Reduced No Fault Explained

Motorcycle Insurance: Reduced No Fault

Have you ever been in our office to plate your bike, and the employee behind the customer asked, “do you want Reduced No Fault?” If you say no, the transaction proceeds as usual. But if you say yes, now you’re being asked to sign paperwork and review documents… and for a good reason.

What is Reduced No Fault?

Reduced No Fault is an injury benefits package that you have the option of opting into while you’re operating your motorcycle. This option is similar to the normal No Fault injury benefits you receive automatically as a Saskatchewan resident; it’s just reduced. Hence the name.

Why is this an option?

You’re probably wondering, “why would I opt into reduced benefits?” Good question. When rates for motorcycle plates spiked in 2016, SGI developed this option to give you a way to reduce your rate increase. SGI gives motorcycle owners this reduced option so that they get lowered plate costs if they are okay with receiving decreasing benefits.

A Discount?!

Who doesn’t love a good discount? The discounts for opting into Reduced No Fault vary depending on the cc’s of your bike. The value can be anywhere from 5% for a smaller engine to 30% for a larger one.

Careful Now…

Before you rush to save a couple of dollars on your plates, you must understand precisely what it is you’ll be giving up.

No Fault Chart


This is just a quick snapshot of how much your benefits will reduce if you opt into the Reduced No-Fault coverage. If this option is something that interests you, please make sure to review the Guide to Reduced No Fault Injury Coverage found here.

Click through to learn about the MGDL program’s different stages, how to get your learner’s licence, AND how to save money insuring your bike.

Considering adding your motorcycle to a policy? Check out our Motorcycle Insurance page to learn more about your coverage options.

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Want to connect with an advisor and get a quote for insurance coverage on your motorcycle