Thanks to all Dealers & Clubs!

On Wednesday February 24, the CMMG Board met with several dealer and club members to plan out the 2016 riding season for the CMMG Ride Guide.

There was a great attendance and the meeting flowed really well filling up almost every available weekend in the riding season. 2016 is going to be a load of fun behind bars. Keep an eye on the CMMG Events page as it fills up with more and more events. Or grab a printed copy of the 2016 Ride Guide at any of the events you see a CMMG table.

Thank-you to all the dealers and clubs who made it out for the short meeting!

PS: For anyone hosting a motorcycle event, please email us your event details and posters so we can help you promote it.

Manitoba Motorcycle Insurance Rate Drops 7.6% in 2016

ratedropThe PUB has recently approved of a Manitoba motorcycle insurance rate drop of 7.6% effective March 2016. Combined with the rate drop in 2015 this means that the CMMG has helped Manitoba motorcyclists reduce their insurance premiums by 15% in just the last 2 years and close to 30% in the last 5. This is a significant achievement and the CMMG has worked hard to get this done to the benefit of all riders.

The CMMG is a small group that is making a big difference in Manitoba that is reflected on your motorcycle premiums. This difference is made possible by the volunteers to devote their time and energy into fighting the broken system and working for change. But most of all it is made possible by the support of it’s members. Without the members there is no CMMG and with no CMMG there is no one left to fight MPI.

If your not a member of the CMMG, please consider joining. The cost is small, the benefits are huge. For as little as $25 a year you can help further the fight for lower insurance rates and more.

2015 CMMG AGM Results

The 2015 CMMG AGM was held on November 4, 2015 and had a great attendance by CMMG members and a few non-members. The CMMG would like to extend it’s thanks to all the 59 riders and supporters who showed up to show their support for the CMMG and cast their vote for the new president and 2 new board members.

Brian Segal has accepted a second term as President of the CMMG for 2016 + 2017. Congratulations to Ruth-Ann Patterson-Goodman on her appointment as the CMMG’s new new secretary as well as Kris Goodman as the CMMG’s new Director 3. Both will hold this Executive position on the CMMG Board for a 2 year term ending in December 2017.

The AGM meeting attendance was up by 34% over the regular meetings, had a great report on PUB by CMMG lawyer Ray Oakes, lots of lively discussion and both meetings concluded by 8:30 PM.

CMMG would like to thank the Marion Hotel for allowing us to hold out meetings there, the CMMG Board Members for all their hard work and all the CMMG members for all their support over the years.

Jamie Prokopec has decided to step down as the CMMG Membership Coordinator and we would like to thank her for all her hard work and dedication in reaching out to all the members and keeping this massive job so well organized. With this departure the CMMG is now searching for a new membership coordinator to fill this position for the coming years. If you, or anyone you know, would be interested in volunteering for this postion please contact us.

Oct 21st PUB Meeting – CMMG & MPI Transcripts

On October 21st CMMG lawyer, Ray Oakes, attended the PUB hearing on behalf of the CMMG. Below is the transcript of Ray’s final argument at the PUB hearing.

You can also download a Ray’s final argument as well as MPI’s final argument. If you want to kill time this winter with some light reading, you can also read the full transcript of the PUB hearing here. All 160 pages of it.

CMMG Director 1, Doug Houghton, also gave a report at the PUB meeting and you can read his presentation here.


MR. RAYMOND OAKES: Thank you, Madam Chair. Board counsel closed with a thank you to the participants and to the Board and MPI. I’d like to open with ‘thank you’. In the past three (3) weeks we’ve had the benefit of having a very professional, respectful exchange of discussions on various issues. And I’d like to thank the Board, both the Board counsel, its advisors, and the MPI panel for that respectful exchange and for the quality of the testimony of the witnesses and for the Intervenors’ counsel and their cooperative efforts, as well.

I’m told — it’s whispered to me that MPI is pleased with at least one (1) part of the CMMG intervention, and that’s that the CMMG intervention was primarily concerned with the rate and the rate setting. This is a very complex hearing over the course of the last three (3) weeks with a — a number of very intensive issues. In fact, the first couple of days, we had one (1) presenter who was so confused with the issues, he thought this was a general rate application.

