Personal Auto Insurance




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Protect your vehicle with Saskatchewan Personal Auto Insurance.

Basic auto insurance coverage may not be sufficient when faced with the costs of an accident. Some exclusions with basic vehicle registration are family security, unlicensed vehicle storage coverage, damage to non-owned vehicles, loss of use, replacement value, etc.

Click on one of the below topics to unpack your vehicle’s Auto Insurance:

Deductible Options

Lower your deductible
Pay a little extra monthly to lower your deductible if you have a claim.

Increase your deductible
Pay a little less every month by choosing a higher deductible.

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details, but some examples are:

  • Wildlife Collision
    Suppose you have comprehensive or specified perils coverage. In that case, you won’t have to pay a deductible when your vehicle is damaged due to hitting or being hit by an animal.



Replacement Cost

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.

You might want to find out about replacement or repair cost coverage for various reasons. For example, you might want to protect your vehicle from depreciation in the event of a total or partial loss. Or you might want to be sure the value is covered if something happens to your vehicle while you’re still paying off the loan.

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.


Glass Breakage

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.

You need to know a few things to qualify for a lower deductible for your car insurance policy.

  1. Before adding this coverage, there can’t be any pre-existing damage to the windshield.
  2. Claim history will be reviewed before adding. If you have been found to have filed an RHG claim consistently in a short period, you may only be able to choose a higher deductible limit, or this coverage may not be available.

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Loss of Use Coverage

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 into a replacement vehicle while your vehicle is being repaired or replaced. Your rental vehicle will also be insured under your policy automatically as a temporary substitute vehicle.

Or suppose instead of renting a vehicle, you choose an alternative method to travel, such as using public transit or taking a taxi. In that case, your insurer will pay up to the amount of coverage you’ve chosen during the claim.

Lastly, if you choose to rent a vehicle for whatever purpose, however it’s damaged during the course you have it, you can apply loss of use to cover downtime charges set by the rental company.

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Personal Liability

Looking to protect yourself financially from a potential lawsuit? Look no further than our Auto Pak coverage, which can increase your liability limit. Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. 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.

We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

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Loan Protection

Did you finance your vehicle?

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

  • Non-commission dedicated advisor with industry experience.
  • Regular touchpoints with your advisor to ensure that your plan is working for you.

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Protect your vehicle and get the best coverage.

With our various insurance company options, from SGI Canada (SGI) to Sandbox Mutual (SMI) to Portage Mutual, we’ll help you find the best rate for your coverage so that you can have peace of mind knowing that your vehicle is protected. Save money while protecting what matters most.

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automobile claim

Harvard Western is your SGI Motor License Issuer!

Process your SGI plate renewal using your online account with MySGI. Quickly renew your Saskatchewan license plates or pay your annual driver’s license fee online. Services include:

  • Renew Vehicle Registration
  • Renew Driver’s Licence
  • Purchase 24 Hour & 8 Day Permits


lemonade and MySGI log in

Is it worth it to get dirt bike insurance?

Suppose you own a high-value dirt bike valued at $10,000 or more, along with additional accessories. In that case, investing in liability coverage, collision coverage, and/or accessory coverage may be worthwhile. This will allow you to recover a significant portion of your investment if your dirt bike sustains damage due to an accident. Ultimately, the decision should be based on careful consideration of your personal circumstances and the level of protection you deem necessary for your valuable assets.

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dirt bike insurance

Protect your vehicle with ease and speed.

Get a fast, secure, and free online quote with HWICLICK in just minutes. Quote different deductible options or purchase personal liability coverage using our online quote portal. Don’t leave the safety of your vehicle to chance – get protected today with ease and speed.


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