Act do not apply either to the corporation, or to that activity: (a) Parts I, II, IV, V, VI and XV; (b) subsections 119(1) and (2) and 124(1) and (2); (c) sections 126, 130, 133 and 135; (d) subsections 249(1), (2) and (3); (e) section 257. M.R. 40/2021 Authority of corporation to insure 3 Subject to subsection 2(2) and 2(3), the corporation may engage in, and carry on the activity of, automobile insurance, as "automobile insurance" is, from time to time, defined in The Insurance Act . Discount for approved anti-theft device 4(1) The corporation must discount the annual premium payable for an annual policy or for an annual rating term of a multi-year policy if the vehicle covered by the policy is equipped with an electronic immobilization system for motor vehicles that (a) is approved for use in Canada as an approved theft deterrent system by The Insurance Bureau of Canada; and (b) is installed (i) by a facility that is approved by the registrar as an authorized installation facility for electronic immobilization systems for motor vehicles, or (ii) by the manufacturer as optional equipment before the vehicle's delivery to the policy holder or applicant for the policy. 4(2) The corporation may determine the amount of the discount and may change the amount from time to time. Establishing customers' document expiry dates 5(1) When a person applies for his or her first multi-year policy the corporation must establish the person's document expiry date for the purpose of determining the policy period of the policy and the document expiry dates that apply to the person's later multi-year policies. The first document expiry date is the last day of the driver's licence period or registration period in respect of which the person obtains the multi-year policy. 5(2) Once a person's document expiry date is established under subsection (1), his or her next document expiry date follows the first by the period that corresponds to a multi-year driver's licence period or multi-year registration period. Each later document expiry date follows the previous document expiry date by the same period. 5(3) A person's document expiry date cycle, set out in subsection (2), governs the coverage expiry date of all multi-year policies the person applies for. 5(4) Despite subsection (2), the corporation may change a person's document expiry date from time to time if the person's anniversary day changes or the corporation considers it necessary to make the change. 5(5) Despite the definitions "annual registration period", "annual rating term" and "multi-year registration period" in section 1 and despite any other provision of this regulation respecting the expiration of policies, when a person's document expiry date changes, the corporation may make any adjustment to the expiration date and annual rating terms of any multi-year policy in the person's name that it considers necessary taking into account the new document expiry date and the maximum policy period of a multi-year policy. 5(6) Without limiting the generality of subsection (5), (a) the corporation may establish an earlier expiration date for the person's policy in its last annual rating term and may notify the person of the change by sending him or her a renewal notice for early renewal; and (b) if an earlier expiration date is not established, the original expiration date of the policy continues to apply to it despite the new document expiry date. 5(7) If the corporation establishes a different expiration date for a policy under subsection (5) or (6), the expiration date applies to the policy despite the expiration date set out in the owner's certificate, driver's certificate or other certificate relating to the policy. Annual rate reassessment 6(1) Before the end of each annual rating term of an active multi-year policy but the last, the corporation must reassess the annual premium rate in accordance with the rates in effect as of the customer's next anniversary day and must send the policyholder an annual rate reassessment notice stating the annual premium rate that the policyholder is required to pay in respect of the next annual rating term. 6(2) Despite subsection (1), the annual rate reassessment notice does not have to state what annual premium rate is payable if section 63 applies in respect of the policyholder or the insured vehicle. Service provider agreements 7(1) The corporation may enter into an agreement with one or more service providers, or an agent or representative of the service providers, to establish fair and reasonable terms, including prices, on which the service providers will provide goods and services for which payment is made under the Act or this regulation. 7(2) In this section, "service provider" means (a) a person who provides goods or services relating to the treatment, care or rehabilitation of persons injured in motor vehicle accidents; and (b) a person who rents or repairs motor vehicles or trailers or provides goods and services relating to those activities. PART 2 DRIVERS' CERTIFICATES DIVISION 1 PREMIUMS Premium for a drivers' certificate 8(1) To receive a driver's certificate, a person must pay any of the following premiums established by the corporation that apply to the person's driver safety rating: (a) the base driver premium; (b) the discounted driver premium; (c) the additional driver premium. 8(2) If an insured's driver safety rating increases during the term of a driver's certificate as the result of an input factor appeal and, as a result, the premium payable for the certificate decreases, the corporation must, to the extent that the insured has overpaid the premium, credit the overpayment to the insured's account with the corporation. 9 [Repealed] M.R. 40/2021 Disclosing events that are or may be input factors 10(1) A person who applies for a driver's certificate must fully disclose to the corporation or the registrar all details about (a) any conviction against him or her that is prescribed as an input factor under the Driver Safety Rating System Regulation , Manitoba Regulation 13/2009 made under the Act or is the equivalent to a conviction that is an input factor, regardless of where the conviction was entered; and (b) any at-fault claims against him or her, regardless of where the motor vehicle collision that gave rise to claim occurred. 10(2) The corporation or the registrar may refuse to consider any information or document provided by an applicant attesting to his or her driving record if the corporation or the registrar believes it is unreliable or otherwise unacceptable. Cancellation of a driver's certificate 11(1) A person who holds a driver's certificate and wishes to have it cancelled must apply to the corporation on an application provided by the corporation. Upon receipt of the properly completed application, the driver's certificate is cancelled, and the corporation shall credit to the person's account with the corporation the unearned portion of the premium paid for the certificate, calculated in accordance with the following formula: A = B × (C/D) In this formula, A is the gross amount of the credit; B is the total premium paid for the driver's certificate within the driver's licence period if the certificate is in respect of an annual or shorter policy, or within the current annual rating term if the certificate is in respect of a multi-year policy; C is the number of days from the day the corporation receives the cancellation application until the annual policy expires or the annual rating term ends; D is the total number of days within the annual policy period or annual rating term for which the driver's certificate was issued. 11(2) A credit to be made under subsection (1) is subject to the following conditions: (a) the corporation shall round the gross amount of the credit to the nearest rounded dollar, as defined in section 16; (b) the corporation shall deduct an administration charge of $2 from the credit. 11(3) Subsections (1) and (2) apply with necessary changes in respect of the personal representative of a deceased person who held a driver's certificate at the time of his or her death. 11(4) The credit provisions of subsections (1) and (2) apply, with necessary changes, in respect of a driver's certificate that is invalidated by reason of the suspension or cancellation of the driver's licence in respect of which it was issued. M.R. 40/2021 DIVISION 2 GENERAL PROVISIONS RE DRIVERS' CERTIFICATES Expiry of driver's certificate 12 A driver's certificate expires on the same day that the driver's licence in respect of which it was issued expires. Who may receive a driver's certificate 13 Before a driver's certificate is issued to the person applying for it, he or she must satisfy the licensing requirements for the driver's licence in respect of which it is to be issued. Premiums proportionately charged for part of a year 14(1) The premium payable for a driver's certificate that is issued in connection with a driver's licence that will be in effect for less than one year must be calculated in accordance with the formula in subsection (2) on a prorated basis for the number of days that the licence will be in effect. 14(2) A person who applies for and is issued a driver's certificate referred to in subsection (1) shall pay a premium calculated in accordance with the following formula: A = (B + C) × (D/365) In this formula, A is the prorated premium payable for the driver's certificate, rounded to the nearest rounded dollar, as defined in section 16; B is the base driver premium or discounted driver premium established by the corporation for the driver's certificate, based on the person's driver safety rating; C if applicable, is the additional driver premium established by the corporation for the driver's certificate, based on the person's driver safety rating, or the adjusted additional driver premium, if any, fixed by the Rates Appeal Board under section 65 of the Act; D is the number of days for which the driver's certificate is issued. M.R. 40/2021 Automatic cancellation 15 Notwithstanding any other provision in this regulation, where a temporary driver's licence expires or is cancelled or suspended by any competent authority, or by operation of law, the coverage afforded to the insured and those claiming through the insured under the relevant driver's certificate, issued and validated pursuant to this regulation, expires. PART 3 OWNERS' CERTIFICATES AND CERTIFICATES DIVISION 1 DEFINITIONS AND GENERAL PROVISIONS Definitions for Parts 3 and 4 16 The following definitions apply in this Part and in Part 4. "agent" means a person (a) who, pursuant to the requirements of this regulation, is appointed by the corporation to receive, accept, and process applications for owner's certificates; and (b) who was appointed by prior appointment and who continues to be authorized, or who is concurrently appointed by competent authority (i) to receive, accept and process applications for registration cards and transfer of ownership documents, and (ii) to collect amounts due under The Tax Administration and Miscellaneous Taxes Act . (« agent ») "agent's bank account" means an account opened and operated in the name of the agent, in any chartered bank or other financial institution, for the deposit of moneys received by an agent on account of the authority by whom or which that agent is appointed. (« compte bancaire d'un agent ») "annual policy" means a policy that is issued to coincide with a customer's annual registration period and has an expiry date that is the day before the customer's anniversary day immediately following the end of that period. (« police annuelle ») "at-fault claim" means an off-road vehicle policy claim in respect of which the usual driver (a) was held 50% or more responsible and was indemnified for a collision or upset loss or for a third-party liability loss; or (b) received benefits from the corporation under an accident benefits policy. (« demande d'indemnisation — accident avec responsabilité ») "basic premium" means a basic premium payable under a plan of universal compulsory automobile insurance established by the corporation under the Act. (« prime de base ») "break in coverage" means, in respect of coverage under Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, an instance when coverage lapses, is cancelled or is suspended. (« interruption de garantie ») "bus" , in respect of a non-owned vehicle extension policy, means a bus as defined in The Highway Traffic Act . (« autobus ») "collector motorcycle" means a pleasure motorcycle (a) the model year of which is at least 25 years less than the current model year for pleasure motorcycles; and (b) that has a declared value of more than $4,000. (« motocyclette de collection ») "commercial truck" means a commercial truck within the meaning of The Drivers and Vehicles Act . (« véhicule commercial ») "common-law partner" means a common-law partner as defined in Part II of the Act. (« conjoint de fait ») "commuter rate" means the basic premium in respect of a motor vehicle (a) whose registered owner's principal residence, as designated in the owner's certificate, is within Territory Two; (b) with an insurance use of all-purpose passenger vehicle, all-purpose motor home, all-purpose motorcycle, passenger vehicle for hire, farming all-purpose truck or fishing all-purpose truck with a gross vehicle weight of not more than 4,540 kg or with a body style described in Schedule C, all-purpose truck, artisan truck with a gross vehicle weight of not more than 16,330 kg or other truck with a gross vehicle weight of not more than 16,330 kg; and (c) which is driven more than four days in one month to or from, or part way to or from, a workplace or school which is located in Territory One. (« tarif de banlieue ») "daily earning rate" means the portion of the annual premium in respect of an annual rating term that is earned per day in the riding season within the annual rating term, determined in accordance with the following formula: A = B/C In this formula, A is the daily earning rate; B is the annual premium; C is the number of days in the riding season. (« taux d'acquisition quotidien ») "dependent child" means (a) a child who is under the age of 18 years and who is dependent upon an insured; (b) a person of 18 years of age or over, who, by reason of mental or physical infirmity, is unable to provide himself or herself with the necessaries of life; or (c) a person who is enrolled, and in full-time regular attendance, at a university, technical or professional training school, or other recognized institution of learning, and who is dependent upon an insured and, in any such case, the child or person is a child of the insured, or a child to whom the insured stands in loco parentis. (« enfant à charge ») "earning period" means the period, based on the riding season, which sets out the period for earning and financing of premiums. (« période d'acquisition ») "excess value coverage" has the meaning given to that term in the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« garantie relative à la valeur excédentaire ») "fleet" means fleet within the meaning of subsection 42(2). (« parc ») "fleet buyout" means a transfer of a fleet of vehicles as provided for in subsections 55(4) and (5) of The Drivers and Vehicles Act . (« achat d'un parc ») "gross vehicle weight" has the same meaning as in subsection 1(1) of the Vehicle Weights and Dimensions on Classes of Highways Regulation , Manitoba Regulation 155/2018, and is as specified in the registration card issued for the vehicle. (« poids en charge d'un véhicule ») "gross vehicle weight rating" has the same meaning as "GVWR" in The Highway Traffic Act . (« poids nominal brut d'un véhicule ») "immediate family member" means the spouse, common-law partner, parent, child, grandparent, grandchild, brother or sister, including the corresponding in-laws and step-relations of a person. (« membre de la famille immédiate ») "inspection certificate" means (a) for a motorcycle, a certificate in the form prescribed by the corporation, which may be required prior to coverage being provided under Part XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R; or (b) for an off-road vehicle, a certificate in the form prescribed by the corporation, which may be required prior to coverage being provided under Part III of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000. (« certificat d'inspection ») "lay-up vehicle" means a vehicle stored in Manitoba (a) that is not registered under The Drivers and Vehicles Act , but is eligible to be registered by a Manitoba resident, and is subject to applicable provisions of that Act and the regulations thereunder as if it were registered; and (b) that, if it were registered, would be classified as (i) a private passenger vehicle with a pleasure passenger vehicle, all-purpose passenger vehicle, farm passenger vehicle, or common carrier local passenger vehicle insurance use, (ii) a vehicle with an accessible vehicle for hire, a limousine vehicle for hire, a passenger vehicle for hire (passenger vehicle), a passenger vehicle for hire (truck with 4,499 kg or less GVW) or a taxicab vehicle for hire insurance use, (iii) a motor home with a pleasure motor home or all-purpose motor home insurance use, (iv) a truck with a gross vehicle weight of 4,540 kg or