But — but we’ve gone on to examine each of these diverse and difficult issues. And the thrust of the CMMG argument will be that the actual rate calculations in this GRA provide a directional guidance for this Board in setting rates. In other words, the methodology and the calculations produced are not a certain figure requiring the slavish adherence of this Board to the applied-for rate. I’m going to be bold at this point and ask this Board to set the — the decrease for motorcyclists at 12 percent for the 2016 upcoming year for the reasons that follow. And as we can see from a review of the rates put before this Board in the final Board orders, the Board has more or less approved the applied-for rate. Usually some minor modifications. To do this means that the actuarial methodology would need to be precise and accurate calculations with only one (1) answer forthcoming from those calculations. We’ve seen in the cross- examination that CMMG provided this year that that’s not the case. Mr. Johnston, at page 1,145 of the transcript, in referencing the calculation of rates and methodology said, Motorcyclists were going to be wrong every single time — or motorcycle rates were going to be wrong every single time.

MPI’s methodology is different than the majority of insurers, as we reviewed at page 1,128 of the transcript, and the previous page. Mr. Johnston accepts that the approaches of other actuaries would be reasonable in — in using shorter periods of data. In fact, the Corporation can’t produce another insurer that uses the same methodology as MPI. They have no capping of serious losses. The time frame for the data used is ten (10) years, whereas most actuaries use five (5). They have no weighting for the more recent data.

And MPI recognizes the new trend in motorcycle claims costs. We saw in Exhibit 36, which was Pre-Ask 8, the actuary from Aon and IAO in — recognizes that in Ontario, Alberta, and the two (2) maritime provinces they report on, that claims costs are decreasing year after year, resulting in a reduced rate year after year. We have closer to home, in the response to CMMG-1-13, MPI recognizes as follows. Their response says that: “A recent trend of decreases in required rates suggests the motorcycle major class is improving.” Mr. Guimond enters the fray at page 1,209 of the transcript, and he says: “I think what’s happening there is we can see the rates going down for motorcycles. We can — things are going in the right direction.” And despite that recognition of the Corporation formally in that respect, they don’t recognize it with respect to the methodology used in calcing — calculating rates because they equally weight the last ten (10) years of data instead of weighting these years that — that provide that trend, and proving more weight to them.

And that approach would be more in line with the actuarial standards, and the one that we looked at or one (1) of the ones we examined was seventeen thirty decimal oh-three (1,730.03), and it’s contained at page 1,137 of the transcript. What that says is: “Other things being the same, pertinent past experience data, or data relating to the case itself rather than to similar cases, relating to the recent past rather than the distance — distance past.”

So it goes on, and that’s the standard that requires taking that trend into consideration and providing more weight. Instead, what we have is the Corporation using a 2006 outlier. Page 1,132 of the transcript, Mr. Johnston says: “We haven’t had a year like that again since 2006, and I hope we don’t.”

So back, if you will, to our original bold request, and we look at CMMG IR-23. If we remove just that one outlier of 2006, we have a 12.7 percent decrease calculated for motorcycles. And I suggest to the Board that’s the only reasonable thing to do based on the actuarial standards, based on usual practices.

If we — if we use five (5) years on serious losses, and the reference for this is page 1,177 of the transcript on lin — line 11, then we have a 12 percent decrease. We keep coming back to that same figure with respect to the decrease. And they’re — what Mr. Johnston said at page 1,177 was: “For 2012 GRA, we revised the averaging of non-serious PIPP losses for the motorcycle major class from using a five (5) year average to using a ten (10) year — year average. This had a positive impact on the major class rate indication at the time, as it lowered the rate decrease by a further 4.2 percent in that year. So the rate decrease ended up being 12 percent instead of 7.8 percent before we made that change.”

MR. RAYMOND OAKES: And in terms of that change, which was only made in 2012 to go to ten (10) years of data for non-serious losses, I’d also point out to the Board the discriminary nature of that, because that’s something that they don’t do for private passengers. The inequity of this situation is compounded by the application of the indicated rate change versus experience rates, the capping that MPI uses. It’s referred to CMMG Interrogatory 1-3(b).

