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Saskatchewan Auto Claims Support

All auto insurance claims in Saskatchewan should be reported directly to SGI. We’re here to help you understand the process.

Need emergency assistance? Call SGI’s 24/7 Emergency Line →

Report an Auto Claim

When you’re involved in a collision or your vehicle is damaged, SGI provides multiple ways to file your claim. Acting quickly helps ensure a smooth claims experience.

SGI Auto Claim Options

SGI eClaim Online

Report your auto claim 24/7 through SGI’s online eClaim service. Takes approximately 15-45 minutes to complete, depending on claim complexity.

Submit Auto Claim Online →

SGI Claims Centre

Visit your nearest SGI claims centre to report your claim in person. A claims adjuster will guide you through the process.

Find SGI Claims Centre →

Call SGI Claims

Report your claim by phone if you’re uncertain whether to file a claim or need immediate assistance.

Call 1-844-855-2744 →

The Auto Claims Process

Understanding what happens after you report your auto claim can help reduce stress and ensure a smooth experience with SGI.

1. Collect Information

Before filing your claim, gather the following information to expedite the process:

Your SGI customer number and plate number
Date, time and location of the incident
Other driver’s name, contact, and insurance information (for collisions)
Witness contact information (if available)
Photos of the damage and accident scene (if safe to take)

2. Report Your Claim

File your auto claim through SGI’s eClaim online service or by phone. For windshield damage, you can go directly to your auto glass repair shop with your SGI Auto Pak information without filing an eClaim.

3. Damage Assessment

An SGI adjuster will assess the damage to your vehicle, which may involve an in-person inspection at an SGI claims centre or an approved repair facility.

4. Vehicle Repairs

Once your claim is approved, you can proceed with repairs at an SGI-accredited repair shop. If your vehicle is deemed a total loss, SGI will provide a settlement based on your vehicle’s actual cash value.

Harvard Western’s Role in Your Auto Claim

While auto claims in Saskatchewan are handled directly by SGI, our team at Harvard Western Insurance is here if you have questions about how your claim might affect your policy.

Special Claim Situations

Learn about specific auto claim scenarios and how to handle them effectively.

Out-of-Province Claims

If you experience a collision or auto loss outside of Saskatchewan, call SGI’s toll-free number at 1-844-855-2744.

Have your customer number, plate number, and details about the incident ready when you call.

Windshield Damage Claims

For windshield damage such as stone chips or cracks, you don’t need to file an eClaim. Simply visit an auto glass repair shop with your SGI Auto Pak.

If you have coverage through another insurer, contact your advisor, who will notify your insurer to receive information from the repair shop.

Frequently Asked Questions About Auto Claims

When should I report my auto claim to SGI?

You should report your auto claim to SGI as soon as possible after an incident. Prompt reporting ensures that evidence is fresh, witnesses can be contacted, and your claim can be processed efficiently. In Saskatchewan, you typically have up to 2 years from the date of loss to file and have your claim settled, but delays can complicate the claims process.

Do I need to file a police report for my auto claim?

In Saskatchewan, you should file a police report if: the collision resulted in injuries, there’s property damage, you suspect impaired driving, it’s a hit-and-run incident, or if a criminal act like theft or vandalism occurred. For minor collisions without injuries, you can often proceed directly with your SGI claim without police involvement.

How will filing an auto claim affect my insurance rates?

The impact on your rates depends on the type of accident and how much is paid for the claim.

What’s the difference between an SGI deductible and a package policy deductible?

Your SGI deductible is the regular $700 amount you pay out-of-pocket through your basic plate insurance. You may have a lower deductible if you’ve purchased additional coverage through an Auto Pak or another provider like SMI or Portage Mutual.

View more FAQs →

Auto Insurance Claims Support