less with a pleasure truck, all-purpose truck or other truck insurance use, or (v) a truck with a farming all-purpose truck or fishing all-purpose truck insurance use; but does not include (c) a vehicle designated or intended for competition or racing; (d) a motor home used as a seasonal residence; (e) a vehicle kept by a person or persons engaged in the business of buying or selling automobiles; (f) a vehicle owned by a person prohibited from registering a vehicle under the provisions of The Drivers and Vehicles Act ; or (g) a vehicle that is parked at the side of a highway or roadway, as the terms "highway" and "roadway" are defined in The Highway Traffic Act . (« véhicule immobilisé au garage ») "lay-up vehicle coverage" means extension insurance coverage on a motor vehicle under Part X of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« garantie du véhicule immobilisé au garage ») "limited-use commercial truck" has the same meaning as in the Vehicle Registration Regulation . (« véhicule commercial à usage restreint ») "minimum retained premium" means the minimum amount of premium the corporation retains when a policy is cancelled. (« retenue minimale ») "moped" means a moped within the meaning of The Highway Traffic Act . (« cyclomoteur ») "motorcycle" means a motorcycle within the meaning of The Highway Traffic Act and, for certainty, includes a collector motorcycle. (« motocyclette ») "motor home" means a motor home within the meaning of The Highway Traffic Act . (« caravane automotrice ») "non-owned vehicle" means a passenger vehicle, a motorcycle, a moped, or a truck that has a gross vehicle weight not exceeding 4,540 kg (a) that is not owned by, leased to, or registered in the name of a person insured under Part XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, and is not borrowed from an immediate family member of the insured or any person residing in the same dwelling unit or premises as the insured, but which is in the personal care, custody or control of the insured; (b) that is named in a valid and subsisting registration card, or its equivalent, in Canada or the United States of America; and (c) that is not any of the following: (i) a bus, motor home, truck tractor or off-road vehicle, (ii) a vehicle for which subsection 35(2) (dealers' vehicles) of The Drivers and Vehicles Act deems a registration card to be issued, (iii) a vehicle for which subsection 35(3) (repairers' vehicles) of The Drivers and Vehicles Act deems a registration card to be issued, (iv) a vehicle registered under The Drivers and Vehicles Act as an antique motor vehicle, (v) a drive-away unit for which subsection 35(1) (drive-away units) of The Drivers and Vehicles Act deems a registration card is issued, or part of such a drive-away unit, (vi) a truck that is operated under a full reciprocity agreement and which is insurance-exempt under the Act. (« véhicule appartenant à un tiers ») "non-owned vehicle extension coverage" means extension coverage under Part XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« garantie complémentaire pour véhicule appartenant à un tiers ») "non-owned vehicle extension policy" means a policy issued under Part XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« police d'assurance complémentaire pour véhicule appartenant à un tiers ») "non-owned vehicle insurance flat fee" , in relation to a non-owned vehicle extension policy, means a retained premium determined by the corporation. (« frais fixes d'assurance d'un véhicule appartenant à un tiers ») "number plate" means a number plate in relation to a vehicle's registration under The Drivers and Vehicles Act . (« plaque d'immatriculation ») "off-road vehicle" means an off-road vehicle within the meaning of The Drivers and Vehicles Act . (« véhicule à caractère non routier ») "on-road vehicle" means a vehicle designated in a registration card under the provisions of The Drivers and Vehicles Act . (« véhicule routier ») "passenger vehicle" means a passenger vehicle within the meaning of the Automobile Insurance Coverage Regulation . (« véhicule de tourisme ») "policy period" , in relation to a short-term policy or a non-owned vehicle extension policy, means the term for which the policy was originally issued. (« période d'assurance ») "policy premium" means (a) in relation to a short-term policy, (i) other than for a motorcycle, moped, or a vehicle with a collector passenger vehicle or collector truck insurance use, the amount, to the nearest rounded dollar, determined by combining the premium written and the short-term percentage load, and (ii) for a motorcycle, moped, or a vehicle with a collector passenger vehicle or collector truck insurance use, the premium written; and (b) in relation to a non-owned vehicle extension policy, the premium written. (« prime d'assurance ») "policyholder" means a policyholder as defined in Part XIII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« titulaire de police ») "premium earned" , in relation to a short-term policy or a non-owned vehicle extension policy, means (a) for the portion of the premium which does not apply to seasonal products, the premium written multiplied by the fraction (i) the numerator of which is the number of days the policy was actually in force, and (ii) the denominator of which is the total number of days in the policy period, rounded to the nearest dollar and subject to a minimum retained premium as determined by the corporation; and (b) for the portion of the premium which applies to seasonal products, the number of days the policy was in force during the riding season which is applicable to the policy period multiplied by the daily earning rate. (« prime acquise ») "premium written" means, in relation to (a) a short-term policy (i) for the portion of the premium which does not apply to seasonal products, the annual premium multiplied by the fraction (A) the numerator of which is the number of days in the policy period, and (B) the denominator of which is 365 days in a policy period which is not a leap year, or 366 days in a policy period which is a leap year, and (ii) for the portion of the premium which applies to seasonal products, the number of days remaining in the riding season applicable to the policy period multiplied by the daily earning rate; and (b) a non-owned vehicle extension policy, the number of days in the policy period multiplied by the applicable daily rate; rounded to the nearest dollar. (« prime souscrite ») "private passenger vehicle" means a motor vehicle that is not a motor home, a motorcycle, a moped, a truck, a vehicle with a collector truck or a farming all-purpose truck insurance use, a commercial truck or a truck tractor, and is not (a) a vehicle for which subsection 35(2) (dealers' vehicles) of The Drivers and Vehicles Act deems a registration card to be issued; (b) a vehicle for hire; (c) a bus that is used as a vehicle of public transportation for compensation or hire; (d) a police vehicle, an ambulance, a hearse or a fire department vehicle; (e) a vehicle that is used as a U-drive; (f) a vehicle with a common carrier local passenger vehicle insurance use; and (g) a vehicle for which subsection 35(3) (repairers' vehicles) of The Drivers and Vehicles Act deems a registration card to be issued. (« véhicule de tourisme privé ») "purchase period" means a purchase period as defined in Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« période d'achat ») "rating group" means a classification of vehicles for rating purposes established by the corporation. (« groupe de tarification ») "registered owner" , in relation to a vehicle registered under The Drivers and Vehicles Act , means the eligible person, within the meaning of section 40 of that Act, named as the vehicle's registered owner in the vehicle's registration card under that Act. (« propriétaire inscrit ») "registration period" , in relation to any kind of vehicle, including a vehicle that is exempt from registration under The Drivers and Vehicles Act , means registration period as defined in subsection 1(1) of that Act. (« période d'immatriculation ») "riding season" means the season or seasons during which the vehicle is generally expected to be used for its intended purpose and includes (a) the winter riding season, beginning on December 1 and ending on March 31; (b) the summer riding season, beginning on May 1 and ending on September 30; and (c) the annual riding season. (« saison d'utilisation ») "rounded dollar" means money under the amount of $1 or a money amount consisting of dollars and cents, in either case deemed under this Part to be the full dollar amount most nearly approached; but where the actual number of cents is 50, the number 50 shall be deemed to be 49. (« dollar près ») "seasonal products" means products for which the earning period is as follows: (a) for the winter riding season, snowmobiles; (b) for the summer riding season, motorcycles, mopeds and vehicles with a collector passenger vehicle or collector truck insurance use. (« produits saisonniers ») "short-term flat fee" , in relation to a short-term policy, means a retained premium determined by the corporation. (« frais fixes pour police de courte durée ») "short-term percentage load" , in relation to a short-term policy, means a retained premium obtained by multiplying the premium written by the percentage determined by the corporation. (« charge proportionnelle pour police de courte durée ») "short-term policy" means a policy (a) that is issued subject to a minimum policy term of 30 days and a maximum policy term of 244 days; (b) the policy term of which cannot be extended beyond the policy expiry date; (c) that is not available on any of the following vehicles or in respect of any of the following insurance uses (i) antique vehicles, (ii) off-road vehicles, (iii) all-purpose trailers with a declared value of less than $2,501, (iv) vehicles operated under temporary registration permits, (v) vehicles being operated with dealers' plates, (vi) vehicles being operated with repairers' plates, (vii) vehicles being operated with drive-away plates, (viii) common carrier bus – over 161 km outside of Manitoba, (ix) common/private/contract passenger vehicle – over 161 km outside of Manitoba, or (x) common/private/contract truck – over 161 km outside of Manitoba; and (d) in respect of which a reapplication cannot be made more than 45 days prior to the policy expiry date. (« police de courte durée ») "state" means any state of the United States of America as well as the District of Columbia. (« état ») "substituted vehicle" means a replacement of one vehicle for another vehicle during any registration period. (« véhicule de remplacement ») "territory" means either Territory One, Territory Two, Territory Three, or Territory Four. (« territoire ») "Territory One" or "Territory 1" means The City of Winnipeg and the rural municipalities of East St. Paul, Headingley and West St. Paul. (« territoire un » ou « territoire 1 ») "Territory Two" or "Territory 2" means all that area of the province, exclusive of Territory One, that lies to the south of latitude 53°. (« territoire deux » ou « territoire 2 ») "Territory Three" or "Territory 3" means all that area of the province north of latitude 55 o . (« territoire trois » ou « territoire 3 ») "Territory Four" or "Territory 4" means all that area of the province that lies between latitude 53° and 55°.

(« territoire quatre » ou « territoire 4 ») "total policy premium" means (a) in relation to a short-term policy (i) other than for a motorcycle, moped, or a vehicle with a collector passenger vehicle or collector truck insurance use, is the amount, to the nearest rounded dollar, determined by combining the policy premium and the short-term flat fee, or (ii) for a motorcycle, moped, or a vehicle with a collector passenger vehicle or collector truck insurance use, means the amount determined by combining the premium written and the short-term flat fee; and (b) in relation to a non-owned vehicle extension policy, means the premium written and the non-owned vehicle insurance flat fee. (« prime d'assurance totale ») "trailer" means a trailer within the meaning of The Highway Traffic Act . (« remorque ») "transfer of ownership document" means a transfer of ownership document as prescribed by the Vehicle Registration Regulation . (« acte de transfert de propriété ») "truck" means a truck within the meaning of the Vehicle Registration Regulation. (« camion ») "underwriting surcharge" means a premium surcharge assessed by the corporation in accordance with Schedule E. (« complément de prime technique ») "usual driver" means the registered owner or any other driver who has the consent, actual or implied, of the registered owner, to operate the off-road vehicle freely and without further permission. (« conducteur habituel ») "vehicle" includes an off-road vehicle, where applicable. (« véhicule ») "vehicle for hire" means a vehicle for hire as defined in section 2 of The Local Vehicles for Hire Act and includes a vehicle for hire with an insurance use of accessible vehicle for hire, limousine vehicle for hire, passenger vehicle for hire (passenger vehicle), passenger vehicle for hire (truck with 4,499 kg or less GVW) and taxicab vehicle for hire. (« véhicule avec chauffeur ») " Vehicle Registration Regulation " means the Vehicle Registration Regulation , Manitoba Regulation 57/2006. («  Règlement sur l'immatriculation des véhicules  ») M.R. 40/2021 Owner's certificate and certificates 17(1) A vehicle that is required to be registered under The Drivers and Vehicles Act is required to be concurrently designated in a valid and subsisting owner's certificate. 17(2) Subject to subsection 45(2) of the Act, nothing in this section applies to a vehicle owned by, or operated by, the Government of Canada or the government of any province other than Manitoba, or of any state. 17(3) An owner's certificate issued and validated under this section shall be in the form prescribed by the corporation and, except where the certificate is for a lay-up vehicle, may be issued with the registration card for the vehicle designated therein. 17(4) A certificate issued and validated under this section for a non-owned vehicle extension policy shall be in the form prescribed by the corporation. 17(5) Subject to the Act and this regulation, an owner's certificate issued and validated hereunder is admissible in evidence as prima facie proof of coverage to a person named therein (a) in all cases, for universal compulsory automobile insurance; (b) where specified thereby, for extension insurance under Part V, VI, IX, X, XI or XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, or Part II, III, IV, V or VI of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000; and (c) where specified thereby and where applicable, for excess value coverage; for the registration period or for the balance of the registration period in respect of which it is issued. 17(6) Subject to the Act and this regulation, a certificate issued and validated hereunder is admissible in evidence as prima facie proof of coverage to a person named therein, where specified thereby, and where applicable, for non-owned vehicle extension insurance, for the policy period, or for the balance of the policy period, in respect of which it is issued. M.R. 40/2021 ; 94/2023 DIVISION 2 BASIC PREMIUMS FOR OWNERS' CERTIFICATES AND CERTIFICATES Payment of premiums 18(1) An applicant for a certificate, including an owner's certificate, must pay the premium that the corporation assesses in respect of the policy that the certificate relates to or, if the policy is a multi-year policy, in respect of the policy's initial annual rating term. 18(2) The policyholder named in an owner's certificate that relates to a multi-year policy must, while the policy is in force, pay the premium that the corporation assesses in respect of each annual rating term of the policy. Premiums fixed by rating factors 19 For the purpose of basic premium assessment, and where applicable, for the purpose of premium assessment in respect of extension insurance, each vehicle designated by a registration card and each vehicle which is not required to be registered but is designated by an owner's certificate and each non-owned vehicle extension policy designated by a certificate shall be classified respectively within its rating group, or otherwise by rating factors established by the corporation under the Act. Territory 20(1) For the purpose of basic premium assessment, and premium assessment in respect of extension insurance where applicable, a vehicle shall be classified, in addition to any classification by rating group, or other rating factors, according to the territory in which the registered owner resides or according to the commuter rate if applicable. 