It’s contained at page 1,149 of the curr — transcript. And the — the perverse nature of this rate capping, when we look at the large double digit increases in rate shock that motorcyclists experience, you can understand how this is the salt in the wound of the motorcyclists. In ninet — in 2004/’05, we had rates increase approved by this Board of 14.82 percent. 2005/’06 it was 13.88 percent, I believe, looking at my notes. And as recent as 2008/’09, we had 9.16 percent increase approved. And those all come out of CMMG-1-3, for the reference.

So the motorcyclists in this period get this tremendous rate shock, and then when the Corporation comes — when it finally realizes that they’ve been collecting far too much in motorcycle premiums and says, Well, you’re not going to get the decrease overall that you would otherwise be on the indicated — or the required rate. What we’re going to do is cap that, and the reason for this capping is apparently rate shock. Well, how can rate shock, the rationale for that, come into play to reduce an overall decrease of some 82 — 8.2 percent decrease in the required rate? It’s illogical, and as I say, perverse.

Moving to the issue of road safety, we see the puny investment that MPI makes in motorcycle- specific initiatives is even less than that as contained at page 1,210 of the transcript. MPI notes it spends less than its forecast for the last two (2) years on motorcycle issues. We see these reducing expenditures. Very difficult to — to mount effective cross-examination in the area of road safety this year and last year because, of course, it’s all under review. The Corporation isn’t doing anything different pending the results of the studies. And I think all I have to say in that respect is when the product finally comes in, it better be good.

Certainly, we don’t see any new initiatives. The issue of wildlife collision continues to astound me, how little the Corporation does. When we look at the issue of wildlife containment by fencing and underpasses and the rest, all we have is the Corporation took a quick look several years ago at Birds Hill Park and what it would take to provide some collision (sic) there. They had a pretty dim view of what the efficacy of wildlife fencing and underpasses were.

They said, Well, seven hundred (700) ‘K’ would be way too much to spend on that particular initiative. What the Board can take some wisdom from, I think, is the study that was again presented in CMMG in their Pre- Ask 1, talked about efficacy of some 95 percent. And I think that’s a far more favourable number than what the Corporation was looking at when it did the cost- benefit.

I think the Corporation had a very dim benefit of — of what wildlife fencing collision would result in. But when we look at the fact when they say seven hundred thousand dollars ($700,000) is too much to spend, one only has to look at Undertaking 33 and look at what are the societal costs of collisions were it was $6.4 million for a fatality. Even if this Board doesn’t adopt that approach and look at the societal costs, it really doesn’t take much of an accident to produce seven hundred thousand dollars ($700,000) worth of savings. The Corporation over the past number of years has averaged about $30 million in claims costs for wildlife collisions. So I really think that spending sums of money like the Corporation took a brief look at is — is certainly warranted. We touched on a very unusual, difficult issue. I’m still struggling with how to address this, and I think counsel treated Mr. Guimond very gingerly. We all have a great deal of respect for the office of the president at MPI. It’s a very difficult job. And this was of course the discussion with Ms. Neville and Mr. Guimond about contractors. I’m not sure whether that was a discussion or a confession because we’re put in a very difficult situation trying to understand and evaluate the response of Mr. Guimond.

It’s something like coming to this public Board and telling — and — and advising us that MPI in this public forum can’t tell the public what these contractors make or can’t make them employees because then we’d have to disclose on a per- employee basis what they make.

And Mr. Guimond says it seven (7) times in the exchange. He doesn’t point to any other reason as he tried to with Mr. Williams, pointing to some distortion in their salary hierarchy. No, he says seven (7) times in the exchange, This is an issue.

The public wouldn’t accept it if we hired them as employees and paid them what we’re paying them now. I don’t know. Maybe it isn’t an issue that this forum needs to deal with and maybe it is. I think the Board last year had an exhibit, legislative report standing committee on Crown corporations. And it may well be that Mr. Guimond becomes an ungulate in the headlights in some other forum. But I find it very difficult to deal with that issue, and perhaps there will be some commentary from the other Intervenors.

