Harvest Insurance

Auto

Dedicated, Knowledgeable Staff

Our staff provides knowledgeable service and expertise that will review your coverage needs and advise what the best coverage is for you. Our staff is trained and educated to answer any and all questions and deal with your Automotive and Off Road Vehicle insurance concerns.

Avoid Lineups

Our office is equipped with 10 auto insurance work stations to provide efficient service.

Get What You Need

For any heavier trucks and trailers or if you are renting an off road vehicle and require extension coverage, our professional staff will help you through the process of getting the insurance you need.

Collector / Classic / Antique

Our office offers extension coverage through SMI for your everyday vehicles, travel trailers and your collector/classic vehicles valued up to $100,000. Some features SMI policies provide are automatic storage insurance when you decide to lay-up your vehicle, as well as automatic rental vehicle insurance when renting a vehicle in Canada or the USA. SMI may save you money and provide better coverage.

Are You A CAA Member?

As a CAA authorized broker partner, you can conveniently signup for your CAA membership at Harvest Insurance. In addition, we have access to the CAA Insurance Company line of products and can help you find a membership and insurance option that is best for you.

Frequently Asked Questions

  • Which documents are required to register a vehicle?

    The documents Manitoba Public Insurance require to register a vehicle are an unaltered original Bill of Sale, the Transfer of Ownership Document (if available), and a current valid Safety Inspection Certificate – the white copy is required. If you are purchasing a brand new vehicle, Manitoba Public Insurance requires an unaltered original Bill of Sale and the New Vehicle Information Statement.

  • I am renting a car, am I required to purchase my own rental car insurance?

    Manitoba Public Insurance provides rental car insurance on a short term basis at a low daily rate, which can lower your deductible, increase your third party liability and provide auto loss of use coverage for you and down-time coverage for the rental car company.

  • I would like to get a specialty plate/personalized plate. What are my options?

    Manitoba Public Insurance offers a wide variety of specialty plates and the option for a customized license plate. The applications are available a Harvest Insurance.

  • How can I report an accident?

    You can contact Manitoba Public Insurance directly at 1-800-665-2410.

  • I am interested in the Collector Insurance Program. How can my vehicle qualify for this insurance program?

    Manitoba Public Insurance requires a qualification form to be completed by the Manitoba Association of Automobile Clubs (MAAC). This form is available in our office. To be eligible for the program your vehicle will need to be at least 25 years old and valued at a minimum of $5,000.

  • I have purchased winter tires for my vehicle. Can I finance my winter tires through Manitoba Public Insurance?

    As of September 29, 2014, Manitoba Public Insurance now offers a Winter Tire Finance Program. Your winter tires can be financed from a period of 1-4 years for a maximum value of $2,000.

  • What is the difference between a reassessment year and a renewal year?

    A renewal year is when you will need to attend the office in person to take a photo for your driver’s license and obtain new stickers and registrations for any policies; this only takes place every 5 years. A reassessment year falls between the renewal years; this is when you can either attend our office to review your account in person and provide payment or do so over the phone.

  • What are my deductible options and do they provide benefits?

    Hagerty offers a wide range of deductibles as low as $0; this deductible is waived in all claims. Any deductible above this is required to be paid in the event of a claim. SMI offers a variety of deductibles as well as low as $100; this deductible waives collision with animal claims, glass repair, theft of vehicle, and vandalism.

  • I am restoring my collector/classic vehicle, can I purchase restoration insurance?

    Yes

  • In the event of a claim and my collector/classic vehicle is written off, would I receive the appraised value of the vehicle or actual cash value?

    You would receive the appraised value for your vehicle as settlement only if you have an agreed upon value policy with SMI or Hagerty.

  • Do I need to insure my collector/classic vehicle with MPI as well?

    Yes, you will still need to insure your vehicle with MPI as Hagerty and SMI only provide excess coverage.

  • Do I need to change my SMI policy if I decide to lay up my vehicle for a period of time?

    No, SMI automatically provides coverage for your vehicle when it’s laid up.