20(2) For the purpose of subsection (1), a registered owner shall be deemed to reside at the address as shown in the records maintained by the Registrar of Motor Vehicles, owner's certificate or certificate, but where, in a registration card, the registered owner's address is designated as being in a jurisdiction other than Manitoba, the registered owner or, where there is no registration applicable, the person named in the certificate shall be deemed to reside in Territory One. Commercial truck or passenger vehicle operated outside Manitoba 21 Despite any basic premium established by the corporation, no annual basic premium is payable in respect of (a) a commercial truck, if its insurance use is Common/Private/Contract truck — over 161 km outside Manitoba; or (b) a passenger vehicle, if its insurance use is Common/Private/Contract passenger vehicle — over 161 km outside Manitoba. Change of name or address of registered owner 22 If in a registration period or annual rating term (a) there is a change in address of the principal residence of the registered owner or the owner of a vehicle designated in an owner's certificate, or where there is no registration applicable, there is a change in address of the principal residence of the policyholder designated in the certificate; or (b) there is a legal change to the name of the registered owner or the owner of a vehicle designated in an owner's certificate, or where there is no registration applicable, there is a legal change to the name of the policyholder designated in the certificate; the registered owner, owner or policyholder, as the case may be, shall, on a form prescribed by the corporation, report the change to the registrar or the corporation not later than 15 days following the occurrence of the change, and shall pay any increased basic premium, and premium for extension insurance, where applicable, together with such registrar's fees as may be assessed and payable in respect thereof, or if applicable shall qualify for a refund of excess premium paid. Change of use or value of vehicle 23(1) If in a registration period or annual rating term (a) the use of any vehicle designated in an owner's certificate changes from a use set forth in one rating group to a use set forth in another rating group; or (b) the actual cash value of a vehicle is reduced below any declared excess value therefor; the registered owner shall report the change to the registrar or to the corporation within seven days of the occurrence of the change, and shall pay such increased basic premiums and premium for extension insurance where applicable, together with such registrar's fees as may be assessed and payable in respect therefor, or if applicable shall qualify for a refund of excess premium paid. 23(2) In this section, "declared excess value" means the actual cash value declared by the registered owner of a vehicle referred to in subsection 137(2) of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, for the purpose of purchasing excess value coverage in respect of such a vehicle in excess of the maximum limit payable for such a vehicle under Part VI of that regulation. Change of class or gross weight of vehicle 24 If in a registration period or annual rating term (a) a vehicle ceases to qualify for the registration class designated in an owner's certificate; or (b) the registered gross weight of a vehicle registered under The Drivers and Vehicles Act is changed to a registered gross weight that is in a different range of gross weights prescribed for the kind of vehicle by the Charges for Licences, Registrations, Permits and Other Services Regulation , Manitoba Regulation 42/2006; the registered owner shall report the change immediately to the registrar or to the corporation upon the occurrence of the change, and shall pay such increased basic premiums and premium for extension insurance, where applicable, together with such registrar's fees as may be assessed and payable in respect therefore, or if applicable shall qualify for a refund of excess premium paid. Payment of additional amount 25 Where a change to which section 22, 23 or 24 applies is one by virtue of which a higher premium is payable, the registrar or the corporation shall require the payment of that portion of the higher premium that is due, and the amount payable shall be calculated as of the date on which the report is made. Refund 26 Where a change to which section 22, 23 or 24 applies is one by virtue of which a lower premium is payable, the registrar or the corporation shall refund that portion of the premium paid that is in excess of the lower premium that is payable, and the refund due shall be calculated as of the date on which the report is made. Administration fees 27(1) In each case to which section 25 or 26 applies, the registrar or the corporation shall charge such administration fee as may be fixed from time to time. 27(2) The corporation shall charge an administration fee of $9 for each of the following transactions: (a) class change; (b) estate-to-spouse transfer; (c) load change; (d) plate replacement, except for semi-trailers; (e) vehicle transfer; (f) issuing a transfer of ownership document for an unregistered vehicle; (g) [repealed] M.R. 94/2023. 27(3) The corporation shall charge an administration fee of $4 for a semi-trailer plate replacement. 27(3.1) The corporation shall charge an administration fee of $9 for a request to issue one or more of the following in relation to a single vehicle: (a) a replacement owner's certificate; (b) a replacement registration card; (c) a replacement registration permit; (d) a replacement transfer of ownership document. 27(3.2) Subsection (3.1) does not apply if all of the requested certificates, cards, permits and documents are issued only using electronic means. 27(4) Clause (3.1)⁠(b) does not apply in respect of a registration card issued in relation to the issue of veteran's number plates under Part 7 of the Vehicle Registration Regulation , and clauses (2)⁠(d) and (3.1)⁠(b) do not apply in respect of a vehicle that (a) is registered in the passenger cars, trucks or farm trucks registration class prescribed under the Vehicle Registration Regulation ; (b) displays veterans' number plates that were obtained for it under Part 7 of the Vehicle Registration Regulation , or that are permitted to be displayed on it by subsection 55(1) of The Drivers and Vehicles Act or because of a transfer of number plates under clause 55(2)⁠(a) of that Act; and (c) is registered in the name of the veteran who obtained the veterans' number plates, or in a case where the veteran is deceased, in the name of his or her surviving spouse or common-law partner. 27(5) The corporation shall charge an administration fee of $15 for each of the following transactions: (a) coverage reduction, except in the case of a reduction of excess value coverage or a change in time band level for a vehicle for hire; (b) request for search of document; (c) request for claims record; (d) request for confirmation of premiums paid or payable; (e) change of insurance use from or to collector passenger vehicle; (f) change of insurance use from or to collector truck. M.R. 40/2021 ; 94/2023 Midterm changes in vehicle premium 28(1) If the premium payable for a contract of insurance on a vehicle, issued to a new resident of Manitoba or a person returning to Manitoba, increases or decreases because of a change in the registered owner's driver safety rating based upon information about his or her driving history about which the corporation becomes aware after the premium was first assessed, (a) the corporation must notify the registered owner about the increase or decrease; and (b) the increase or decrease applies as of the anchor date of the contract of insurance. 28(2) Subject to subsections 65(4) and 66(13), (a) an increase in premium referred to in subsection (1) is due and payable to the corporation upon receipt by the registered owner of the notification given under clause (1)⁠(a); and (b) a decrease in premium referred to in subsection (1) will be credited by the corporation to the registered owner's account. DIVISION 3 VEHICLE PREMIUM DISCOUNTS Driver safety rating determines discount 29 Except as otherwise provided in this regulation, a person whose driver safety rating is at a merit level is entitled to a premium discount rate established by the corporation. Vehicles that qualify for a vehicle premium discount 30(1) A vehicle or substituted vehicle qualifies for a vehicle premium discount if it is one of the following vehicles or has one of the following insurances uses: (a) a pleasure passenger vehicle, a collector passenger vehicle, all-purpose passenger vehicle, farm passenger vehicle, pleasure motor home, all-purpose motor home or common carrier local passenger vehicle; (b) a common carrier passenger vehicle within 161 km in Manitoba; (c) an all-purpose truck, pleasure truck or collector truck; (d) a vehicle for hire; (e) a farming all-purpose truck or fishing all-purpose truck with (i) a gross vehicle weight of not more than 4,540 kg, or (ii) a body style described in Schedule C; (f) an artisan truck with a gross vehicle weight of not more than 16,330 kg; (g) a common carrier truck within a city or municipality; (h) a common carrier truck within 161 km in Manitoba; (i) a pleasure motorcycle, an all-purpose motorcycle, a pleasure moped or an all-purpose moped. 30(2) Subsection (1) does not apply in respect of a vehicle if (a) it is a lay-up vehicle; (b) it is a vehicle for which a temporary registration permit has been issued under section 22 of the Vehicle Registration Regulation ; or (c) it is a vehicle that, despite not being registered under the International Registration Plan, is registered in the manner described in subsection 3(2.4) of the Vehicle Registration Regulation , so that the registered owner's anniversary day in relation to the vehicle is the same as his or her anniversary day in relation to vehicles that he or she has registered under that Plan. Active driver's licence required for vehicle premium discount 31(1) To be eligible for a vehicle premium discount in respect of an annual rating term that begins on a future date, an individual must (a) satisfy the corporation that he or she holds a driver's licence that will be valid when the annual rating term begins; or (b) if the individual's driver's licence expires before the annual rating term begins or will otherwise not be valid when it begins, satisfy the corporation that he or she has renewed the licence or taken whatever other steps the corporation considers necessary so that he or she will hold a valid driver's licence when the annual rating term begins. 31(2) To be eligible for a vehicle premium discount in respect of (a) a vehicle that is registered; or (b) a registration that is renewed; after the beginning of an annual rating term, an individual must satisfy the corporation that he or she holds a valid driver's licence. 31(3) If an individual is ineligible for a vehicle premium discount in respect of a contract of insurance on a vehicle because he or she does not hold a valid driver's licence when subsection (1) or (2) requires it, he or she is eligible for a vehicle premium discount if he or she is issued a valid driver's licence after the contract is issued and before it expires. 31(4) In a case referred to in subsection (3), the corporation must (a) apply the vehicle premium discount to the portion of premium attributable to the unexpired term of the contract, which begins on the day that the driver's licence is issued and ends when the contract expires; and (b) credit the dollar value of the vehicle premium discount so calculated to the individual's account with the corporation. Effect of appeal-based changes in driver safety rating 32 If an individual's driver safety rating increases during the term of a contract of insurance on a vehicle as the result of an input factor appeal and, as a result, the premium payable for the contract decreases, the corporation must, to the extent that the individual has overpaid the premium, credit the overpayment to the individual's account with the corporation. Driver safety rating of assigned driver 33 When the registered owner of a vehicle qualifying for a vehicle premium discount is not its assigned driver, (a) the assigned driver's driver safety rating determines whether the registered owner is entitled to a vehicle premium discount in respect of the vehicle; and (b) references in this regulation to the driver safety rating or driver's licence status of a vehicle owner must be read as a reference to the driver safety rating or driver's licence status of the assigned driver. DIVISION 4 EXTENSION INSURANCE Owner may apply 34(1) A person who applies for an owner's certificate, or a person who is named in a valid owner's certificate, in respect of (a) a private passenger vehicle; (b) a vehicle with a farming all-purpose truck or fishing all-purpose truck insurance use; (c) a motor home; (d) a vehicle with a pleasure truck or collector truck insurance use; (e) a vehicle with an all-purpose truck insurance use; (f) a motorcycle or moped; (g) an off-road vehicle; (h) a vehicle with a common carrier local passenger vehicle insurance use; or (i) a vehicle for hire may apply for extension insurance in addition to universal compulsory automobile insurance. 34(2) The corporation may provide plans of extension insurance to any class of vehicles upon such terms and conditions as may be determined by the corporation. 34(3) Subject to subsection (4), the vehicle premium discount that applies to the premium for universal compulsory automobile insurance in respect of a vehicle also applies to the premium under this Division for extension insurance in respect of the vehicle. 34(4) Vehicle premium discounts do not apply in respect of the premiums for optional comprehensive extension coverage for motorcycles and mopeds established by the corporation. Motorcycle or moped extension comprehensive coverage 35 A person who applies for motorcycle or moped optional comprehensive extension coverage under Part XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, in respect of a motorcycle or moped shall pay, in addition to the annual premium established by the corporation under the Act, any applicable underwriting surcharge as set out in Schedule E, Underwriting Table 1. Off-road vehicle underinsured motorist coverage 36 If a person applies for (a) extension insurance to increase the limit of third-party liability coverage provided under Part IV or VII of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000 in respect of an off-road vehicle; or (b) coverage under Part IV of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000 in respect of an off-road vehicle; the corporation must also include in the coverage or insurance for that off-road vehicle an equal limit of underinsured motorist coverage under Part VI of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000. Off-road vehicle accident insurance benefits 37 A person who applies for coverage under Part II of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000 in respect of an off-road vehicle shall pay, in addition to the annual premium, any applicable underwriting surcharge as set out in Schedule E, Table 2 or 3. Off-road vehicle underwriting surcharge 38 A person who applies for collision or upset extension coverage under Part III of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000, in respect of an off-road vehicle shall pay, in addition to the annual premium, any applicable underwriting surcharge as set out in Schedule E, Table 2 or 3. Obligation to provide and update information re usual driver 39(1) If a person makes application for any coverage which is subject to an underwriting surcharge related to a usual driver, the applicant shall include the name, or names, of the usual drivers of the off-road vehicle, to a maximum of five. 39(2) The registered owner shall immediately report to the corporation any changes in the usual drivers of an off-road vehicle during the policy period. DIVISION 5 EXCESS VALUE COVERAGE Application and coverage 40(1) An applicant for an owner's certificate may apply for all perils coverage additional to that provided under Part III of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, by declaring the actual cash value of the vehicle in the application for an owner's certificate, and shall pay an extra premium for each $1,000 of value declared in excess of the maximum limit payable under that Part. 40(2) A person who is eligible for an owner's certificate under Part X or XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, may apply for coverage additional to that provided under Part X or XI by declaring the actual cash value of the vehicle in the application for an owner's certificate and by paying an extra premium for each $1,000 of value declared in excess of the maximum payable by that Part. 40(3) An applicant for an owner's certificate in respect of a vehicle for which a temporary registration permit has been issued under section 22 of the Vehicle Registration Regulation may apply for all perils coverage additional to that provided under Part III of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, by declaring the actual cash value of the vehicle in the application for an owner's certificate, and shall pay an extra premium for each $50,000 of value declared in excess of the maximum limit payable under that Part. 40(4) Where application is made pursuant to subsections (1) and (2), and the premium prescribed for excess value coverage is paid, the applicant is entitled to coverage under Part VI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. DIVISION 6 FLEETS Definitions for Division 6 41 The following definitions apply in this Division. "claims