What should you do if you increase your annual mileage while driving?

• A. Nothing, it does not need to be reported
• B. Report the increase to MPI
• C. Only report it if it exceeds 20,000 km
• D. Change your insurance provider

Answer: (B)

If you increase your annual mileage while driving, it is important to report this change to Manitoba Public Insurance (MPI) because your insurance premium can be affected by how much you drive. Higher mileage typically correlates with a greater risk of being involved in an accident. Insurance companies often calculate premiums based on the estimated risk associated with the policyholder’s driving habits, including how far they drive each year.

By reporting the increase, you help ensure that your insurance coverage accurately reflects your situation. This not only maintains compliance with MPI regulations but also allows for the proper calculation of your premiums based on your current driving patterns. Failure to report changes in mileage could result in complications in the event of a claim, as the insurer must have accurate information to assess risk and provide appropriate coverage.