FAQ: License & Auto Insurance

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What do I need to get an SGI customer number and a non-driver photo ID card?

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.

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.

What do I need to get my Class 7 learner’s licence?

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).

I just moved from another province; how do I switch to an SK licence and plates?

Welcome to Saskatchewan! You’ll need to provide proof of identity and residency. For your vehicle registration, you may need a Light Vehicle Inspection from an SGI Accredited body shop.

How long do I have to switch my licence and plates?

You have a 90-day grace period to complete this transition. We recommend taking care of this within this timeframe to stay compliant.

When I register my vehicle, will I have to pay PST?

Yes, PST typically applies to vehicles brought from outside the province (except for settler’s effects). Review SGI’s PST information page for details.

What insurance coverage do I get with my license plate?

Your plate includes Collision and Comprehensive coverage with a $700 Deductible, plus $200,000 in Third Party Liability protection.

Can I transfer my insurance to a new vehicle?

Yes! For a $15 fee, you can transfer your plate and registration. You will just need your bill of sale to complete the process.

What are the requirements for antique plates?

The vehicle must be model year 1987 or older and used only for private enjoyment. You must also have a primary-use vehicle registered in your or your spouse’s name.

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.

When purchasing a new vehicle, can I transfer my pre-existing insurance 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.

How much car insurance liability do I really need?

Liability coverage protects your assets if you cause an accident and are sued. Simply put, you need enough to protect everything you own. Most insurance experts recommend a minimum of $2 million in liability coverage today. The higher limit provides necessary protection against the high costs of legal fees and accident claims.

Here are the basic factors to consider:

• Protecting Your Assets: The more savings, equity in your home, or other assets you have, the higher your liability limit should be.
• Driving Environment: If you frequently drive in busy cities or cross provincial/international borders, your risk of a major claim increases.

How long do I have to file an insurance claim?

You have two years to repair your vehicle, but we recommend reporting it immediately through eClaim to ensure accurate assessment and record-keeping.

How is fault determined for an accident?

SGI assesses fault based on traffic laws, witness statements, and police reports. When you file your claim online, you can provide all these details to help adjusters build a complete picture of the incident.

What should I do if I am a victim of a hit-and-run?

Call the police immediately to file a report. Try to gather as much info as possible (plate number, car description). Once you have your police case number, you can submit your hit-and-run claim here to begin the recovery process.

What happens if SGI declares my vehicle a “Total Loss”?

If the repair cost exceeds the vehicle’s value, it’s written off. After filing your initial claim, SGI will evaluate the vehicle and offer a settlement based on current market value.