incurred" means the sum of outstanding reserves and net insurance moneys paid on (a) claims under comprehensive coverage, being claims arising by reason of any cause or peril other than collision with another object or upset; (b) claims under Part IX of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R; and (c) all other claims based on percentage of responsibility, except claims under sections 96 and 97 of Part IV or Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« pertes subies ») "fleet claims carry-over" means adjustments to the assessment for the immediately preceding annual rating term or annual registration period, based on increases or decreases to claims incurred for that term or period that were not considered on that assessment. (« report des réclamations ») "fleet premium" means the premiums earned by the corporation for the fleet for the annual rating term or annual registration period, plus the amount of any vehicle premium discount that was applied during the same term or period for each vehicle that is part of the fleet, but does not include premiums earned under Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R. (« prime de parc ») "loss experience" means the ratio between the fleet premium and the amount of all claims incurred by the corporation for the fleet in the annual rating term or annual registration period, expressed as a percentage that is (a) rounded to the nearest whole percentage point; or (b) rounded down to the nearest whole percentage point, where the percentage is at the midpoint between two whole percentage points. (« résultats techniques ») When vehicles constitute a fleet 42(1) The following definitions apply in this section. "customer month" means (a) with reference to the first month of a person's annual rating term or annual registration period, the period beginning on the first day of the annual rating term or annual registration period and ending on the day before the same day in the following month; and (b) with reference to a subsequent month, the period beginning on the same day of the month as the annual rating term or annual registration period began and ending on the day before the same day in the following month. (« mois de référence ») "fleet vehicle" means a vehicle, including a vehicle displaying a dealer plate or a repairer plate, but other than a vehicle classified as a vehicle for hire, a trailer, a motorcycle, a moped, a vehicle for which premiums are paid only for Personal Injury Protection Plan coverage, a vehicle insured under a lay-up vehicle policy, a non-owned vehicle insured under a non-owned vehicle extension policy or an off-road vehicle. (« véhicule faisant partie d'un parc ») "insured days" means the number of days in an annual rating term or annual registration period for which a vehicle is insured. (« jours assurés ») 42(2) A group of vehicles is a fleet (a) in a customer month if (i) it consists of 10 or more fleet vehicles that on the first day of the owner's customer month are registered by the owner, and (ii) the sum of the insured days of all of the fleet vehicles is equal to or greater than the amount obtained when the number of days in the owner's customer month is multiplied by 10 and divided by two; and (b) in the customer month immediately following a customer month referred to in clause (a) if the sum of the insured days of all of the fleet vehicles registered by the owner is equal to or greater than the amount obtained when the number of days in the owner's customer month is multiplied by eight. Assessment of surcharge and refunds 43(1) Subject to section 65 of the Act, upon completion of each annual rating term or annual registration period in which a group of vehicles constitutes a fleet, the corporation shall assess a surcharge against, or allow a refund to, the registered owner based on the loss experience of the fleet during that annual rating term or annual registration period, plus or minus any surcharge or refund recalculated resulting from a fleet claims carry-over. 43(2) The maximum surcharge against the registered owner of a fleet shall not exceed 50% of the fleet premium for the annual rating term or annual registration period, plus the amount of any vehicle premium discount that was applied in the same term or period, and the surcharge shall be calculated in accordance with the following Table: If the Loss Experience of the fleet is The Surcharge Will be 70 - 79 % Nil 80% 1% 81% 2% 82% 3% 83% 4% 84% 5% 85% 6% 86% 7% 87% 8% 88% 9% 89% 10% 90% 11% 91% 12% 92% 13% 93% 14% 94% 15% 95% 16% 96% 17% 97% 18% 98% 19% 99% 20% 100% 21% 101% 22% 102% 23% 103% 24% 104% 25% 105% 26% 106% 27% 107% 28% 108% 29% 109% 30% 110% 31% 111% 32% 112% 33% 113% 34% 114% 35% 115% 36% 116% 37% 117% 38% 118% 39% 119% 40% 120% 41% 121% 42% 122% 43% 123% 44% 124% 45% 125% 46% 126% 47% 127% 48% 128% 49% 129% or more 50% 43(3) The maximum refund allowed to the registered owner of a fleet shall not exceed 33% of the fleet premium for the annual rating term or annual registration period, minus the amount of any vehicle premium discount that was applied in the same term or period, and the refund shall be calculated in accordance with the following Table: If the Loss Experience of the fleet is The Refund Will be 69% 1% 68% 2% 67% 3% 66% 4% 65% 5% 64% 6% 63% 7% 62% 8% 61% 9% 60% 10% 59% 11% 58% 12% 57% 13% 56% 14% 55% 15% 54% 16% 53% 17% 52% 18% 51% 19% 50% 20% 49% 21% 48% 22% 47% 23% 46% 24% 45% 25% 44% 26% 43% 27% 42% 28% 41% 29% 40% 30% 39% 31% 38% 32% 37% or less 33% 43(4) If a fleet surcharge is assessed in respect of a fleet, its owner may appeal the surcharge to the Rates Appeal Board under section 65 of the Act in the same manner as though the surcharge was an additional driver premium. An appeal under this section may only be made on the following grounds: (a) that the surcharge is unduly harsh; (b) that the surcharge was assessed on an incorrect record or representation of the facts. 43(5) For greater certainty, subsections 65(5) and (7) to (14) of the Act apply in respect of an appeal under subsection (4) with necessary changes. Interest on fleet surcharges 44 Where the registered owner of a fleet appeals an assessment of surcharge to the Rates Appeal Board and the assessment of surcharge is confirmed or varied, that surcharge shall bear interest at the prime lending rate established on January 1 immediately preceding the annual rating term or annual registration period for which coverage is provided, by a chartered bank designated by the corporation plus 2%, calculated from the 30th day after the date the surcharge was initially assessed up to and including the date of payment in full, including all interest accrued to the date of payment; provided that interest shall not accrue during the period from the date of the conclusion of the hearing by the Rates Appeal Board to the date for payment stipulated in the written decision of the Rates Appeal Board. Exception 45 Notwithstanding section 43, in assessing a surcharge or refund, the corporation shall not include any amount exceeding $25,000 incurred by the corporation by way of a claim arising out of the ownership, use or operation of any vehicle comprising the fleet. M.R. 40/2021 Authority of chief executive officer 46 Notwithstanding anything in this Division, the chief executive officer may waive or reduce any surcharge assessed against the registered owner of a fleet. DIVISION 7 GENERAL PROVISIONS Recovery of arrears and interest 47(1) If a person who obtains a registration card, owner's certificate or a certificate has not paid the full amount assessed and payable, (a) the person is indebted to the corporation for the amount in arrears and any interest charged under subsection (2); and (b) the corporation may recover the arrears and any interest by action, and may deny any further application by the person for insurance coverage until the arrears and interest are paid. 47(2) If more than $5 of the arrears shown on a statement of account or more than $20 of the arrears shown on a collection letter is not paid by the statement date of the next monthly statement of account or collection letter issued by the corporation, (a) the person liable for the arrears shall pay interest equal to 1.5% of the arrears carried forward to the next statement of account or collection letter; and (b) the interest shall be included in the arrears shown on that next statement of account or collection letter. 47(3) Except as required by clause 67(3)⁠(c), this section does not apply to amounts payable under section 65 (four-payments financing plan) or under a pre-authorized payment agreement under section 66. Cancellation 48(1) Where an owner's certificate for an annual policy issued in respect of any vehicle other than a motorcycle, moped, a vehicle with a collector passenger vehicle or collector truck insurance use, a trailer with a declared value of not more than $2,500, or an off-road vehicle is for any reason cancelled or surrendered to the corporation or registrar, the corporation shall credit to the registered owner, or their duly authorized personal representative, the amount determined in accordance with Schedule D. 48(2) Where an owner's certificate for a short-term policy issued in respect of a vehicle other than a motorcycle, moped, or vehicle with a collector passenger vehicle or collector truck insurance use is for any reason cancelled or surrendered to the corporation or registrar, on or after the effective date of such policy, the corporation shall credit to the registered owner, or his or her duly authorized personal representative, the total policy premium less the premium earned less the short-term flat fee less the short-term percentage load, subject to the minimum retained premium of (a) $25 per policy; or (b) 30 days premium written; whichever is greater. 48(3) Where a person applies for a midterm change from on-road to lay-up coverage, the corporation shall credit to the person, in respect of the on-road vehicle coverage, the amount that would have been credited had the coverage been cancelled in accordance with subsection (1). 48(4) Where a certificate for non-owned vehicle extension coverage, issued in respect of a non-owned vehicle, is for any reason cancelled or surrendered to the corporation, on or after the effective date of such policy, the corporation shall credit to the policyholder, or his or her duly authorized personal representative, the total policy premium less the premium earned, less the non-owned vehicle insurance flat fee, subject to the minimum retained premium of three days premium written. 48(5) No changes to an existing non-owned vehicle extension policy are permitted except for a midterm change and only in respect of (a) rating changes related to the non-owned vehicle's registration origin; or (b) a change in rental policy type from a motorcycle or moped to a passenger vehicle or a truck that has a gross vehicle weight not exceeding 4,540 kg or vice versa. 48(6) Where an owner's certificate for an annually rated policy issued in respect of a motorcycle, moped, or vehicle with a collector passenger vehicle or collector truck insurance use is for any reason cancelled or surrendered to the corporation or the registrar, the corporation or the registrar shall credit to the registered owner or his or her duly authorized personal representative (a) with respect to premiums paid for seasonal products, the premium paid less the amount determined by the following formula: A × B/C In this formula, A is the annual premium, B is the number of days the policy was in effect in the riding season, C is the total number of days in the riding season; and (b) with respect to all other premiums paid, the amount determined in accordance with Schedule D.1. 48(7) Where an owner's certificate for a short-term policy issued in respect of a motorcycle, moped, or a vehicle with a collector passenger vehicle or collector truck insurance use is for any reason cancelled or surrendered to the corporation or the registrar on or after the effective date of the policy, the corporation or the registrar shall credit to the registered owner, or his or her duly authorized personal representative, the premium paid less the amount determined by the following formula: A × B/C In this formula, A is the annual premium; B is the number of days the policy was in effect in the riding season; C is the total number of days in the riding season. 48(8) Where an owner's certificate for an annually rated policy issued in respect of an off-road vehicle insured under Part VII of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000, or a trailer with a declared value of not more than $2,500, is for any reason cancelled or surrendered to the corporation or the registrar, no credit of the annual basic premium shall be payable to the registered owner. 48(9) Where an owner's certificate for an annually rated policy issued in respect of an off-road vehicle insured under Part II, III, IV, V or VI of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000, is for any reason cancelled, the corporation shall credit to the registered owner or his or her duly authorized personal representative the premium paid less the amount determined by the following formula: A × B/C In this formula, A is the annual premium; B is the number of days the policy was in effect in the riding season; C is the total number of days in the riding season. 48(10) Where there is a break in coverage provided under Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, reinstatement of coverage will not be permitted where the break is greater than 30 days from the date of lapse, cancellation or suspension, even if the break occurs within the purchase period. M.R. 94/2023 Converting a long-term policy to short-term 49 An active annual policy or active multi-year policy is not convertible to a short-term policy, and the corporation is not required to make such a conversion at the request of any person. Owner notification 50(1) Where an owner's certificate for a policy issued in respect of any vehicle lapses, is cancelled, is reduced in insurance coverage, is suspended or is pending suspension, the corporation will, where the legal owner is not the registered owner, notify the legal owner in writing. 50(2) Notice under subsection (1) shall extend the insurance coverage that was in effect immediately before the cancellation, lapse or suspension of the policy, to the legal owner, for a period of 14 days after the date on the notice. Owner notification re vehicle protection extension coverage 51 Where, in respect of an owned vehicle, coverage under Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, has been purchased and is subsequently cancelled, the corporation will, where the legal owner is not the registered owner, notify the legal owner in writing. Foreign travel credit 52(1) Notwithstanding anything in section 48, an insured named in an owner's certificate, upon satisfying the corporation that the insured vehicle designated therein was not located in Canada or the United States of America for all or any part of the annual rating term or annual registration period for which the owner's certificate was issued and validated, upon application to the corporation, is entitled to a credit of the premium paid for that period, calculated to the nearest rounded dollar, but no credit shall be made for the first 14 days of that period, or for the amount of $2 or less. 52(2) Notwithstanding anything in section 48, a policyholder, upon satisfying the corporation that the non-owned vehicle was not located in Canada or the United States of America for all or any part of the period for which a certificate was issued and validated, upon application to the corporation, is entitled to a credit of the premium paid for that period, calculated to the nearest rounded dollar, but no credit shall be made for the first 14 days of that period, or for the amount of $2 or less. Application may be rejected for some extension coverage risks 53 A person who applies for extension insurance coverage under Part II, III, IV, V or VI of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000, or under Part XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, will be subject to such underwriting guidelines as the corporation may prescribe. Risks which do not correspond with these guidelines do not qualify for extension coverage. Application for or reassessment of a policy after policy period begins 54(1) If the corporation does not provide a policy renewal notice or annual rate reassessment notice to an insured before the beginning of a registration period or annual rating term, the insured may apply for renewal or request reassessment using a form approved by the corporation. 54(2) The basic premium of an applicant under subsection (1) and the premium for extension insurance, if applicable, shall be fixed by reference to the rating group of the vehicle and in accordance with section 20, if applicable. 54(3) Subject to subsection (5), if a person applies for, or requests an annual rate reassessment of, an annually rated policy of vehicle insurance after the first day of a registration period or annual rating term applicable to the vehicle, the person shall pay as a premium the amount determined by the following formula: A = B × C In this formula, A is the premium payable calculated to the nearest rounded dollar; B is the daily earning rate; C is the number of days remaining in the riding season applicable to the policy on the date of the application. 