KNOWLEDGE

FAQs

What would you like to know about carsharing with Peg City?

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Insurance, Accidents, and Damage

I’ve been in a collision. What do I do?

No one wants to think about being in a collision, but it’s good to be prepared. Here’s some advice to make the process easier and less stressful. You’ll also find an incident report form in the glove box that can lead you through these steps:

  1. Make sure you and your passengers are safe. If anyone is injured, call 911.
  2. If it is safe to do so, take pictures of the vehicles as they are. Avoid talking about who is at fault.
  3. If possible, move vehicles to a nearby safe location.
  4. Gather the following information:
    • Driver’s name, driver’s licence, contact information
    • Vehicle licence plate number. This is the most important piece of information you can collect
    • Additional insurance information if the vehicle is not insured in Manitoba
  5. Collect witness information.
  6. Note any additional information, including weather conditions, location, and direction vehicles were travelling.
  7. Call Peg City Car Co-op, and we will walk you through the final steps.
What is my financial responsibility in the case of an at-fault collision?

It depends on your level of coverage. If with Basic coverage, you’re responsible for up to $800 in damage fees. If you’re enrolled in our Damage Pool program or Damage Pool Plus, your financial responsibility in case of an at-fault collision is $100 or $0, respectively. CLDI holders can expect to pay a $30 administration fee for the processing of their claim. 

When possible, we repair damage privately, doing our best to minimize costs to our drivers. If the collision damages another vehicle or property, the claim will likely go through MPI.

What should I do if I find damage on a Peg City car?

Report it! If we are aware of a piece of damage, you’ll notice a sticker next to it on the car. Keep in mind that it’s not necessary to report damage smaller than a credit card, like minor rust spots or superficial scratches or dents. If you don’t notice a sticker or aren’t sure, we recommend erring on the side of reporting. Reports are most effective when submitted with photos through the app before you begin driving the vehicle. The best way to avoid being blamed for damage you didn’t cause is to walk around the vehicle at the beginning of your booking. If you find damage, submit your report before you begin driving.


To submit a damage report through the app, tap Menu>Report and complete the form from there. You can also send us photos by email or phone us to report and describe the damage.

I have CLDI. How do I use it?

CLDI (Collision Loss Damage Insurance) is damage protection offered by credit card providers. Peg City Car Co-op is pleased to extend this coverage to members who use an eligible credit card to pay their monthly usage. You can waive other forms of coverage and confirm that you have CLDI by completing the linked form. With VISA or Mastercard CLDI coverage, the credit card company would cover any damage to a Co-op vehicle. Please check with your credit card company for complete coverage details.

What is the Damage Pool?

Peg City Car Co-op offers four damage protection options. All applicants must select a level: Basic, Damage Pool, Damage Pool Plus, or CLDI.

Additional drivers are charged at a rate of $1 per month per driver on Damage Pool and Damage Pool Plus.

The Damage Pool program is charged monthly with a twelve-month minimum commitment. It is non-refundable, and the remaining fee will be due immediately upon account closure should you close your account part-way through the year.

What does Peg City’s insurance cover?

All vehicles are insured through Manitoba Public Insurance in the event of an at-fault collision, including $4,800,000 Third Party Liability (TPL). Personal Injury Protection (PIPP) coverage (bodily injury) also applies to drivers and passengers while occupying a vehicle in Manitoba.

Peg City Car Co-op offers four options for Damage Protection. All applicants must select a level: Basic, Damage Pool, Damage Pool Plus, or CLDI. Damage Protection Plans are not insurance plans. Instead, they can limit the costs that would be otherwise billed to members in the event of damage or collision.

Other Questions

What should I do if something unexpected happens during my trip? (ex. dead battery, flat tire, mechanical problem)

Call our team to report the issue! We’ll gladly troubleshoot with you over the phone and dispatch roadside assistance as needed.

What’s a fob, and how do I use it?

The Peg City fob is an electronic key that gives you access to our vehicles. For FIX, your fob will only work if you have an active reservation with a vehicle.

For FLO, your fob will open the doors if you have a block on the car or if the car is free. (The reader flashes green when the car is available.)

Your fob will also secure the vehicle at the end of a FIX or FLO booking. 

Alternatively, you can use the app to access and secure our vehicles instead of your fob. We recommend keeping your fob on you in case of connection issues, low phone battery, etc. 

It’s best to be consistent with how you access and secure the vehicle. Either use the app to start and finish or use the fob. Just keep in mind that the fob will not end your booking with a FIX vehicle should you return the car early. You’ll need to follow up from the app or desktop site if you want to modify your trip time.

The app keeps freezing or taking a long time to load! What do I do?

We recommend trying the following to resolve the issue:

  1. Check the App or Google Play store to ensure you have the most up-to-date version of the app.
  2. Delete and redownload the app.
  3. Turn your phone off and on again.
  4. Clear your cache. The steps for doing this depend on what kind of phone you have, and a quick Google can help you here.

Step one or two may be enough to solve your problem, so we try each one in sequence and check back with the app before progressing to the next step.

Do Peg City vehicles come with winter tires?

Yes! As the temperature drops, all Peg City vehicles are outfitted with winter tires. If it’s early in the season and you want to double-check that a vehicle has its winter tires, you can see if they are listed under the Vehicle description.

What kind of accessories do you offer?

Our FIX fleet features accessories like Manitoba park passes, child seats, roof and bike racks, and trailer hitches. Any features are listed under the Vehicle description in our booking software.

