Reduced No-Fault Motorcycle Insurance: A Saskatchewan Guide
Before we dive into the details of Reduced No-Fault coverage, let’s look at the basics. Even the most skilled riders in Saskatchewan know that things can happen fast on the road.
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Legal Requirements
In Saskatchewan, you must have basic insurance to ride. This can mean having an active registration or an active permit.
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Introducing Reduced No-Fault Coverage
When you plate your bike, SGI gives you a choice. By default, every resident is covered by “Full No-Fault“ injury benefits. However, riders have the unique option to choose Reduced No-Fault.
You’re essentially choosing slightly lower injury benefits in exchange for a smaller bill at the SGI counter.
How the Benefits Stack Up
It helps to see the numbers side-by-side. Here is how the two options compare for key benefits:
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| Coverage | Reduced No-Fault | Full No-Fault |
|---|---|---|
| Income Replacement | Max $442/week (up to 104 weeks) | 90% of net income (up to $97,530/year) |
| Medical & Rehab | $27k – $207k max | Up to ~$7.07 Million |
| Impairment Payout | Up to $179k | Up to $247k |
| Death Benefit | 45% of income for spouse + 5% per child | 45% of income for spouse + 5% per child |
| Sue for Pain/Suffering | ⚠ Limited | ⚠ Limited |
| Sue for Excess Costs | ⚠ Limited | ✓ Yes |
* Based on SGI’s Basic motorcycle injury insurance. This table is a summary.
2026 Reduced No-Fault Injury Coverage
For the full details, check out SGI’s official 2026 Guide to Reduced No-Fault Injury Coverage.
How to Opt Into Reduced No-Fault
Ready to opt-in? It’s simple. When you go to plate your bike, the SGI issuer will ask which injury coverage you want. If you choose Reduced No-Fault, you’ll just need to sign a few forms acknowledging the change.
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Savings by Engine Size
Small Bikes
5%
Discount
Large Engines
Up to 30%
Discount
Is it Right for You?
Choosing Reduced No-Fault is a trade-off. You get lower monthly costs, but you have less coverage if a serious injury happens.
✓ Risk Tolerance: Weigh your budget against the coverage limits.
✓ Experienced Riders: A fantastic tool if you’re looking to save and understand the limits before signing.
Click to view the full SGI Guide (PDF)
All Rights Reserved by SGI. Information based on the 2026 SGI Personal Auto Injury Guide.
Frequently Asked Questions
Who is eligible to choose Reduced No-Fault coverage?
The option to choose Reduced No-Fault is specific to motorcycle owners in Saskatchewan. When you register and plate your motorcycle, you can elect this coverage to reduce your registration costs. It does not apply to standard passenger vehicles.
How much can I actually save on my motorcycle plates?
The discount is linked to your motorcycle’s engine size (cc). While smaller engines typically see a 5% discount, larger motorcycles can see savings of up to 30% on the insurance portion of their registration.
Does this coverage protect me if I ride outside of Saskatchewan?
Yes. Reduced No-Fault injury benefits apply to accidents occurring anywhere in Canada or the United States. You maintain the same level of basic injury protection even when touring outside the province.
Can I switch back to Full No-Fault later?
Yes, you can change your coverage election. However, because this is tied to your registration, it is best to discuss the timing with an SGI motor vehicle issuer to ensure your plate costs and coverage levels are adjusted correctly for the remainder of your term.
Disclaimer: The information provided in this article is intended as a general guide. Please consult your specific insurance policy for precise coverage details, including conditions, definitions, and exclusions that apply to your individual insurance.
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Posted in Personal Property on April 25, 2019 by Harvard Western Insurance
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