Storage (Lay Up) Insurance

Not using your vehicle?  –  Purchasing storage (lay up) insurance can help protect you while your car isn’t being used. 

Why Do You Need It

The cost of storage insurance is very inexpensive and depending on the car could cost around $7.00 to $15.00 per month.
If you vehicle is financed or leased, you will be required to keep insurance on the vehicle as a condition of the finance/lease. Be aware that some finance companies/lease companies require that you also maintain collision coverage and Autopac’s Lay up policy does not provide collision coverage.
Reider Insurance can sell you a separate policy that would then allow you to cancel your Autopac policy and would maintain collision and comprehensive coverage.


If you are not going to be using your vehicle, you can save money by cancelling your insurance while you are not using the vehicle, however you would have no coverage if something happens to the vehicle.

When you change your insurance and/or purchase a storage (Autopac Lay Up Policy), you are covered if something happens to your vehicle as long as it is not collision.

You can switch between regular Autopac (ie. driving insurance) and storage lay up coverage any time and switch back any time.

If you are storing your vehicle outside the Province, Autopac Lay Up Policy will not provide coverage, however we can sell you a separate policy through MPI – Special Risk Extension department.

Storage Lay UP coverage is available from Autopac, but there are options to purchase from other insurance companies.

What’s Covered?

There is NO Collision Coverage on the Storage policy.

If you vehicle is being stored in a location where is might be hit (ie. hit and run), then you would not have coverage unless you knew and could prove who hit the vehicle. If you store your vehicle indoors, and the building collapses, you would not be covered without collision coverage.


Comprehensive provides coverage for fire, explosion, vandalism, hail, glass breakage, theft and flooding.

Comprehensive Deductible

Type of Vehicle
Storage Lay Up Coverage $100


If the vehicle is stolen, the deductible is waived ($0 Deductible).

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*  Please note all types of policies have exclusions, conditions and limitations.  This information is not intended to be a full explanation of coverages and in all cases the wording of the actual insurance policy will apply.