Over to major issue on the RSR. This is again the — a very collaborative forum. Despite that, I think that perhaps the approach used this year will not likely be rep — repeated. I don’t think it should, in my respectful submission. It resembled more couples-therapy than it did two (2) actuaries trying to get to the bottom of a very complex issue.

But having said that, the CMMG aligns its position with Ms. Sherry. It says to the Board that there is no solvency risk of MPI. The CMMG sees anything more than one (1) in twenty (20) years as providing inter-generational inequity. The CMMG’s position is the MC test is totally inapplicable. CMMG would repeat its contention that the Corporation can’t justify a level that they’re requesting with holding excess funds from taxpayers or ratepayers and the economy. These levels that they’re seeking weren’t necessary in the 1990s. Manitoba sustained the more horrific one (1) in a hundred years flood ever, and there was basically very little MPI exposure. At the time, we had RSR levels between 50 and $80 million approved by the Board, and, frankly, when we review all of the exhibits dealing with what the actual exposures have been since then, we see two (2) years’ examples that were produced by MPI.

The testimony was confirmed yesterday afternoon that in 2002, which was one (1) of the two (2) years that MPI points to as these horrific years, at the end of 2002, we had a rebate of some $80 million. That doesn’t sound too horrific to me. When we asked further about four (4) year examples, MPI came up with four (4) month examples of equity returns that were negatives. You know, frankly, I don’t see anything justifying the type of levels that we’ve been talking about in this forum recently.

Page 1,190 of the transcript, the Corporation confirms they didn’t — they’ve never had this combination of all of those risk factors, and, frankly, how could they? The Corporation, as well, is well set up to handle some of the challenges it might have over the years. It has at least a couple of billion dollars worth of assets. The Corporation won’t tell us really how much they have, because they won’t tell us what the fair market value of its real estate is, presumably because of some income ta Xexposure.

But they’re backed by the Manitoba Government on a more secular, more specific approach, as well as motorcyclists. When I talk — spoke about the 2005/’06 increases of thir — or — and 2004/’05 of high 13 percent, high 14 percent increases for motorcyclists, we never saw any benefit from that. We experienced rate shocks all of those times with no help from any RSR.

Mr. Johnson (sic) makes the statement that the maximum combined rate increases and additional RSR rebuilding fee in a year should be no more than 5 percent. Well, we would have liked to have lived in that world. Where were those principles when we were getting whacked with 13 and 14 percent increases?

So those are our comments overall on all of the issues that we’ve dealt with in the last three (3) weeks. I’d again ask this Board to consider a rate decrease for motorcycles that’s far and above of the amount in the application for the reasons that I’ve stated. We will be sending our application for costs in due course. I’m not sure whether it’ll make reference to the use of the word ‘ungulate’ in the — in the fact that I broaden the horizons of this Board and increase it’s vocabulary, but we certainly hope that our intervention was of assistance. Thank you.

THE CHAIRPERSON: Thank you, Mr. Oakes. Now I’d like to call upon Ms. Kulyk, from CAA, to give her closing comments.

CLOSING COMMENTS BY CAA MANITOBA: MS. LIZ KULYK: Thank you, Madam Chair and members of the Board. CAA Manitoba is grateful once again to have this opportunity to sit as an Intervenor in the — in the GRA process, as we’ve done for twenty-one (21) years. We generally do make an effort to appear in person. And we regret we haven’t been able to do the — that this year, but we have been following the proceedings closely. And I’ll make a few brief comments just before the Board today.

So as I mentioned at the start of the hearings, our intention in intervening, really, is just to be armed with the facts so that we can then communicate to our — our large membership about auto insurance rates, but even more importantly, in our — in our view, road safety priorities. In regards to our comments, like I said, they will mostly pertain to road safety in the aspect of the rate-setting process, but we appreciate this is just one (1) element that’s been examined.


shutterstock_312305594The CMMG Annual General Meeting will be held in the basement of the Marion Hotel at 7pm.

Dinner is at 6 (Chicken, Pizza, Salad, Coffee, Tea, or Pop)
• $10 paid members
• $15 non members or unpaid members
• Please email if you plan on coming for dinner so we can plan accordingly.
• If your on Facebook, join the event here.

