Get coverage for your vehicle with Saskatchewan Auto Insurance.
We offer coverage for your personal car, SUV, truck, motorcycle, RV camper and more!
Browse the categories below for more information on Auto Insurance:
Pay a little extra monthly to lower your deductible if you have a claim. Deductible options vary on coverage:
Collision: $100, $200, $350, $500
Comprehensive (fire, wind, hail, vandalism, theft): $50, $100, $200, $350, $500
Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details.
If you have a brand-new vehicle, you may be interested in finding out about replacement coverage or repair cost coverage. This can help protect your vehicle from depreciation in the event of a total or partial loss.
If you’re looking for Replacement Coverage for a slightly older vehicle, ask one of our advisors about Optiom Pro to see if you qualify.
Our Auto Pak policies can include Road Hazard Glass (RHG) coverage for rock kick-ups, so you can have a deductible as low as $50 to replace your entire windshield! However, please note that you cannot purchase a glass-only policy; liability coverage must also be included.
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If you cannot drive your car due to an accident or if the vehicle was stolen, you may be able to get coverage from your car insurance company. Many companies offer loss of use coverage, which will help you get into a replacement vehicle while your vehicle is being repaired or replaced.
Lastly, if you choose to rent a vehicle for whatever purpose, however it’s damaged during the time you have it, you can apply loss of use to cover downtime charges set by the rental company.
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Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. Most standard Auto Insurance policies offer liability limits of $1,000,000 to $5,000,000
If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit that was set back in 1985. If we equivalent that into ‘today’s dollars, the $200,000 from 1985 translates to = $88,000 in 2024.
Protect your business with Commercial Auto insurance.
Although fundamental plate insurance limits may be adequate for a personal driver, 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, and a mishap can put your business at risk.
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What insurer options do you have for Auto Insurance?
Harvard Western Insurance is an insurance broker, so we can connect you with various insurance providers, including SGI Canada (SGI), Sandbox Mutual (SMI), and Portage Mutual.
This gives you the advantage of comparing rates and coverage options from multiple companies before you make a decision.
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How long do I have to file an Insurance Claim for my vehicle?
As per the regulations of Saskatchewan, you are required to file a claim and repair your vehicle within two years of the accident. It is advisable to report your claim at the earliest to avoid any conflicts regarding the magnitude of the damage caused during the collision.
SGI Claims Centre
Protect your trailer, camper, or RV:
If you own a cabin trailer, tent trailer, or motorhome, it is essential to have insurance for your little home on wheels. Our tailored auto insurance provides comprehensive coverage for both on-road and off-road protection. Get coverage for:
- Collision or upset
- Comprehensive: Fire, lightning, theft, vandalism, wind or hail damages
- In-Storage coverage
Visit our PRODUCT PAGE to learn more!