54(4) Where an application for a short-term policy is made, the applicant shall pay as a premium (a) with respect to the premium for a seasonal product, the amount determined by the following formula: A × B In this formula, A is the daily earning rate, B is the number of days remaining in the riding season within the short-term policy period; and (b) with respect to all other premiums paid, the total policy premium. 54(5) When application to register a trailer with a value of $2,500 or less or to insure an off-road vehicle under Part VII of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000, is made after the first day of the applicable registration period or annual rating term, the applicant shall pay the same premium that was payable on the first day of the period or term, unless the application is a new application or a transfer to a newly acquired vehicle, in which case subsection (3) applies. Grace period re early applications 55 Despite section 54, if a person applies to insure a vehicle no more than four days before the person's anniversary day, the applicant shall pay only the insurance premium that is due and payable in respect of the next registration period or — in the case of a multi-year registration period — the next annual rating term of that period, but the owner's certificate is valid from the date that it is issued. Substitutions 56(1) When, in an annual rating term or annual registration period, the ownership of a vehicle designated in an owner's certificate is transferred and the ownership of a substituted vehicle of a similar registration class, or that would be of a similar registration class if the vehicles were registered, is acquired, the owner's certificate in respect of the vehicle replaced by the substituted vehicle shall be and remain valid in respect of the substituted vehicle for a period of seven days following transfer of ownership of the original motor vehicle. 56(2) Notwithstanding anything in subsection (1), any coverage for a vehicle substituted for a vehicle designated in an owner's certificate with a collector passenger vehicle or collector truck insurance use will be valid only if the substituted vehicle is also eligible for coverage with a collector passenger vehicle or collector truck insurance use respectively. 56(3) Notwithstanding anything in subsection (1), any coverage under Part XII of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R, will be valid, in accordance with subsection (1), in respect of a substituted vehicle if the substituted vehicle is also eligible for coverage under Part XII. 56(4) Within the period of seven days following transfer of ownership of the vehicle replaced by the newly acquired substituted vehicle referred to in subsection (1) or (2), the registered owner must apply to the corporation or the registrar for a new registration card and owner's certificate, or owner's certificate, as applicable, in respect of the substituted vehicle. Substituted vehicle in different rating group 57(1) If in the circumstances described in subsection 56(1) or 56(2), the substituted vehicle is in a lower rating group than the vehicle it replaces, the registered owner is entitled, upon registration of the transfer, to a refund of the basic premium and premium for extension insurance, if applicable, calculated as follows and rounded to the nearest dollar (a) for the basic premium and premium for extension insurance applicable to an annual riding season, the amount, if any, by which (i) the refund of those premiums payable for the vehicle that is replaced by the substituted vehicle, calculated as of the day on which the application is made, exceeds (ii) those premiums in respect of the substituted vehicle calculated as of the day on which the application is made; (b) for the premium for extension insurance which is applicable to a winter or summer riding season, the amount, if any, by which (i) those premiums payable for the vehicle that is replaced by the substituted vehicle, calculated as of the day on which the application is made, by multiplying the daily earning rate by the number of days remaining in the riding season which is applicable to the policy term, exceeds (ii) those premiums payable for the substituted vehicle, calculated as of the day on which the application is made by multiplying the daily earning rate by the number of days remaining in the riding season which is applicable to the policy term. 57(2) If in the circumstances described in subsection 56(1) or 56(2), the substituted vehicle is in a higher rating group than the vehicle it replaces, the registered owner shall pay, upon registration of the transfer, the basic premium and premium for extension insurance, if applicable, calculated as follows and rounded to the nearest dollar: (a) for basic premium and premium for extension insurance applicable to an annual riding season , the amount, if any, by which (i) those premiums in respect of the substituted vehicle, calculated as of the day on which the application is made, exceeds (ii) the refund of those premiums payable for the vehicle that is replaced by the substituted vehicle calculated as of the day on which the application was made; (b) for the premium for extension insurance applicable to a winter or summer riding season, the amount, if any, by which (i) those premiums payable for the substituted vehicle, calculated as of the day on which the application is made, by multiplying the daily earning rate by the number of days remaining in the riding season which is applicable to the policy term, exceeds (ii) those premiums payable for the vehicle that is replaced by the substituted vehicle, calculated as of the day on which the application is made by multiplying the daily earning rate by the number of days remaining in the riding season which is applicable to the policy term.

Replacement documents 58(1) Upon application and upon payment of the charge specified in the Charges for Licences, Registrations, Permits and Other Services Regulation , Manitoba Regulation 42/2006, if any, and upon the payment of any basic premium or premium for extension insurance under subsection 57(2), the corporation or the registrar shall issue to the applicant a new registration card, transfer of ownership document and owner's certificate, as applicable. 58(2) If the registrar is unable to issue a registration card, transfer of ownership document or owner's certificate under subsection (1), the corporation or the registrar shall issue to an applicant a temporary document which shall be replaced as soon as is practicably possible with a validated registration card, transfer of ownership document or owner's certificate. M.R. 94/2023 Refund 59 Upon the request of an applicant who is entitled to a refund, the corporation or the registrar shall mail the refund to the applicant. Prescribed forms 60(1) Forms of application and forms of certificates required or issued under this Part shall be prescribed by the corporation, and every application and every certificate in the form so prescribed is hereby authorized. 60(2) An applicant who applies for a registration card, transfer of ownership document, owner's certificate or certificate shall complete a form of application prescribed by this regulation according to the tenor and clear intent thereof. Documentation for insurance 61(1) Before issuing, transferring, changing or cancelling any policy of insurance provided by the corporation or performing any other function in respect of insuring a vehicle for which an application or request is made, the corporation may require the production of any documentation that it considers necessary and the documentation may be different for different vehicle types. 61(2) Without limiting the generality of subsection (1), the corporation may require one or more of the following: (a) proof of ownership of the vehicle; (b) proof that the applicant is the person named in the application; (c) proof of the date of birth of an applicant who is an individual; (d) claims and driving record information; (e) subject to subsection (3), a vehicle inspection certificate; (f) evidence acceptable to the corporation that a vehicle for which application is being made with a collector passenger vehicle or collector truck insurance use meets the minimum required value. 61(3) A vehicle inspection certificate shall not be required when the registered owner makes the application or request under subsection (1) (a) within three days of the delivery date, as evidenced by the bill of sale, of an off-road vehicle (i) purchased new, or (ii) purchased used, provided that coverage, not less than the coverage applied for, was in force at the time the vehicle was purchased, as evidenced by the policy in existence immediately prior to the purchase; or (b) at a time other than that provided in clause (a), if the coverage existing at the time of the application or request is equal to or greater than the coverage applied for. Renewals and annual rate reassessments 62(1) When a person is named as the policyholder in an owner's certificate that is active on the day that is 45 days before his or her next anniversary day, the corporation must without delay provide the person (a) with a renewal notice if the owner's certificate is expected to expire before the anniversary day; or (b) with an annual rate reassessment notice if the owner's certificate is not expected to expire before the anniversary day. 62(2) Short-term policies and non-owned vehicle extension policies are not eligible for renewal and subsection (1) does not apply in respect of them. Information required for annual rate reassessment 63(1) For the purpose of reassessing the vehicle insurance premium payable in relation to a person's next annual rating term, the corporation may, by notice in accordance with subsection (2), require the person to provide it with information about the vehicle or the vehicle's use if it considers (a) that it does not have accurate information available as of the person's annual selection date; and (b) that the required information is necessary. 63(2) The notice referred to in subsection (1) must be sent to the person at the address the corporation has on file for him or her and must (a) indicate the type of information that the person must provide; and (b) indicate whether the person (i) must provide the information at an office of the corporation or the registrar, or (ii) can provide the information at an agent's office. 63(3) If the person provides the required information before the anniversary day and pays the premium assessed for the next annual rating term of his or her policy, the corporation must issue him or her a new owner's certificate for the balance of the vehicle's registration period. 63(4) If the person does not provide the required information on or before a cutoff date determined by the corporation, the corporation must send the person a notice stating that it will suspend the person's owner's certificate at the expiration of the current annual rating term if the information is not provided before then. 63(5) If the person does not provide the required information before the anniversary day, the corporation may suspend his or her owner's certificate when his or her current annual rating term expires. What premium applies 64 The premium in force, in relation to (a) a new application, is the rate that was in effect on the day of the effective date of the policy; (b) a renewal application processed in respect of an annual or multi-year policy not more than 30 days after the policy expired, is the rate that was in effect on the customer's anniversary day immediately after the policy's expiration; (c) an annual rate reassessment processed in respect of an annual rating term of a multi-year policy not more than 30 days after the end of the previous annual rating term, is the rate that is in effect on the customer's anniversary day at the beginning of the annual rating term; (d) a reapplication respecting an annual policy, or an annual rating term of an multi-year policy, that is not covered by clause (b) or (c), is the rate that is in effect on the effective date of the annual policy or annual rating term in respect of which the premium is payable; (e) a reactivation of an annual or multi-year policy is the last rate that was in effect for the annual policy or the annual rating term of the multi-year policy; (f) a reapplication for a short-term policy made before a customer's anniversary day by a customer who has an about-to-expire policy covering the same vehicle or who had a policy covering the same vehicle that became active and inactive in the period between the day of the reapplication and his or her previous anniversary day, is the rate that was in effect for the first policy issued for the vehicle within that period; (g) a reapplication for a short-term policy, other than a reapplication referred to in clause (f), is the rate that is in effect on the effective date of the short-term policy; (h) a mid-term change or transfer of coverage, is the rate that applies to the policy (i) in respect of which the change is made, or (ii) that provided the coverage immediately before the transfer; (i) an estate-to-spouse transfer, is the rate that was in effect for the deceased person, unless that rate ceased to be in effect before the surviving spouse's most recent anniversary day, in which case it is the rate in effect on the effective date of the estate-to-spouse transfer; (j) a fleet buyout transfer, is the rate that was in effect for the seller, unless that rate ceased to be in effect before the purchaser's most recent anniversary day, in which case it is the rate in effect on the effective date of the fleet buyout transfer. Four-payments financing plan for annual policy 65(1) The following definitions apply in this section and in section 67. "due date" means a date in an annual rating term or annual registration period on which a payment is due under the four-payments financing plan, and (a) the first due date is two months after the anniversary day; (b) the second due date is five months after the anniversary day; and (c) the third due date is eight months after the anniversary day; but if the month in which a due date would occur does not contain the same day as the anniversary day, the due date shall be the last day of the month. (« date d'échéance ») "financial cutoff date" , in relation to (a) a n annual policy, means (i) the day that is five days after the anniversary day that begins the annual registration period, and (ii) for each month of the annual registration period after the month containing the first financial cut-off date, the day that is the same day of the month as the first financial cut-off date or, in the case of a month that does not contain the same day, the earliest day of the next month that is five days after the date of the anniversary day; and (b) an annual rating term of a multi-year policy, means (i) the day that is five days after the anniversary day that begins the annual rating term, and (ii) for each month of the annual rating term after the month containing the first financial cutoff date, the day that is the same day of the month as the first financial cutoff date or, in the case of a month that does not contain the same day, the earliest day of the next month that is five days after the date of the anniversary day. (« date de coupure ») 65(2) A person who, on or before the eighth financial cutoff date applicable to an annual policy or an annual rating term of a multi-year policy, (a) applies for an owner's certificate in respect of the policy, whether by way of an application for a new policy or renewal of a policy that expired on the day before the person's most recent anniversary day; or (b) applies to reactivate, or reapplies for, the owner's certificate in respect of the policy or annual rating term; may upon payment of the non-refundable administrative fee of $4 and interest charges, finance the annual premium or prorated premium, including the premium for any extension insurance and excess value coverage, in a maximum of four payments in accordance with subsection (3). 65(3) Financing under subsection (2) may be made as follows: (a) if the application is made on or before the second financial cutoff date, the applicant shall pay (i) on the date of the application, an amount equal to the prorated premium less 75% of the annual premium, (ii) on the first due date, an amount equal to 25% of the annual premium, (iii) on the second due date, an amount equal to 25% of the annual premium, and (iv) on the third due date, an amount equal to 25% of the annual premium; (b) if the application is made after the second financial cutoff date but on or before the fifth, the applicant shall pay (i) on the date of application, an amount equal to the prorated premium less 50% of the annual premium, (ii) on the second due date, an amount equal to 25% of the annual premium, and (iii) on the third due date, an amount equal to 25% of the annual premium; (c) if the application is made after the fifth financial cutoff date but on or before the eighth, the applicant shall pay (i) on the date of application, an amount equal to the prorated premium less 25% of the annual premium, and (ii) on the third due date, an amount equal to 25% of the annual premium. 