(204) 694-6787
Galaxy Insurance Brokers
— Auto insurance · Winnipeg

Real coverage for what gets you where you need to go.

In Manitoba, MPI Autopac is the floor — not the ceiling. We handle your Autopac renewal and add the optional coverage that protects you when the basics are not enough.

See what we shop
20+Carriers compared on your Autopac extension
Same dayQuote turnaround in most cases
3Languages — English, Hindi, Punjabi
— How auto works in Manitoba

MPI is mandatory. The rest is where a broker matters.

Every vehicle registered in Manitoba carries basic Autopac coverage from Manitoba Public Insurance. That part is not optional and not shoppable. Where we come in is everything else — collision and comprehensive deductibles that fit your budget, loss-of-use coverage so you have a rental while your car is being fixed, higher third-party liability limits, and the Special Risk Extension that covers what Autopac will not.

We are MPI brokers, so your Autopac renewal happens here in the same conversation as your extension coverage. One stop, one broker.

The view from inside a car on a Manitoba road, dashboard and steering wheel in soft light
Auto coverage that fits the way Manitoba drives
— Optional coverage

What we can shop for you.

The optional coverage worth a closer look. Tap any tab to see what is actually inside.

Collision deductible buy-down

Lower the out-of-pocket when you make a claim.

— What it covers
  • Reduces the Autopac collision deductible from $500 or $750 down to as low as $200.
  • Applies to at-fault claims, hit-and-runs you witness, and most single-vehicle losses.
  • Pays off quickly if you have one claim in the year — the savings outweigh the premium.
Worth knowing. The buy-down does not change your Autopac driver safety rating impact for at-fault claims.

Comprehensive deductible buy-down

Same idea for theft, hail, wildlife and falling-object claims.

— What it covers
  • Brings the comprehensive deductible down to $200 for non-collision claims.
  • Covers hail damage — a common Manitoba summer claim — and windshield-replacement out-of-pocket.
  • Also applies to theft, vandalism, fire, and animal collisions.
Worth knowing. Windshield-only claims through MPI's preferred network may have separate deductible handling.

Loss-of-use coverage

A rental car while yours is in the shop.

— What it covers
  • Pays for a rental vehicle or transportation costs while your car is being repaired after a covered claim.
  • Typical daily limits range from $35 to $75; total caps from $1,000 to $2,500 per claim.
  • Kicks in the day your vehicle is dropped off — no waiting period.
Worth knowing. Daily limits matter — choose a tier that actually covers a comparable rental class.

Third-party liability top-up

Raise your third-party liability above the MPI basic limit.

— What it covers
  • Autopac includes $200,000 of basic third-party liability — low by modern standards.
  • Most clients move to $1M or $2M. The cost difference is typically $30–$80 a year.
  • Protects your personal assets if you cause serious injury or property damage to others.
Worth knowing. If you own a home or rental property, $2M is the conventional minimum we recommend.

Special Risk Extension (SRE)

For modified vehicles, classics, ride-shares and out-of-province driving.

— What it covers
  • Required for any modifications MPI does not recognize — performance, body, audio, lift kits.
  • Covers vehicles used commercially or for ride-share platforms like Uber.
  • Adds coverage for extended out-of-province use where Autopac protection thins.
Worth knowing. SRE is mandatory in some cases — not a 'nice-to-have'. Tell us what you have done to the vehicle.

New-car replacement

Replace, not repair, in the first few years.

— What it covers
  • If your vehicle is written off in the first 24–48 months, you get a brand-new equivalent — not a depreciated payout.
  • Sits on top of Autopac collision and comprehensive; activates on total losses.
  • Most relevant on financed or leased vehicles, where 'replacement' value protects your loan balance.
Worth knowing. Term lengths vary by carrier — we will quote 24, 36, and 48 month options so you can compare.
— How it works

From quote to renewal, in four steps.

