Insurance FAQ: Licensing & Auto

Securing your SGI customer number and non-driver photo ID requires a visit to your local motor license issuer where you’ll need to complete two essential steps: proving your identity and establishing your residency.

Establish Identity Acceptable Documents

To verify your identity, we’ll need you to provide two original documents that showcase your personal information. The Acceptable Documents Chart offers a comprehensive list of valid identification options. For those getting their first driver’s license, Section C of the Signature/Guarantor Form can serve as verification of your signature.

For establishing your Saskatchewan residency, you can utilize Section A of the Signature/Guarantor Form (no second residency document needed in this scenario). However, if you’re over 18 and not enrolled in high school driver’s education, please review the bottom section of the Acceptable Documents Chart for appropriate residency verification options.

After successfully conquering your basic knowledge exam, signs exam, and vision test, you’ll need to visit a motor licence issuer to validate your achievement. This crucial step requires proof of both your residency and identity (2 pieces of ID for each).

Remember, proper identification is your gateway to the road ahead. We’ve made it easy to understand what documents you’ll need:

Establish Identity Acceptable Documents

Welcome to Saskatchewan! As you settle into your new prairie home, transitioning your driver’s licence and licence plates is an important step in establishing your residency. To make this process smooth, you’ll need to provide proof of both your identity and Saskatchewan residency.

Your identity is established through three key elements:

• your legal name
• birth date
• signature

You’ll need to provide at least two original identification documents to establish your identity, plus two documents that prove you now call Saskatchewan home. SGI’s Identity and Residency Verification page provides a comprehensive list of acceptable documentation to help you prepare for your visit.

For your vehicle registration, you may need to obtain a Light Vehicle Inspection from an SGI Accredited body shop. This inspection ensures your vehicle meets Saskatchewan’s safety standards. Once completed, simply provide the passed inspection certificate along with your identity proof, and you’ll be cruising Saskatchewan roads in no time.

You have a 90-day grace period to complete this transition. We recommend taking care of this important task within this timeframe to ensure you’re properly protected and compliant with provincial regulations.

Yes, when bringing your vehicle to Saskatchewan, Provincial Sales Tax (PST) typically applies to vehicles purchased or brought in from outside the province (with the exception of settler’s effects). Understanding these tax implications is an important part of your budgeting process for relocating to our province. For comprehensive details, we recommend reviewing SGI’s Provincial Sales Tax information page.

There are some exemptions worth noting: vehicles purchased from a status Indian, Indian band, or the federal government are exempt from PST. Additionally, gift exemptions have specific parameters:

Your Saskatchewan licence plate comes with built-in protection that serves as your first line of defense on the road. This foundation includes Collision and Comprehensive coverage with a $700 Deductible, plus $200,000 in Third Party Liability protection. This coverage package meets the minimum requirements established by the Saskatchewan Automobile Insurance Act, giving you a baseline of security every time you drive.

While this basic coverage provides essential protection, many drivers choose to enhance their security with additional coverage options. Think of your plate insurance as the foundation of your protection strategy, necessary, but potentially just the beginning of your complete coverage picture.

Great news! When you upgrade to a new vehicle, your insurance can move with you. Whether you have basic plate registration or a comprehensive Auto Insurance policy, transferring your coverage to your new wheels is a straightforward process. For just a $15 fee, you can transfer your licence plate and vehicle registration from your current vehicle to your new pride and joy. All you’ll need is your bill of sale for the new vehicle to complete this transition.

One important consideration: vehicle values and classifications differ, which may affect your registration and insurance costs. This could result in either owing additional premium or receiving a refund for the difference. It’s part of ensuring your coverage accurately reflects your new vehicle’s characteristics and value. For a deeper dive into the transfer process, we recommend checking SGI’s guidelines for comprehensive information on transferring your vehicle registration.

In Saskatchewan, you have a two-year window to file a claim and repair your vehicle following an accident. While this might seem like plenty of time, we strongly recommend reporting your claim as soon as possible after the incident. Prompt reporting helps establish a clear record of the damage directly related to the collision, avoiding potential disagreements about whether subsequent damage is connected to the original incident.

Early reporting ensures the most accurate assessment of your vehicle’s condition and streamlines your path to receiving the coverage you’re entitled to under your policy.

Determining fault in a collision involves a thorough, evidence-based process conducted by SGI. When assessing who bears responsibility, we examine multiple factors to build a complete picture of the incident. This comprehensive review includes evaluating drivers’ adherence to traffic laws, gathering statements through witness interviews, analyzing official police reports, and considering applicable bylaws, legislation, and relevant court precedents.

This methodical approach ensures that liability is assigned appropriately, reflecting the true circumstances of the collision rather than incomplete or biased perspectives.

To qualify, your vehicle must be a true classic, specifically, model year 1987 or older. This 35+ year threshold ensures that only genuine classics receive this special designation.

Additionally, your vehicle must be registered in either the Class PV (private vehicle) or LV (light vehicle) category, and used exclusively for private enjoyment rather than commercial or agricultural purposes. This restriction helps maintain the spirit of antique vehicle ownership as a hobby and preservation effort rather than a business venture.

Finally, we require antique vehicle owners to also have access to a primary-use vehicle for everyday driving. This primary vehicle must be registered in one of the following ways:

1. In your name, or;
2. In your spouse’s name, or;
3. Jointly registered in the names of yourself and your spouse, or;
4. In the name of a corporation for your personal use

The insurance requirements for showcasing your classic beauty at car shows typically depend on the event organizer’s specific policies. Many show coordinators require proof of insurance for liability purposes to protect both participants and spectators. In most cases, your auto policy documentation will satisfy this requirement.

We recommend checking with event organizers well in advance to understand their specific insurance requirements. This proactive approach ensures you have all necessary documentation ready.