65(4) A person who receives an annual rate reassessment for the next annual rating term of a multi-year policy may, on or before his or her anniversary day for that term, and upon payment of the non-refundable administrative fee of $4 and interest charges, finance the annual premium or prorated premium, including the premium for any extension insurance and excess value coverage, in a maximum of four payments, as follows: (a) payment of 25% of the annual premium is due on the anniversary day at the beginning of the annual rating term; (b) payment of 25% of the annual premium is due on the first due date; (c) payment of 25% of the annual premium is due on the second due date; (d) payment of 25% of the annual premium is due on the third due date. 65(5) A person who, before the third due date applicable to an annual policy or an annual rating term of a multi-year policy, applies for a midterm change may, upon payment of the administrative fee of $4 and interest charges, pay any increase in premium as follows: (a) where the application is made before the first due date, the increase in premium shall be divided into three equal payments, each of which is not more than 25% of the annual premium, that shall be payable on the first, second and third due dates; (b) where the application is made on or after the first due date but before the second, the increase in premium shall be divided into two equal payments of not more than 25% of the annual premium, that shall be payable on the second and third due dates; (c) where the application is made on or after the second due date but before the third, the increase in premium, to a maximum of 25% of the annual premium, shall be payable on the third due date; provided that any increase in premium beyond what is payable under clauses (a) to (c) is paid on the date of application. 65(6) If a person has chosen to pay his or her annual premium for an annual rating term by a four-payment plan under this section, the corporation shall notify the person of the installments payable under the plan for the next annual rating term, and shall recalculate the total interest payable under the plan in accordance with subsection (8). 65(7) If the premium for a policy covered by a four-payments financing plan is increased or decreased because of information about the driving history of the insured that becomes available after the insured's annual selection date in relation to the policy and results in a change in the insured's driver safety rating in relation to it, (a) the corporation shall notify the registered owner of the change; (b) the instalments payable under the plan shall be recalculated as if the change had been made on the anchor date of the policy, and the total interest payable under the plan shall be recalculated as of the date of notification to the registered owner; (c) any increase in the interest payable under the plan and in the instalments of premium that were payable before the date of the change is payable on the date of the change; (d) any decrease in the interest payable under the plan or in the instalments of premium payable before the date of the change is refundable to the registered owner. 65(8) The interest payable under the four-payments financing plan shall be calculated according to the following rules and shall be prepaid in full on the date of application for the financing under subsection (2) or (4) or the date of application for a midterm change under subsection (5), as the case may be: 1. The annual rate of interest is two percentage points above the prime interest rate charged by the corporation's principal banker on the 60th day before the end of the corporation's last fiscal quarter that ended before the date of the application for the financing under subsection (2) or (4). 2. The total interest to be prepaid is the sum, rounded to the nearest dollar, of (a) interest calculated as of the first due date on the unpaid portion of the premium from the effective date of the annual policy to the first due date or, in the case of a multi-year policy, from the effective date of the annual rating term to that due date; (b) interest calculated as of the second due date on the unpaid portion of the premium from the later of the first due date and the effective date of the annual policy to the second due date or, in the case of a multi-year policy, from the effective date of the annual rating term to that due date; and (c) interest calculated as of the third due date on the unpaid portion of the premium from the later of the second due date and the effective date of the annual policy to the third due date or, in the case of a multi-year policy, from the effective date of the annual rating term to that due date. 65(9) This section does not apply in relation to a trailer with a declared value of not more than $2,500, an off-road vehicle, a motorcycle, a moped, a vehicle with a collector passenger vehicle or a collector truck insurance use, a short-term policy or a non-owned vehicle extension policy. M.R. 40/2021 Pre-authorized payment plan 66(1) The following definitions apply in this section and in sections 66.1 and 68. "adjustment" means (a) in relation to financing of policies applicable to an annual riding season, the amount determined by the following formula: A × B/C In this formula, A is the amount of the increase in the annual premium and fees, B is the number of days between the effective date of the change and the next pre-authorized payment, C is the number of days remaining in the annual policy, or in the annual rating term of a multi-year policy, on the effective date of the change, (b) in relation to financing of policies applicable to a summer or winter riding season, the amount determined by the following formula: A × B In this formula, A is (i) when the change or application falls within the riding season for the annual policy being financed or — in the case of a multi-year policy — the annual rating term being financed, the number of days from the date of the change or the effective date of the annual policy or annual rating term to the next scheduled pre-authorized payment date, or (ii) when the change or application falls outside of the riding season for the annual policy being financed or — in the case of a multi-year policy — the annual rating term being financed, the number of days from the first day of the riding season to the next scheduled pre-authorized payment date; B is the daily earning rate. (« rajustement ») "bank account" means a Canadian funds deposit account with a Canadian financial institution that is a member of the Canadian Payments Association established under the Canadian Payments Act (Canada) and every local cooperative credit society, as defined in that Act, that is a member of a central, as defined in that Act, that is a member of the Canadian Payments Association. (« compte bancaire ») "credit card account" means a credit card account with MasterCard or VISA. (« compte-carte ») "financing account" means an account established by the corporation for the purpose of tracking the amounts paid and payable under a pre-authorized payment agreement. (« compte de paiement ») "payor" means, in relation to a pre-authorized payment agreement, the person who has authorized payments under the agreement to be charged or debited to his or her credit card account or bank account. (« payeur ») "pre-authorized payment" means a payment that is made under a pre-authorized payment agreement and either (a) charged to a credit card account of the payor; or (b) debited to a bank account of the payor as a pre-authorized debit under the rules of the Canadian Payments Association. (« paiement préautorisé ») "pre-authorized payment date" means the day of the month specified in a pre-authorized payment agreement for pre-authorized payments, other than the initial payment, to be made under the agreement except that, for any month that does not contain the specified day, the pre-authorized payment date is the last day of the month. (« date des paiements préautorisés ») "premium" includes a registration charge specified in the Charges for Licences, Registrations, Permits and Other Services Regulation , Manitoba Regulation 42/2006. (« prime ») "prepayment" means the voluntary payment of an amount that is (a) payable but not yet due under a pre-authorized payment agreement; and (b) applied on the date of payment to reduce the financing account balance in respect of the agreement. (« paiement anticipé ») 66(2) Subject to sections 68 and 69, a person may enter into a pre-authorized payment agreement with the corporation to finance the annual premium or prorated premium for an annual policy or an annual rating term of a multi-year policy, including the premium for any extension insurance and excess value coverage, in accordance with subsection (3), if (a) at least 60 days before his or her next anniversary day, he or she (i) applies for an owner's certificate in respect of the policy, whether by way of an application for a new policy or renewal of a policy that expired on the day before the person's previous anniversary day, or (ii) applies to reactivate the policy, applies for a midterm change in respect of the annual policy or annual rating term, or reapplies for the owner's certificate in respect of the annual policy or annual rating term, and provides the corporation with a completed pre-authorized payment agreement at the time of the application or reapplication; or (b) he or she receives an annual rate reassessment for his or her next annual rating term and provides the corporation with a completed pre-authorized payment agreement on or before to his or her anniversary day for that term. By entering into the agreement, the person agrees to pay the non-refundable administrative fee and interest charges set out in the agreement form. 66(3) Financing under subsection (2) may be made as follows: (a) the person must, on each pre-authorized payment date, make the required payment by a pre-authorized debit from the bank account designated in the agreement or by a pre-authorized credit drawing from the credit card account designated in the agreement; (b) if the premiums are financed over an annual riding season, (i) the first payment is due on the effective date of the first policy in the agreement, (ii) each of the rest of the payments, but for the last, is due not later than one month after the preceding payment, and (iii) the last payment is due not later than one month before the expiration date of the annual policy period or current annual rating term of the policies covered by the agreement; (c) if the premiums are financed over the summer or winter riding season, (i) after adjustments, the first payment for seasonal products is due on the first pre-authorized payment date occurring in the riding season, (ii) each of the rest of the payments, but for the last, is due not later than (A) one month after the previous payment, if that date occurs within the riding season, or (B) if the date specified in paragraph (A) occurs outside the riding season associated with the product, the next pre-authorized payment date in the next month of that riding season, and (iii) the last payment is due not later than one month before the end date of the annual policy period or current annual rating term of the policies covered by the agreement; (d) all payments under the financing agreement are to be equal, except that (i) for months containing payments for the summer or winter riding season, these payments are to be equal over each riding season, and are combined with the annual riding season payments into one payment for the affected periods, and (ii) the final payment may be less due to rounding. 66(4) If a person has chosen to pay his or her annual premium in respect of an annual rating term by a pre-authorized agreement, (a) the annual reassessment of the premium is effective as of the anniversary day that begins the annual rating term; (b) the corporation shall allocate the total premium and interest payable under the agreement in accordance with clause (3)⁠(b), (c) or (d); and (c) the corporation shall notify the policyholder of the change and provide him or her with a revised payment schedule. 66(5) For the purposes of subsections (2) and (3), adjustments will be calculated to, and payable on, the date the premium and administrative fees change (a) for an annual riding season, due to changes to an existing pre-authorized payment agreement; and (b) subject to subsection (4), for a winter or summer riding season, due to a pre-authorized payment agreement being entered into, or being changed. 66(6) No adjustment payment will be required where the initial payment for seasonal financing includes a seasonal amount, as may be prescribed by the corporation, or when the selected pre-authorized payment date is the same day as the start of the riding season. 66(7) A pre-authorized payment agreement must be in a form approved by the corporation and must set out (a) the principal amount payable under the agreement, which shall include (i) the premiums payable for all policies covered by the agreement, including the premiums for any extension insurance or excess value coverage, and (ii) the administration fee; (b) the rate of interest payable on the principal amount and the manner in which interest is calculated; (c) the number of policies covered by the agreement; (d) the term of the agreement; (e) the initial payment date, which shall be the effective date of the agreement; (f) the payment schedule, including the pre-authorized payment dates and the amounts payable on those dates; and (g) the authorization for the corporation to charge the pre-authorized payments to a specified credit card account or to debit the pre-authorized payments to a specified bank account of the person granting the authorization. 66(8) Interest payable under a pre-authorized payment agreement (a) is payable on the principal balance of the financing account remaining unpaid from time to time from the initial payment date under the agreement until the principal is paid in full, but interest accrues for a seasonal product only during the riding season associated with the product; (b) is payable at the annual rate of interest equal to two percentage points above the annual prime rate of interest charged by the corporation's principal banker on the 60th day before the end of the corporation's last fiscal quarter that ended before the effective date the agreement; and (c) shall be calculated, rounded to the nearest cent, on the date of each payment or credit to the financing account established by the corporation in respect of the agreement. 66(9) All pre-authorized payments to a financing account shall be applied first to unpaid interest accrued to the date of the payment and then to principal. 66(10) All amounts, other than pre-authorized payments, paid or credited to a financing account shall be applied first to principal and then to any accrued and unpaid interest. 66(11) The pre-authorized payment date specified in a pre-authorized payment agreement may be changed at the request of the registered owner, but the period between pre-authorized payment dates shall not be allowed to exceed one month. If the pre-authorized payment date is changed, the corporation shall provide the registered owner with a revised pre-authorized payment schedule. 66(12) The registered owner under a pre-authorized payment agreement may apply, before the last pre-authorized payment date, for an increase in the principal amount financed under the agreement to cover (a) an increase in a premium for a policy covered by the agreement; or (b) the premium for a new policy being added to the agreement. 66(13) No policy with an anniversary day different than the anniversary day of a policy covered by an existing pre-authorized payment agreement may be added to the agreement. 66(14) The following administration fee is payable in respect of each new policy added to a pre-authorized payment agreement, and shall be added to the financing account established in respect of the agreement: (a) a fee of $4, if the policy is transferred from a four-payments financing plan; (b) a fee of $4, in any other case. 66(15) If the premium for a policy covered by a pre-authorized payment agreement is increased or decreased because of information about the driving history of the insured that becomes available after the insured's annual selection date in relation to the policy and results in a change in the insured's driver safety rating in relation to it, (a) the change in the premium is effective as of the anchor date of the policy, and the increase or decrease shall be added or credited to the financing account balance effective the day that the change is made; (b) the total increase or decrease in premium and interest payable under the agreement shall be allocated equally among the remaining payments due under the agreement that are more than 15 days after the date of the change; and (c) the corporation shall notify the registered owner of the change and provide the registered owner with a revised payment schedule. 