No back-and-forth, no forms in triplicate. Most clients are bound the same day they call.

  1. Step 01

    Tell us about your vehicles

    A five-minute call or quick online form. We capture what you drive, how you drive it, and where it lives overnight.

  2. Step 02

    We shop the market for you

    Your Autopac renewal stays with MPI. Everything optional — deductibles, SRE, top-up — we run across 20+ Canadian carriers.

  3. Step 03

    You review the options

    We come back with two or three real choices, plain-language trade-offs, and a recommendation you can question.

  4. Step 04

    We bind and renew

    We handle the paperwork, send your policy docs, and check back every year — your coverage is never set-and-forget.

— Premium factors

Why your rate is what it is.

A handful of things drive your auto premium in Manitoba: the vehicle itself, where it is parked overnight, how you use it (commute, pleasure, business), your driving record on file with MPI, and the optional coverage you choose. We walk you through each one so the price on the page is not a mystery.

Service in your language.

Auto policies are full of small print. If English is not the language you make decisions in, we walk through the policy in Hindi or Punjabi — same broker, same coverage, no detail lost in translation.

— FAQ

Common questions about Autopac and auto extension.

Does an auto insurance broker in Winnipeg actually choose my MPI Autopac coverage?
The base Autopac coverage is set by Manitoba Public Insurance and is uniform across every broker in the province. Where the choice happens is on the optional side — Autopac deductibles, third-party liability above the basic limit, loss of use, and Special Risk Extension. That is the conversation a Galaxy broker walks you through, in plain English, before you sign the renewal slip.
What is Special Risk Extension (SRE) and do I need it?
SRE is MPI's optional coverage for situations the basic Autopac policy excludes — driving outside Canada, using your vehicle for business or ride-share, carrying paid passengers, or operating a vehicle that is not yet registered in Manitoba. If any of those describe how you use your car, SRE is not optional in practice. We confirm what you need before you travel or take on the work.
How does the Driver Safety Rating (DSR) work in Manitoba?
Every Manitoba driver sits on a DSR scale from -20 to +20. Each claim-free, conviction-free year moves you up one level, increasing your premium discount. An at-fault claim or major conviction moves you down, often by several levels. The DSR is the single biggest lever on most Manitoba auto premiums, which is why we review it at every renewal and challenge any errors with MPI directly.
Can a Winnipeg broker help me lower my Autopac premium?
We can't change the base Autopac rate — MPI sets that — but we can lower your overall cost by choosing the right deductible, removing optional coverage you don't actually use, applying discounts you may have missed, and quoting Extension coverage against multiple private carriers. Most renewal reviews find savings somewhere.
What if I am new to Manitoba from another province or country?
Bring whatever driving record you have — a Driver Abstract from your previous province, or a letter of experience from your home-country insurer. We will translate it into Manitoba terms with MPI so your Driver Safety Rating reflects your actual history, not a clean slate. New immigrants and inter-provincial movers should not have to start from zero.
Can I get auto insurance help in Punjabi or Hindi in Winnipeg?
Yes. Every broker on the Galaxy team is fluent in English, and the team carries Hindi and Punjabi between them. Just tell us which language you'd prefer when you book, and we will schedule you with a broker who can explain the policy in that language without losing the meaning.
How do I renew my MPI Autopac through Galaxy?
Bring your renewal slip into any of our three Winnipeg offices — McPhillips @ Kingsbury, BrookPort Centreport, or Polaris Place — or send it to us by email. We process the Autopac transaction directly with MPI, review your Extension coverage at the same time, and only ask for what we actually need from you.
Can I shop my auto insurance every year?
The MPI Autopac portion is fixed and not shoppable. The optional and Extension coverage we add on top is fully shoppable across the private market, and we re-check it at every renewal to make sure you are still on the best fit.

Want a second opinion on your auto coverage?

A quick call is enough to know whether you are paying too much, missing coverage, or both.

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