What kinds of vehicles does Peg City have?

Our FIX fleet features hatchbacks, crossovers, hybrids, SUVs, trucks, cargo vans, and minivans. Our FLO fleet consists of hybrid electric sedans and hatchbacks.

Are pets allowed in the cars?

Yes, in most FIX cars. Please note that ALL FLO cars and selected FIX vehicles are designated pet-free. A vehicle will be noted as pet-free or pet-friendly under the Vehicle description.

If you’re transporting your pet in a pet-friendly Peg City FIX vehicle, your furry friend must ride in the rearmost cargo area of the vehicle – not in the backseat – with a barrier like a blanket or carrier between the animal and the upholstery. Please show consideration to other members by giving yourself some extra time and bringing supplies to clean up any hairs left behind at the end of your booking.

What do I do if my car is towed?

If you’re in the middle of a booking and your car is towed, give us a call. We’ll help you recover the vehicle or dispatch staff as appropriate.

If a vehicle is towed after your booking has ended (in the case of Winter Routes, rush hour routes, or residential parking bans), we’ll dispatch staff to retrieve it. You remain responsible for parking a Peg City vehicle for 24 hours or until the next member picks it up, so expect any fines associated with towing added to your account.

What if I get a traffic or parking ticket?

If you get a photo radar ticket in the course of a booking, the ticket will be mailed to Peg City. We’ll match the date and time of the ticket to the booking and contact you with the next steps. Peg City drivers are welcome to dispute tickets, and we include everything you need to dispute the ticket when we email to notify you.

If you get a parking or traffic ticket handed to you while driving a Peg City vehicle, it’s best to resolve the ticket on your own. We charge a $25  administration fee + tax for any ticket processed by Peg City staff.

What should I do if there’s a parking ticket on the vehicle when I arrive?

Please snap a photo of the ticket and email it to us. We’ll follow up with the responsible driver.

Can I smoke or vape in the cars?

Please don’t! Smoking or vaping in a Peg City vehicle is punishable by fines up to $150 plus cleaning and detailing costs. 

If you start your trip and the vehicle smells of smoke, please submit a report through the app, email, or phone. We take smoking seriously and track and investigate all reports.

Does Peg City have electric vehicles?

We are currently working on integrating fully electric vehicles into the fleet. Half of our FLO cars and several of our FIX vehicles are hybrid electrics. 

What do I do if the car is dirty?

First, let’s talk about what we mean by dirty. With carsharing, evidence of other drivers is normal and expected. Dust and dirt on the exterior (especially depending on the season) and debris on the floor mats are to be expected.


We define unreasonable mess as garbage left behind, spills not cleaned up, or animal hair left on the upholstery. If you find this kind of mess, please snap photos and submit them through the app (Menu>Report> Complete the form) or send us an email. We’ll follow up with the previous driver and dispatch staff for cleaning.

How do I pay for fuel?

Use our fuel card in the glove box. These cards can be used like any other credit card to pay for fuel at the pump. To activate the card and get the PIN, swipe up on your reservation banner from the Explore page in the app. Tap the Fuel card button to activate the card and reveal the PIN.

The cards will only work at pay-at-the-pump stations in Canada, and the limit is $100. If you need to pay out of pocket instead, save your receipt and submit it for reimbursement through the app or desktop site. (Trips> Tap the trip you purchased fuel on>Upload receipt.) Receipts must be itemized, and photos must be legible for reimbursement.

You can find a step-by-step guide on fuelling up, including a video tutorial here.

What do I do if the gas is really low at the start of my booking?

We require members to fuel up if the gauge falls below ¼ tank in the course of their booking. If you start your trip below ¼ tank, snap a photo of the gauge and email it to us. We’ll follow up with the previous driver to be sure they understand our fuel policy.

How does charging work for hybrid electrics?

In hybrid electrics, the electric battery charges as you drive, and the vehicle automatically alternates between pulling energy from the battery and the fuel tank to optimize emissions. 

We also have a few plug-in electric hybrids in our FIX fleet. These vehicles should be left plugged in at the end of each booking. If the battery runs out, the vehicles will simply draw from the fuel tank instead.

What should I do if I forget something in a Peg City car?

If you realise you left something behind as you’re walking away from the car, walk back and grab your item. As long as another booking hasn’t started, your fob will still allow you into the vehicle, and no additional time will be added to your booking so long as you don’t start the car.

If you realise you left something behind later on, with FIX, make a one-hour booking with the car to fob in and search for your items. Forward the booking confirmation email to us with the note Lost and Found, and we’ll waive all associated charges so long as no driving was done.

Here’s how to track down the FLO you left something behind in. Tap Trips>Past>choose the FLO booking>Locate. So long as another member isn’t currently driving the car, you’ll be able to see it on the map. You can block the car to fob in and grab your items. You won’t be charged for the booking so long as you don’t start the car. Please note that you are responsible for any costs associated with travelling to the vehicle’s location.

Any lost items that make their way to our office are held for 90 days and then donated.

What should I do if I find something left behind by a previous driver?

If you find a valuable item, snap a photo and email it to us. We’ll contact the previous driver. 

If you find an item like a wallet with an ID inside, mentioning the name on the ID can help us locate the driver quickly. Please tuck any valuable items like a wallet or electronic devices into the glove box or centre console. 

While we appreciate the consideration, reporting small, inexpensive items like a single glove or a pair of sunglasses is unnecessary. It is best to leave them in the vehicle for the member to retrieve.

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