Car insurance is a requirement across Canada and each province has their own coverage requirements. For Saskatchewan drivers, auto insurance is provided through Saskatchewan Government Insurance (SGI), a crown corporation, who provide a basic “plate” insurance. There is also optional, and highly recommended, coverage available through SGI, private insurance brokerages, and directly from insurance companies (i.e. Aviva Canada). For instance, mandatory third-party liability coverage through SGI has a minimum limit of $200,000, but each driver has the option to increase their liability coverage up to $5 million either through SGI or a private insurer. Be sure to view the table below for more explicit details.
Here is an overview of the available car insurance coverages in Saskatchewan:
Basic auto insurance coverage provided by the Provincial government. This generally includes liability, accident benefits and uninsured motorist coverage.
Auto insurance policies created & sold by private insurance carriers. Though these carriers must still abide by Federal and Provincial regulations.
Having no-fault insurance doesn’t mean you can’t be found at fault. This coverage means you must first deal with your own insurance company for all claims, whether you’re at fault or not. But, Saskatchewan will allow a no-fault driver to sue an at-fault driver for costs that are not covered by their accident benefits. In Saskatchewan drivers can opt for a tort system instead of a no-fault system that includes lower accident benefits and will allow a driver to sue an at-fault driver for pain and suffering and excess accident benefit costs.
|Third-party Liability Insurance||
Protects against damage caused by you while driving and includes injury and death to others and property damage. This is the only insurance coverage that is mandatory across Canada. Minimum coverage for Saskatchewan is $200,000.
Covers your medical benefits if you’re injured in a crash, whether you’re at fault or not. The coverage includes your medical costs, while also paying for additional recovery costs, such as rehab, income replacement, and payment for and attendant care, if needed.
|Direct Compensation-Property Damage (DCPD)||
Covers damage to your vehicle and its contents, and for the loss of use of your vehicle when damaged – if another person was at fault. This coverage only applies if the crash occurs in a province where DCPD is mandatory, if two or more insured vehicles are involved, and if both insurers are licensed within that DCPD province.
Uninsured motorist coverage protects against injuries you and your family members sustain in a crash caused by an uninsured motorist. It can also cover your vehicle damages, if the uninsured driver is able to be identified.
Protects against damages sustained in a collision. This insurance covers you if your car is damaged in a crash – in both cases whether you crash into another other car or whether you crash into a stationary object.
Protects against any losses a car owner may suffer, from events not related to driving. Such losses could include theft or damage from attempted theft; vandalism; environmental damage to a car from floods, fallen trees, and hail, etc.
Covers your financial losses for damage caused specific perils – but only for perils chosen specifically for your policy. Available coverages are for theft; fire; damage from hail, lightning, wind, or flooding; earthquakes; explosions; riots; aircraft crash damage; and damage sustained during any transportation relocation.
This combines the coverages you get with collision and comprehensive insurance. Additionally, all-perils also covers you if an employee, or someone who drives or services your car, steals it. It also covers you if someone you live with steals your vehicle.
|Emergency roadside assistance||
This service covers you for roadside callouts for emergencies such as dead batteries, towing, flat tires, keys locked in your car, empty gas tank, etcetera. Many insurance companies offer roadside assistance either included or in addition to other coverages.
*Table information sourced from http://www.ibc.ca (2017)
It pays to shop around to find your best car insurance rate. Even though a Saskatchewan auto insurance application is standardized, you may find that private auto insurers offer different rates based on their existing users, the volume of claims currently on their books, and their own tolerance for risk.
Here are six factors auto insurance companies consider in Saskatchewan:
Saskatchewan puts new drivers through a graduated driver licensing (GDL) program requiring each driver to progress through an educational program in order to be considered a fully licenced driver. If you are moving to Saskatchewan and you have an existing driver’s license, you have 90 days to switch your valid out of province license to a Saskatchewan driver’s license. You can read more about how to transfer a driver’s license to Saskatchewan on the SGI website.
Class 7 learner's licence (or level one) eligibility criteria:
Must be 15 years old and enrolled in a high school driver education program or be at least 16 years old
Parental consent required until age 18
Provide proof of legal name, date of birth, and signature. (e.g. Passport, birth certificate)
Get an SGI customer number and create a MySGI account online
Pass a vision test
Pass a written knowledge test about the rules of the road
Pass a test about traffic signs of the road
Pay the associated written test fees
Can’t consume alcohol and drive
Class 5 Novice 1 Driver licence (or level two) eligibility criteria:
Must be at least 16 years old with parental consent
Complete 9 months with a Class 7 learner’s licence
Complete mandatory driver education
Pass a road test
Pay an administrative fee
Can’t consume alcohol and drive
Class 5 Novice 2 Driver licence (or level three) eligibility criteria:
Complete 6 months as a Novice 1 driver
Receive Novice 2 Driver in mail
Class 5 Driver's licence (full license) eligibility criteria:
Complete 12 consecutive months of incident-driving as a Novice 2 Driver
Aren’t responsible for a collision
Don’t have traffic convictions or licence suspensions
Completed the GDL program
Receive Class 5 driver’s licence in the mail