There are 3, possibly 4, board positions up for election, so everyone is encouraged to attend and cast their vote.
• President
• Membership Chair
• Director(s)

All Members & Motorcyclists Welcome
NOTE: Date change due to Remembrance Day

2016 Executive Nominations Open

CMMG-LOGO-SINCE-1993October is the opening of nominations for the CMMG 2016 Executive Board. The President & Secretary positions are up for nomination along with two Directors positions.

Any CMMG member looking to get more involved in the governance of the CMMG should make their intentions known and the AGM in November is when the elections will take place. All members please remember that those running need the support of the members during the elections in November. All CMMG members are requested to attend the AGM and register their support.



Register 9:30 – 11:00 am
River City Rides
288 King St. Winnipeg

(Rain date Sept 27)

Stops include: Beausejour, Pinawa, Anola & Steinbach



Route Map for the CMMG Poker Derby.

Registration 9:30-11:00
1st Card Draw
288 King St. Wpg.

Stop #2 Copper Pot
Restaurant & Lounge 724
park Ave. Beausjour
Take side gate to rear lounge

Stop #3 Lunch Pinawa Golf Club
at end of #211
Turn right on Willis Drive

Stop #4
Anola Motor Hotel
Corner # 12 and 15

Final Stop # 5
Hwy #52 E. Steinbach11056085_10153311850684398_8769209232713533219_o

New CMMG Website

In keeping with the time the CMMG has launched a brand new website. The new site was designed to keep the site clean, easy to use and responsive to all mediums (computer, tablet or mobile phone) and will be updated even more in the coming weeks with fresh new content.

The CMMG Ride Guide Calendar will be replaced by a more robust and easy to use calendar and the CMMG shop will be updated to allow online ordering of CMMG items. These will be updated over the course of the next week or so.

There will also be a section added to the site for Donations and a user photo gallery where we will feature photos submitted by CMMG members at various motorcycle events around Manitoba.

May is Motorcycle Awareness Month

Motorcycle Awareness MonthCMMG MEMBERS.

May is Motorcycle Safety Awareness Month and for many years CMMG has conducted awareness events such as our recent Safety Rally and our previous MLA Ride for Safety. This however, does not happen in all provinces.

CMMG is a member of the Motorcyclists Coalition of Canada (MCC) and this year MCC has taken the initiative to have May declared as Motorcycle Awareness Month throughout all of Canada.

In order to get motorcycle safety on the national agenda, MCC has arranged to have Lisa Raitt, the federal Minister of Transport issue the attached declaration. She is also joined with Shelly Glover, Minister of
Canadian Heritage and Official Languages in this declaration.

MCC encourages all Motorcycle organizations to initiate their own regional and local safety events and has made sample posters available on its website.

Please view the attached file to view this national proclamation and photo op.

MCC May FINAL Newsrelease

New Manitoba insurance option for motorcycles

Manitoba motorcycle owners will have more options when they purchase insurance, Manitoba Public Insurance announced today.

“We are committed to working positively with the motorcycle community,” said Ward Keith, acting Vice-President, Business Development, Communications & Chief Product Officer, Manitoba Public Insurance. “Given the increase in the number of registered motorcycles and mopeds, and ongoing dialogue with motorcyclists through the Coalition of Manitoba Motorcycle Groups, (CMMG), the Corporation initiated these new products to address the insurance needs of the motorcycle community in Manitoba. “The new products will provide motorcycle owners with greater peace of mind and added convenience in the event of a collision. This is a positive step forward for motorcycle owners in our province.”

Available Monday, May 4, motorcycle owners will be able to purchase the following new products from their Autopac agent:

  • Rental Vehicle Insurance
  • Extension Loss of Use
  • Excess Value Coverage
  • New and Leased Vehicle Protection Extension Insurance

CMMG President Brian Segal said today’s announcement is a positive step forward for all motorcycle owners. “Our advocacy efforts are once again showing results,” said Segal. “Motorcyclists will now have extension insurance products on par with those of automobiles. CMMG is pleased to have been instrumental in making them available for motorcyclists.”


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Cancelled Until Further Notice
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CMMG will now hold its AGM on ZOOM, Thursday February 25

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