Auto Insurance (MPI)

Manitoba Public Insurance coverage plus private top-up options. Our brokers find you the best combination of MPI and private auto coverage.

Get My Sandbox Mutual Quote →Call 204-571-1777

How Manitoba Auto Insurance Works

MPI Autopac is Mandatory. Sandbox Mutual Makes It Better.

Every registered Manitoba vehicle requires Basic Autopac through MPI. Sandbox Mutual provides an additional extension option layered directly on top of your MPI policy for higher limits, lower deductibles, and more comprehensive extended coverages.


Coverage Area	Basic MPI Autopac	Sandbox Mutual Extension
Third-Party Liability Limits	$500,000 Basic (MPI top-up max $5M)	$1,000,000 / $2,000,000 / $5,000,000
Collision Deductible Options	$200, $300, $500, $750, or $1,000	$100, $200, $350, $500, $750, or $1,000
Comprehensive Deductible Options	Subject to basic deductible	$50, $100, $200, $350, $500, $750, or $1,000
Leased / New Vehicle Replacement Cost	Limited to 24 months	48-Month Replacement Cost (Owned & Leased)
SEF 27 (Rental Car Insurance)	Separate add-on with restricted limits	Included when Liability, Coll & Comp are purchased
Lay Up Endorsement	Manual policy suspension / fee	Included at no additional cost (year-round licensed vehicles)
Excess Vehicle Value Coverage	Strict claim maximums	Vehicles valued higher than $70,000 & Commercial trucks
Mandatory Manitoba Coverage	Required by law (Basic Autopac)	Seamlessly layered on top of MPI by Ficek

Important: Sandbox Mutual Private Auto Extension works alongside your mandatory MPI Autopac and does not replace it. Ficek Insurance brokers handle both your MPI registration and your Sandbox extension in one visit at our Brandon offices at 1439 1st Street or 1525B 18th Street.

Free Quote — No Obligation

Get Your Sandbox Mutual Auto Quote from a Real Brandon Broker

Fill out this quick 3-step form and a licensed Ficek Insurance broker will personally contact you with your exact Sandbox Mutual coverage options and pricing — usually within 1 business day.

✓Collision Deductibles: $100, $200, $350, $500, $750, $1,000

✓Comprehensive Deductibles: $50, $100, $200, $350, $500, $750, $1,000

✓Third-Party Liability: $1,000,000 / $2,000,000 / $5,000,000

✓48-Month Replacement Cost (Owned & Leased)

✓SEF 27 Rental Car Insurance Included

✓Lay Up Endorsement Included at No Additional Cost

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