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Auto Insurance
HWI / Auto Insurance

Saskatchewan Auto Insurance: Drive with Confidence

Get peace of mind on Saskatchewan roads with our comprehensive auto insurance options. Whether you’re driving city streets or exploring rural backroads, we’ve got coverage tailored to your needs.

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What Does Auto Insurance in Saskatchewan Typically Cover?

Your auto insurance policy typically provides these essential protections:

 

Listed Perils Auto Coverages List



Deductible Options:

Pay a little extra monthly to lower your deductible if you have a claim. Deductible options vary by insurer:

Coverage Type Available Options
Collision or Upset $100, $200, $350, $500
Comprehensive
(fire, wind, hail, vandalism, theft)		 $50, $100, $200, $350, $500
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Replacement Cost:

Protection for 5 Years

Time Period Coverage Details
Months 1 to 24
(First 2 years)		 Full coverage for repairs or replacements includes:

  • Collision or upset
  • Fire damage
  • Hail, water, or wind damage
  • Theft
  • Vandalism
Years 3 to 5
(Subsequent 3 years)		 Limited coverage for repairs or replacements:

  • Collision or upset

Exclusions: Fire, hail, theft, wind/water damage, vandalism.

If you’re looking for Replacement Coverage for a slightly older vehicle, ask about Optiom Pro to see if you qualify.

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Glass Breakage:

Road hazard glass protection offers coverage at a lower deductible for repairing or replacing your vehicle’s glass damaged by road debris, such as stones or objects thrown up from the road or fallen from other vehicles.

This additional coverage can be purchased if you already have collision coverage under your Auto policy.

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Loss of Use for Rental Vehicles: 

If you are unable to drive your car due to a covered accident or if the vehicle is stolen, loss-of-use coverage will help pay for a rental vehicle while your vehicle is being repaired or replaced.

Lastly, if you are renting a vehicle and it’s damaged during your rental period, you can apply loss-of-use to cover downtime charges set by the rental company.

Important: Coverage for non-owned vehicles (like rental cars) extends only to incidents occurring in Canada and the United States of America (U.S.A.). All other countries (e.g., Mexico, Europe) are excluded.

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Personal Liability: 

Standard auto insurance policies typically offer liability coverage ranging from $1 million to $5 million.

If you’re in an accident where you’re found responsible for causing injury or property damage, the basic $200,000 plate limit might not be enough. This is especially important if you drive in the United States or provinces with different coverage rules than Saskatchewan’s no-fault system.

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BUSINESS


Commercial Auto: Vehicles That Need Business-Level Protection

The exposure that business owners and commercial drivers experience can far exceed that of an average driver.

Depending on your operations, carrying an additional Commercial Auto policy may be required as your plate registration doesn’t cover most business-related uses.

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We work with Saskatchewan’s leading auto insurers:


SGI Canada | Sandbox Mutual | Optiom | Portage Mutual | My Mutual

As an independent broker, we shop multiple markets to find you the best coverage at competitive rates.

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We provide tailored insurance solutions for your specialized vehicles:

Protect your investment with agreed-value coverage tailored to the unique needs of collectors and vintage enthusiasts.

Robust protection for your all-terrain vehicles, covering physical damage and liability so you can explore the outdoors with confidence.

Specialized coverage for off-road motorcycles, providing essential protection for your bike and liability on and off the trail.

Comprehensive plans for riders, offering protection for your bike and liability while the bike is stored or you’re out on the open road.

Winter-ready coverage for your sled. Protect against theft and damage while ensuring you have the right liability for the trails.

Comprehensive protection for your home-on-the-road, covering the unit while it is in storage or out exploring. Get coverage for wind, hail, and more.

Frequently Asked Questions

How can I lower my auto insurance premiums in Saskatchewan?

You can lower your auto insurance premiums by bundling vehicles on the same policy, maintaining a clean driving record, or choosing a higher deductible.

What’s the difference between SGI basic plate insurance and additional coverage?

Basic plate insurance in Saskatchewan provides minimum liability coverage of $200,000, injury coverage, and some damage protection. Still, it may not be enough for most drivers, especially if they do a lot of out-of-province driving or visit the United States. 

How long do I have to file a vehicle claim?

You have two years. As per the regulations of Saskatchewan, you are required to file a claim and repair your vehicle within two years of the accident.

When purchasing a new vehicle, can I transfer my pre-existing insurance from my current car to the new vehicle?

Yes, you can! All you’ll need is your bill of sale and the basic registration for the new vehicle to complete this transition.

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