66(16) If a policy covered by a pre-authorized payment agreement is cancelled, the financing account shall be credited with the amount that would have been refundable as a result of the cancellation if the premium had been paid in full. The credit shall be applied to amounts financed for the same riding season for which the policy was cancelled. If after the cancellation there is no remaining policy for that riding season, the balance then owing under the financing account, if any, is immediately due and payable. 66(17) If a policy covered by a pre-authorized payment agreement is transferred to another vehicle, the financing account shall be credited with the amount that would have been refundable to the registered owner if the premium had been paid in full and the policy had been cancelled on the date of the transfer. The credit shall be applied to amounts financed for the same riding season for which the policy was transferred. If after the transfer there is no remaining policy for that riding season, the balance then owing under the financing account for that riding season, if any, is immediately due and payable. 66(18) Prepayments shall be allocated (a) first to the amount financed, if any, that coincides with the summer or winter riding season that was in effect on the day on which the pre-payment was made; (b) then to the amount financed for an annual riding season; and (c) finally, to any future payment. 66(19) If the balance payable under a pre-authorized payment agreement is increased under subsection (12), (14) or (15) or is reduced under subsection (15), (16) or (17) or because of a prepayment, (a) the change does not constitute a new agreement; (b) subject to clause (15)⁠(c), the amount of any adjustment greater than $5 in respect of the period before the next pre-authorized payment date is payable on the date of the change; (c) the remaining payments due under the agreement, after deducting the amount of any adjustment, shall be increased or decreased, based on the riding season, to ensure that they will be equal; and (d) the corporation shall provide a revised payment schedule to the payor. 66(20) When every policy for any riding season covered by a pre-authorized payment agreement has expired, been cancelled, or the financing account balance for the riding season has been reduced to $5 or less, the financing account balance for that riding season, if any, is immediately due and payable. M.R. 67/2019 ; 40/2021 Transition — credit card payments no longer accepted after May 23, 2019 66.1 Despite section 66, (a) after May 23, 2019, a person is not permitted to enter into a pre-authorized payment agreement for an annual or multi-year policy (or its reapplication, reactivation, or renewal) in which the payment is charged to a credit card account; and (b) on the first annual rating term commencing after May 23, 2019 for an active multi-year policy, a payor is not permitted to make the required payment by way of a pre-authorized credit drawing on a credit card account. M.R. 67/2019 Default under either financing plan 67(1) In the event of a default in the payment of any amount payable under the four-payments financing plan or a pre-authorized payment agreement, the registered owner shall pay, without delay, the amount in default plus an additional fee of $20. 67(2) Subsection (1) does not apply in respect of payment of an annual premium, or the first installment of a four-payments financing plan, for an annual rating term that is due on the anniversary day at the beginning of the annual rating term. 67(3) If an amount payable under subsection (1) greater than $50 remains unpaid on the 25th day after the day on which the default occurred, the owner's certificate and vehicle registration, if applicable, may be suspended immediately and, if it is suspended, (a) the balance owing in respect of the policy shall be credited to the riding season applicable to that policy with the amount that would have been refundable to the registered owner if the premium had been paid in full and the policy had been cancelled on the date of the suspension; and (b) the owner is ineligible for any financing under section 65 or 66, (i) in the case of the first default within a 36-month period, for the remainder of the registration period, and (ii) in the case of another default within a 36-month period, for the remainder of the registration period and the following registration period; and (c) section 47 applies to the amount in arrears. 67(4) If the reassessed annual premium payable in respect of an annual rating term of a multi-year policy is not paid on or before the anniversary day that begins the annual rating term, the corporation may suspend the owner's certificate immediately after the anniversary day, and the vehicle registration, if any, is liable to be suspended under section 92 of The Drivers and Vehicles Act . Clauses (2)⁠(a) to (c) apply, with necessary changes, in respect of a suspension under this section. M.R. 94/2023 Fee for dishonoured cheque, debit or charge 68 A person whose cheque or pre-authorized payment of any amount payable to the corporation is not honoured by the financial institution against which it is drawn or authorized to be debited or charged shall, upon being notified that the cheque, debit or charge has been dishonoured, pay by cash, certified cheque, cashier's cheque, money order, credit card or debit card the amount dishonoured together with an additional fee of $20. Pre-authorized payment agreement limitations 69 A person shall not be permitted, during the term of a pre-authorized payment agreement, to (a) change to any other method of payment; or (b) be named, as a registered owner, in any other pre-authorized payment agreement. Completion of application 70 A person who receives an application form for insurance on a vehicle or under a driver's certificate, or receives an annual rate reassessment notice, may (a) mail the completed application form or the annual rate reassessment notice to the corporation or the registrar, along with (i) the amount of such basic premium and surcharge as, having been assessed, are payable, (ii) the premium for any extension insurance coverages and applicable underwriting surcharge that, having been selected by the applicant, are payable, and (iii) the premium for excess value coverage, if any; or (b) attend personally at an office of the corporation or the registrar, or (if the transaction is one that may be processed by an agent) at an agent's office, and (i) pay the amount of such basic premium and surcharge as, having been assessed, are payable, (ii) pay the premiums for any extension insurance coverages and applicable underwriting surcharge that, having been selected by the applicant, are payable, and (iii) pay the premium for excess value coverage, if any. Entitlement of applicant 71(1) Subject to clause 47(1)⁠(b), where an application is forwarded by mail to the corporation or the registrar, the corporation or the registrar, upon being satisfied that the application has been duly completed according to its tenor and that all moneys payable have been remitted, shall issue and send to the applicant the applicable (a) owner's certificate, registration card and transfer of ownership document in respect of the vehicle for which application is made, validated for the registration period for which it is issued; and (b) the number plate. 71(2) Subject to clause 47(1)⁠(b), where an application is presented personally at the office of the corporation or the registrar, or processed through an agent, and has been duly completed according to its tenor, if all moneys due thereon have been paid, the applicant is entitled to receive forthwith the applicable (a) owner's certificate, registration card and transfer of ownership document in respect of the vehicle for which application is made, validated for the registration period for which it is issued; (b) receipt showing, among other things, the particulars of payment; and (c) the number plate. 71(3) A temporary document issued to an applicant shall be replaced as soon as is practicably possible by a registration card, transfer of ownership document or owner's certificate validated for the registration period for which it is issued; and the temporary document is not valid in any event after the expiration of the registration period during which it was issued. PART 4 AGENTS Agent of corporation 72 Subject to section 73, the registrar is constituted the agent of the corporation for all matters relating to the receipt of applications, the issue of certificates, the collection and receipt of moneys, and for all other matters for which authority or direction is contained in this regulation. Scope of authority 73 Subject to sections 74 and 75, the corporation may appoint agents for the registrar to receive and process all applications and other transactions as may be specified in Schedule A. Qualifications 74(1) The corporation shall not appoint any person as an agent unless that person is an agent licensed by the Superintendent of Insurance, under section 371 of The Insurance Act , to act as an agent in respect of the sale of automobile insurance. 74(2) Notwithstanding subsection (1), the corporation may appoint, as an agent, any person who does not strictly qualify under the requirements of this Part. Appointment by chief executive officer 75 An agent shall be appointed by the chief executive officer of the corporation, and the location at which the agent is authorized to conduct the business affairs arising out of the agent's appointment shall be subject to the approval of the chief executive officer. Continuous qualification 76 Subject to the appointment of an agent being revoked or suspended for cause as set out in this Part, an agent is continuously qualified while holding a valid and subsisting agent's licence issued under section 371 of The Insurance Act authorizing him or her to act as an agent for the sale of automobile insurance. Death of agent 77(1) Where an agent dies, (a) the authority conferred by the appointment hereunder terminates immediately upon the occurrence of death; and (b) the chief executive officer may appoint another person to conduct the affairs of the agency on a temporary basis on such terms and conditions as the chief executive officer considers appropriate or may make a substitute appointment. 77(2) Where an agent dies, the corporation may appoint a receiver who (a) may enter upon the deceased agent's place of business for the purpose of taking possession and control of all moneys, bills of exchange, books, records, documents, and materials relating to the business carried on under the authority of the appointment of the agent; and (b) upon appointment, may compel the production and delivery to him or her by any other person, of the moneys, bills of exchange, books, records, documents and material formerly in the possession or control of the deceased agent. 77(3) A receiver appointed under subsection (2) may complete, on behalf of the deceased agent, any transaction in progress at the time of the agent's death, relating to the business carried on by the deceased agent under the authority of his or her appointment, and the receiver shall report the completion of any such transaction to the registrar, if it is one for which commissions would have been payable to the agent, as an agent's transaction, and the agent's estate is entitled to any such commission. Agent may solicit 78 An agent duly appointed by the chief executive officer is entitled to hold himself or herself out and to advertise and to solicit, as an agent for the corporation and for the registrar, and to offer to handle or process the application for a registration card, transfer of ownership document and owner's certificate in respect of the vehicles listed in Schedule A as it may be amended from time to time. Agent's manual 79 The corporation shall establish an agent's manual setting out the duties of an agent, and every agent shall act strictly in accordance with the instructions contained in the manual and other instructions circulated to agents from time to time, and whether the insurance offered arises out of a plan provided by this regulation, or otherwise. Bankruptcy 80 The authority conferred upon an agent by this regulation terminates forthwith if the agent commits an act of bankruptcy. Agent's list if in default 81 Where an agent defaults at any time in the payment, or deposit in his or her agent's bank account, of moneys paid to him or her on any application under this regulation, the agent shall not sell or otherwise dispose of the list that constitutes his or her clientele in respect of the business carried on by him or her under the authority of the appointment conferred hereunder, until the default is remedied. Suspension in the event of breach 82(1) Where an agent has committed a material breach of any instruction contained in the agent's manual or any other instruction published and circulated to agents from time to time, or is in material breach, or in contravention of any provision contained in this regulation, the chief executive officer of the corporation, upon written notice to the agent setting out the details of the breaches alleged against him or her, may suspend the agent's appointment and the chief executive officer of the corporation may appoint a receiver who may enter the agent's place of business, and take possession and control of all moneys, bills of exchange, records, documents, and inventory supplied to the agent, and other material connected with the business arising out of the agent's appointment, and may demand, and shall receive, from the agent, an immediate accounting in respect of any moneys received by the agent on any application under this regulation. 82(2) Upon receipt of the notice required under subsection (1), the agent may make written submission to the chief executive officer of the corporation, within five days, showing cause why his or her appointment should not be revoked. 82(3) Where the chief executive officer of the corporation receives a written submission under subsection (2), he or she shall notify the agent of a date and time set within 10 days thereof, at which the agent may appear before the chief executive officer of the corporation in respect of the submission, and upon the date so set, whether or not the agent appears at the hearing, the chief executive officer of the corporation shall consider the agent's submission, and may either (a) reinstate the agent's appointment either absolutely or upon terms; or (b) revoke the agent's appointment. 82(4) Upon the date that the authority of an agent is terminated pursuant to the revocation of his or her appointment, the chief executive officer of the corporation may appoint a receiver to wind up that portion of the agent's business that arises out of the appointment as an agent; and a receiver so appointed may enter in and upon the agent's place of business, and take possession and control of all moneys, bills of exchange, records, documents, and other material connected with the business arising out of the agent's appointment, and, subject to the direction of the chief executive officer of the corporation, may wind up the agent's business that arises out of the authority conferred by the agent's appointment. 82(5) An agent who is aggrieved by a revocation of an appointment under subsection (3) may apply to the Court of King's Bench, by originating notice of motion, for reinstatement, and the court shall order reinstatement if it is satisfied that the breach alleged did not occur or (a) that the breach was inadvertent, insignificant, and occurred only in an isolated case; and (b) that no moneys received by the agent under the authority of his or her appointment were misappropriated or converted by the agent. 82(6) Where the court is satisfied that the breach alleged did not occur, the agent is entitled to the cost of the application. PART 5 VEHICLES EXEMPTED Vehicles used interprovincially 83(1) Notwithstanding any other provision of this regulation, the registered owner of a vehicle for which a registration card is issued in Manitoba may be exempted, either wholly or partially, from the requirements of this regulation upon satisfying the registrar that (a) the vehicle is concurrently registered and licensed under, and according to, the laws of another jurisdiction; (b) the vehicle is used for interprovincial or international carriage of persons or goods; and (c) at least to the extent required by the law of Manitoba, the registered owner of the vehicle is insured against the liability imposed by law in respect of bodily injuries to, or the death of, another person or other persons, and in respect of the loss or destruction of property of others arising out of the ownership, operation, care, or control of that vehicle. 83(2) Notwithstanding any other provision of this regulation, the registered owner of a truck or a commercial truck that is operated in Manitoba under the authority of a registration card may be exempted, either wholly or partially, from the requirements of this regulation upon satisfying the registrar that (a) the vehicle has first been registered and licensed pursuant to the laws of another province, territory or state; (b) that province, territory or state has enacted laws providing a system of insurance substantially similar to the system under the Act and the regulations made under the Act; and (c) the registered owner of the vehicle is not ordinarily resident in Manitoba but is ordinarily resident in another province of Canada or a state of the United States of America. PART 6 COMING INTO FORCE Coming into force 84 This regulation comes into force on March 1, 2019. SCHEDULE A AGENT'S TRANSACTIONS 1 Except as otherwise provided in this Schedule, an agent may process any application in respect of the following classes of vehicles: (a) a vehicle for which number plates are issued for a passenger vehicle, as defined in the Automobile Insurance Coverage Regulation , and registered in the Passenger Cars registration class under The Drivers and Vehicles Act ; (b) a vehicle for which number plates are issued for a truck, as defined in the Vehicle Registration Regulation , and registered in the Trucks registration class under The Drivers and Vehicles Act ; (c) a vehicle for which number plates are issued for a limited-use commercial truck, as defined in Vehicle Registration Regulation , having a registered gross weight of 4,500 kg or more and registered in the Limited-Use Commercial Trucks (registered gross weight of 4,500 kg or more) registration class under The Drivers and Vehicles Act ; (d) a vehicle for which number plates are issued for a farm truck, as defined in The Highway Traffic Act , and registered in the Farm Trucks registration class under The Drivers and Vehicles Act ;

(e) a vehicle for which number plates are issued for a commercial truck, as defined in The Drivers and Vehicles Act , and registered in the Commercial Trucks registration class under The Drivers and Vehicles Act , except for a vehicle registered under the Canadian Agreement on Vehicle Registrations or the International Registration Plan; (f) a vehicle for which number plates are issued for a trailer, as defined in The Highway Traffic Act , and registered in the Trailers registration class or the Commercial Trailers registration class under The Drivers and Vehicles Act ; (g) a motorcycle or moped, as defined in The Highway Traffic Act ; (h) an off-road vehicle, as defined in The Off-Road Vehicles Act ; (i) a vehicle which qualifies for lay-up vehicle coverage; (j) non-owned vehicles. M.R. 40/2021 2 An agent may not process an application for an owner's certificate in respect of a vehicle which is not at the time of the application designated in a registration card in the name of the applicant, if the vehicle is a consular vehicle, other than a lay-up vehicle, to be registered in the name of a foreign government. 3 An agent may not process an application involving a substituted vehicle unless both the substituted vehicle and the vehicle for which it is substituted are within the classes of vehicles listed in section 1 of this Schedule. 4 An agent may not process any transaction involving a change of registration classification or a change of premium classification in respect of any one vehicle unless such change is within the classes of vehicles listed in section 1 of this Schedule. SCHEDULE B INSURANCE USES SCHEDULE C BODY STYLE DESCRIPTIONS BODY STYLE DESCRIPTIONS "chassis mounted camper" is a body style describing a truck which has living accommodation permanently attached to a truck chassis with the cab and living facilities being separate units with no access to the living facilities from the cab; (« campeuse sur châsis ») "crewcab" is a body style describing a truck with the passenger/driver area lengthened to allow rear seating, with a second pair of forward-hinged rear doors and with the cargo carrying area having low sides constructed as part of the chassis; (« cabine double ») "crewcab service truck" is a body style describing a truck built on a crewcab chassis which has, on either side of the cargo carrying area any combination of low storage boxes or lockers or shelves; (« camion de service à cabine double ») "extended cab" is a body style describing a truck with the driver and passenger area extended to include an area behind the front seats, which may or may not allow rear seating, with one, two or no rear doors, which, if present, are reverse-hinged and with the cargo carrying area having low sides constructed as part of the chassis; (« cabine approfondie ») "extended cab service truck" is a body style describing a truck built on an extended cab chassis which has, on either side of the cargo carrying area, any combination of low storage boxes or lockers or shelves; (« camion de service à cabine approfondie ») "light delivery" is a body style describing a truck designed and used to transport cargo in a box-like cargo section; which may or may not have direct access to and from the driver's compartment; (« camion utilitaire léger ») "light pickup" is a truck consisting of a cab that is not extended to include an area behind the front seats, where the two doors are forward-hinged and with the cargo carrying area having low sides constructed as part of the chassis and with a maximum manufacturer's gross vehicle weight rating of 4,540 kg or less; (« camionnette ») "panel van" is a body style describing a truck designed so that the roof extends fully to the rear of the vehicle, enclosing a driver's compartment and cargo/passenger area, and which may or may not have direct access between both compartments; (« fourgonnette ») "service truck" is a body style describing a truck which has on either side of the cargo carrying area, any combination of low storage boxes or lockers or shelves; (« camion de service ») "sport utility vehicle" is a body style describing a truck which is designated by the manufacturer as a multipurpose vehicle, utility vehicle or sport utility vehicle. (« véhicule de sport ») SCHEDULE D (Subsection 48(1)) CREDIT PAYABLE ON CANCELLATION OR SURRENDER OF CERTIFICATE 1 The credit payable by the corporation upon the cancellation or surrender of an owner's certificate for an annual policy is the amount determined in accordance with the following formula rounded to the nearest dollar: A − B In this formula, A is the premium paid with respect to the policy; B is the greater of (a) $25, and (b) the premium paid with respect to the policy multiplied by the factor in the following table that corresponds to the number of days that the policy was in force: Number of days policy was in force Factor 1 0.0725 2 0.0751 3 0.0776 4 0.0802 5 0.0827 6 0.0852 7 0.0878 8 0.0903 9 0.0929 10 0.0954 11 0.0979 12 0.1005 13 0.1030 14 0.1056 15 0.1081 16 0.1106 17 0.1132 18 0.1157 19 0.1183 20 0.1208 21 0.1233 22 0.1259 23 0.1284 24 0.1310 25 0.1335 26 0.1360 27 0.1386 28 0.1411 29 0.1437 30 0.1462 31 0.1487 32 0.1513 33 0.1538 34 0.1564 35 0.1589 36 0.1614 37 0.1640 38 0.1665 39 0.1690 40 0.1716 41 0.1741 42 0.1767 43 0.1792 44 0.1817 45 0.1843 46 0.1868 47 0.1894 48 0.1919 49 0.1944 50 0.1970 51 0.1995 52 0.2021 53 0.2046 54 0.2071 55 0.2097 56 0.2122 57 0.2148 58 0.2173 59 0.2198 60 0.2224 61 0.2249 62 0.2275 63 0.2300 64 0.2325 65 0.2351 66 0.2376 67 0.2402 68 0.2427 69 0.2452 70 0.2478 71 0.2503 72 0.2529 73 0.2554 74 0.2579 75 0.2605 76 0.2630 77 0.2656 78 0.2681 79 0.2706 80 0.2732 81 0.2757 82 0.2783 83 0.2808 84 0.2833 85 0.2859 86 0.2884 87 0.2910 88 0.2935 89 0.2960 90 0.2986 91 0.3011 92 0.3037 93 0.3062 94 0.3087 95 0.3113 96 0.3138 97 0.3164 98 0.3189 99 0.3214 100 0.3240 101 0.3265 102 0.3291 103 0.3316 104 0.3341 105 0.3367 106 0.3392 107 0.3418 108 0.3443 109 0.3468 110 0.3494 111 0.3519 112 0.3544 113 0.3570 114 0.3595 115 0.3621 116 0.3646 117 0.3671 118 0.3697 119 0.3722 120 0.3748 121 0.3773 122 0.3798 123 0.3824 124 0.3849 125 0.3875 126 0.3900 127 0.3925 128 0.3951 129 0.3976 130 0.4002 131 0.4027 132 0.4052 133 0.4078 134 0.4103 135 0.4129 136 0.4154 137 0.4179 138 0.4205 139 0.4230 140 0.4256 141 0.4281 142 0.4306 143 0.4332 144 0.4357 145 0.4383 146 0.4408 147 0.4433 148 0.4459 149 0.4484 150 0.4510 151 0.4535 152 0.4560 153 0.4586 154 0.4611 155 0.4637 156 0.4662 157 0.4687 158 0.4713 159 0.4738 160 0.4764 161 0.4789 162 0.4814 163 0.4840 164 0.4865 165 0.4891 166 0.4916 167 0.4941 168 0.4967 169 0.4992 170 0.5018 171 0.5043 172 0.5068 173 0.5094 174 0.5119 175 0.5145 176 0.5170 177 0.5195 178 0.5221 179 0.5246 180 0.5272 181 0.5297 182 0.5322 183 0.5348 184 0.5373 185 0.5398 186 0.5424 187 0.5449 188 0.5475 189 0.5500 190 0.5525 191 0.5551 192 0.5576 193 0.5602 194 0.5627 195 0.5652 196 0.5678 197 0.5703 198 0.5729 199 0.5754 200 0.5779 201 0.5805 202 0.5830 203 0.5856 204 0.5881 205 0.5906 206 0.5932 207 0.5957 208 0.5983 209 0.6008 210 0.6033 211 0.6059 212 0.6084 213 0.6110 214 0.6135 215 0.6160 216 0.6186 217 0.6211 218 0.6237 219 0.6262 220 0.6287 221 0.6313 222 0.6338 223 0.6364 224 0.6389 225 0.6414 226 0.6440 227 0.6465 228 0.6491 229 0.6516 230 0.6541 231 0.6567 232 0.6592 233 0.6618 234 0.6643 235 0.6668 236 0.6694 237 0.6719 238 0.6745 239 0.6770 240 0.6795 241 0.6821 242 0.6846 243 0.6872 244 0.6897 245 0.6922 246 0.6948 247 0.6973 248 0.6999 249 0.7024 250 0.7049 251 0.7075 252 0.7100 253 0.7126 254 0.7151 255 0.7176 256 0.7202 257 0.7227 258 0.7252 259 0.7278 260 0.7303 261 0.7329 262 0.7354 263 0.7379 264 0.7405 265 0.7430 266 0.7456 267 0.7481 268 0.7506 269 0.7532 270 0.7557 271 0.7583 272 0.7608 273 0.7633 274 0.7659 275 0.7684 276 0.7710 277 0.7735 278 0.7760 279 0.7786 280 0.7811 281 0.7837 282 0.7862 283 0.7887 284 0.7913 285 0.7938 286 0.7964 287 0.7989 288 0.8014 289 0.8040 290 0.8065 291 0.8091 292 0.8116 293 0.8141 294 0.8167 295 0.8192 296 0.8218 297 0.8243 298 0.8268 299 0.8294 300 0.8319 301 0.8345 302 0.8370 303 0.8395 304 0.8421 305 0.8446 306 0.8472 307 0.8497 308 0.8522 309 0.8548 310 0.8573 311 0.8599 312 0.8624 313 0.8649 314 0.8675 315 0.8700 316 0.8726 317 0.8751 318 0.8776 319 0.8802 320 0.8827 321 0.8853 322 0.8878 323 0.8903 324 0.8929 325 0.8954 326 0.8980 327 0.9005 328 0.9030 329 0.9056 330 0.9081 331 0.9106 332 0.9132 333 0.9157 334 0.9183 335 0.9208 336 0.9233 337 0.9259 338 0.9284 339 0.9310 340 0.9335 341 0.9360 342 0.9386 343 0.9411 344 0.9437 345 0.9462 346 0.9487 347 0.9513 348 0.9538 349 0.9564 350 0.9589 351 0.9616 352 0.9644 353 0.9671 354 0.9699 355 0.9726 356 0.9753 357 0.9781 358 0.9808 359 0.9836 360 0.9863 361 0.9890 362 0.9918 363 0.9945 364 0.9973 365 1.0000 M.R. 94/2023 SCHEDULE D.1 (Clause 48(6)⁠(b)) CREDIT ON CANCELLATION OR SURRENDER OF CERTIFICATE NOT SEASONAL PRODUCTS 1 The credit payable by the corporation upon the cancellation or surrender of an owner's certificate for an annually rated policy is the amount determined in accordance with the following formula rounded to the nearest dollar: A − B In this formula, A is the premium paid with respect to the policy; B is the greater of (a) $25, and (b) the premium paid with respect to the policy multiplied by the factor in the following table that corresponds to the number of days that the policy was in force: Number of days policy was in force Factor 1 0.0027 2 0.0055 3 0.0082 4 0.0110 5 0.0137 6 0.0164 7 0.0192 8 0.0219 9 0.0247 10 0.0274 11 0.0301 12 0.0329 13 0.0356 14 0.0384 15 0.0411 16 0.0438 17 0.0466 18 0.0493 19 0.0521 20 0.0548 21 0.0575 22 0.0603 23 0.0630 24 0.0658 25 0.0685 26 0.0712 27 0.0740 28 0.0767 29 0.0795 30 0.0822 31 0.0849 32 0.0877 33 0.0904 34 0.0932 35 0.0959 36 0.0986 37 0.1014 38 0.1041 39 0.1068 40 0.1096 41 0.1123 42 0.1151 43 0.1178 44 0.1205 45 0.1233 46 0.1260 47 0.1288 48 0.1315 49 0.1342 50 0.1370 51 0.1397 52 0.1425 53 0.1452 54 0.1479 55 0.1507 56 0.1534 57 0.1562 58 0.1589 59 0.1616 60 0.1644 61 0.1671 62 0.1699 63 0.1726 64 0.1753 65 0.1781 66 0.1808 67 0.1836 68 0.1863 69 0.1890 70 0.1918 71 0.1945 72 0.1973 73 0.2000 74 0.2027 75 0.2055 76 0.2082 77 0.2110 78 0.2137 79 0.2164 80 0.2192 81 0.2219 82 0.2247 83 0.2274 84 0.2301 85 0.2329 86 0.2356 87 0.2384 88 0.2411 89 0.2438 90 0.2466 91 0.2493 92 0.2521 93 0.2548 94 0.2575 95 0.2603 96 0.2630 97 0.2658 98 0.2685 99 0.2712 100 0.2740 101 0.2767 102 0.2795 103 0.2822 104 0.2849 105 0.2877 106 0.2904 107 0.2932 108 0.2959 109 0.2986 110 0.3014 111 0.3041 112 0.3068 113 0.3096 114 0.3123 115 0.3151 116 0.3178 117 0.3205 118 0.3233 119 0.3260 120 0.3288 121 0.3315 122 0.3342 123 0.3370 124 0.3397 125 0.3425 126 0.3452 127 0.3479 128 0.3507 129 0.3534 130 0.3562 131 0.3589 132 0.3616 133 0.3644 134 0.3671 135 0.3699 136 0.3726 137 0.3753 138 0.3781 139 0.3808 140 0.3836 141 0.3863 142 0.3890 143 0.3918 144 0.3945 145 0.3973 146 0.4000 147 0.4027 148 0.4055 149 0.4082 150 0.4110 151 0.4137 152 0.4164 153 0.4192 154 0.4219 155 0.4247 156 0.4274 157 0.4301 158 0.4329 159 0.4356 160 0.4384 161 0.4411 162 0.4438 163 0.4466 164 0.4493 165 0.4521 166 0.4548 167 0.4575 168 0.4603 169 0.4630 170 0.4658 171 0.4685 172 0.4712 173 0.4740 174 0.4767 175 0.4795 176 0.4822 177 0.4849 178 0.4877 179 0.4904 180 0.4932 181 0.4959 182 0.4986 183 0.5014 184 0.5041 185 0.5068 186 0.5096 187 0.5123 188 0.5151 189 0.5178 190 0.5205 191 0.5233 192 0.5260 193 0.5288 194 0.5315 195 0.5342 196 0.5370 197 0.5397 198 0.5425 199 0.5452 200 0.5479 201 0.5507 202 0.5534 203 0.5562 204 0.5589 205 0.5616 206 0.5644 207 0.5671 208 0.5699 209 0.5726 210 0.5753 211 0.5781 212 0.5808 213 0.5836 214 0.5863 215 0.5890 216 0.5918 217 0.5945 218 0.5973 219 0.6000 220 0.6027 221 0.6055 222 0.6082 223 0.6110 224 0.6137 225 0.6164 226 0.6192 227 0.6219 228 0.6247 229 0.6274 230 0.6301 231 0.6329 232 0.6356 233 0.6384 234 0.6411 235 0.6438 236 0.6466 237 0.6493 238 0.6521 239 0.6548 240 0.6575 241 0.6603 242 0.6630 243 0.6658 244 0.6685 245 0.6712 246 0.6740 247 0.6767 248 0.6795 249 0.6822 250 0.6849 251 0.6877 252 0.6904 253 0.6932 254 0.6959 255 0.6986 256 0.7014 257 0.7041 258 0.7068 259 0.7096 260 0.7123 261 0.7151 262 0.7178 263 0.7205 264 0.7233 265 0.7260 266 0.7288 267 0.7315 268 0.7342 269 0.7370 270 0.7397 271 0.7425 272 0.7452 273 0.7479 274 0.7507 275 0.7534 276 0.7562 277 0.7589 278 0.7616 279 0.7644 280 0.7671 281 0.7699 282 0.7726 283 0.7753 284 0.7781 285 0.7808 286 0.7836 287 0.7863 288 0.7890 289 0.7918 290 0.7945 291 0.7973 292 0.8000 293 0.8027 294 0.8055 295 0.8082 296 0.8110 297 0.8137 298 0.8164 299 0.8192 300 0.8219 301 0.8247 302 0.8274 303 0.8301 304 0.8329 305 0.8356 306 0.8384 307 0.8411 308 0.8438 309 0.8466 310 0.8493 311 0.8521 312 0.8548 313 0.8575 314 0.8603 315 0.8630 316 0.8658 317 0.8685 318 0.8712 319 0.8740 320 0.8767 321 0.8795 322 0.8822 323 0.8849 324 0.8877 325 0.8904 326 0.8932 327 0.8959 328 0.8986 329 0.9014 330 0.9041 331 0.9068 332 0.9096 333 0.9123 334 0.9151 335 0.9178 336 0.9205 337 0.9233 338 0.9260 339 0.9288 340 0.9315 341 0.9342 342 0.9370 343 0.9397 344 0.9425 345 0.9452 346 0.9479 347 0.9507 348 0.9534 349 0.9562 350 0.9589 351 0.9616 352 0.9644 353 0.9671 354 0.9699 355 0.9726 356 0.9753 357 0.9781 358 0.9808 359 0.9836 360 0.9863 361 0.9890 362 0.9918 363 0.9945 364 0.9973 365 1.0000 M.R. 94/2023 SCHEDULE E UNDERWRITING SURCHARGES 1 A person who applies for an owner's certificate in respect of coverage under Part XI of the Automobile Insurance Coverage Regulation , Manitoba Regulation 290/88 R and who, in the underwriting surcharge period, has had a number of comprehensive coverage claims set out in column 1 of Table 1, shall pay the corresponding underwriting surcharge as set out in column 2 of Table 1. TABLE 1 OPTIONAL COMPREHENSIVE EXTENSION COVERAGE MOTORCYCLES AND MOPEDS Column 1 Number of Comprehensive Claims Column 2 Underwriting Surcharge 1 0% 2 50% 3 200% 4 or more 800% 2 Subject to section 3, a person who applies for an owner's certificate in respect of coverage under Part II, or collision or upset coverage under subsection 52(4) of Part III, of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000 and who, in the underwriting surcharge period, has had, the number of (a) at-fault claims as set out in column 1 of Table 2, shall pay the corresponding underwriting surcharge as set out in column 2 of Table 2; and (b) minor or major offence convictions as set out in column 1 of Table 2, shall pay the corresponding underwriting surcharges as set out in column 2 of Table 2. 3 For the purposes of section 2, the underwriting surcharges, if any, (a) are cumulative; and (b) shall be calculated on the basis of the usual driver included in the application who has the highest percentage underwriting surcharge. TABLE 2 OFF-ROAD VEHICLE ACCIDENT INSURANCE BENEFITS AND LOSS OF, OR DAMAGE TO, OFF-ROAD VEHICLES — COLLISION OR UPSET EXTENSION COVERAGE Column 1 Column 2 (A) Number of At-Fault Claims Underwriting Surcharge 1 50% 2 200% 3 or more 800% (B) Number of Minor Offence Convictions Underwriting Surcharge 1 or 2 0% 3 or 4 50% 5 or 6 200% 7 or more 800% (C) Number of Major Offence Convictions Underwriting Surcharge 1 50% 2 200% 3 or more 1600% 4 A person who applies for an owner's certificate in respect of comprehensive coverage under subsection 52(4) of the Off-Road Vehicles Insurance Coverage Regulation , Manitoba Regulation 139/2000 and who, in the underwriting surcharge period, has had a number of comprehensive coverage claims as set out in column 1 of Table 3 shall pay the corresponding underwriting surcharge as set out in column 2 of Table 3: TABLE 3 LOSS OF OR DAMAGE TO OFF-ROAD VEHICLES — COMPREHENSIVE Column 1 Number of Comprehensive Claims Column 2 Underwriting Surcharge 1 0% 2 50% 3 200% 4 or more 800%