Saskatchewan Auto Insurance – SGI
Your vehicle is much more than an investment in your life; it’s your freedom. Let us help navigate which Saskatchewan auto insurance is right for you. When you buy auto insurance in Saskatchewan, you’ll be purchasing plate insurance which is the basic mandatory coverage provided by Saskatchewan Government Insurance (SGI). If you’d like additional coverage on top of your basic plate insurance, you can add auto extension coverage from a private insurer to round out your policy.
Advisors at Westland can help you navigate plate insurance in Saskatchewan to build the auto insurance policy you need for peace of mind at every turn. From those who commute to work in Saskatoon every day to those who are out on the prairie open road catching sunset views, we’ve got you covered.
Online plate insurance renewal in Saskatchewan
Life gets busy, and things like renewing your plate insurance can fall by the wayside. MySGI has simplified auto insurance renewals in Saskatchewan with an online platform. Log in to start your SGI renewal today!
Plate insurance in Saskatchewan, explained
Auto insurance in Saskatchewan comes in two parts – your basic plate insurance, and your extension auto insurance.
Basic plate insurance is the mandatory coverage for all vehicles in Saskatchewan provided through SGI. It provides financial protection for:
- Physical damage coverage for your vehicle
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if injury results from a vehicle collision
Plate insurance
When it comes to your basic plate insurance coverage in Saskatchewan, you have two options: no fault coverage and tort coverage. With both no fault and tort there are exceptions to coverage. See what they cover, and which additional coverages you might want to add to your policy for comprehensive protection.
This is the most comprehensive option when it comes to covering injury due to collision. It kicks in regardless of who is at fault for the accident. Benefits of the no fault option include:
- Medical Expenses
- Rehabilitation
- Personal Expenses
- Travel Expenses
- Death Benefits
- Living Assistance
- Permanent Impairment Payment
This coverage requires a declaration form to be completed. It provides coverage for the most basic benefits available to help cover expenses. With tort coverage, you have the option to sue for expenses that aren’t covered in the event of injury, as well as for pain and suffering. Coverages under tort include:
- Medical Expenses
- Rehabilitation
- Income Benefit
- Death Benefits
- Permanent Impairment Payment
Another part of your plate insurance policy is third party liability. In short, it covers you for injury or property damage you may cause as well as vehicle damage anywhere in Canada or the United States. Saskatchewan auto insurance provides basic insurance coverage of $200,000 only with the minimum legal requirements for liability and basic insurance benefits.
Extension coverage
Coverage for damage caused when your vehicle has an impact with another object such as another vehicle, building, guardrail, or roadway, and also includes a rollover of the vehicle.
Found yourself stuck in a hailstorm? Windstorm? Hit a deer? Is your vehicle stolen? Vandalized? This will cover your damages.
This combines the coverage of both collision and comprehensive. The best of both worlds.
Will the standard third party liability limit be enough if the unexpected happens? With this option you can increase your liability limit to ensure you’re fully covered from a liability standpoint.
Extension auto insurance provides deductible options to have a lower deductible if a claim is filed.
With family security coverage your family members are protected – if injured by an uninsured or underinsured driver – equal to your liability amount, up to $2 million.
On wildlife, fire, lighting, and theft of entire vehicle losses. Zero Deductible on these losses when you have purchased both a collision and comprehensive deductible along with third party liability on your auto policy.
If you’re unable to go back to work for a period of time, an auto policy pays an additional amount on top of the weekly income benefit covered by the basic injury insurance.
At no additional cost, an auto policy automatically provides you, your spouse and the children in your care with coverage while driving a vehicle you don’t own.
These aren’t included in plate insurance. Snowmobiles are also not covered under homeowner insurance.
Provides payment for glass that encloses the passenger compartment of the vehicle, that has been broken by an object that was thrown up or fell from another vehicle.
Provides payment to rent a vehicle if your vehicle is stolen or damaged.
Provides payment to replace your vehicle (no depreciation) if your new vehicle is a total loss caused by a coverage you are insured for.
Coverage while your vehicle is in continuous storage or is being restored.
How much is plate insurance in Saskatchewan?
Plate insurance varies down to the vehicle type and model. Not sure what the cost of your license plate renewal or new vehicle plate insurance will be? Check out the Basic Plate Calculator . Connect with us online or visit one of our convenient locations. Click here to find a Westland Insurance advisor close to you.
Everything to know about your deductible in Saskatchewan
We all have deductibles for our car insurance in Saskatchewan, but do you really know what you’re covered for? Many people chose their deductible years ago and keep it the same each renewal year. Here’s everything you need to know about deductibles to ensure that you’re properly covered!
A deductible is an amount that you must pay when making a claim regarding damage or theft of your vehicle. So, if you have a $700 deductible as a light vehicle for example, and you have a fender bender, you have to pay that $700 in order to get your vehicle repaired.
Your deductible applies when you need to submit a claim or have a claim submitted by another insured driver. Whether that is paying your deductible to get your windshield replaced or you have significant car damage, your deductible applies to all. There are specific situations where a deductible will need to be paid when dealing with plate insurance or extension auto policies.
If you are in an accident with another insured driver who is found to be at fault, you’re not responsible for covering the deductible amount. However, you may still have to pay the deductible if the at fault driver is uninsured.
Why choose Westland for your plate insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized auto insurance coverage in Saskatchewan to suit your lifestyle.
Our network of insurers means more choice
We have a network of insurers that we can tap into - guaranteeing great rates and options when it comes to extension auto options - so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right auto insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Connect with us
Our expert advisors are waiting to help you find the perfect auto insurance policy in Saskatchewan.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
FAQs about plate insurance in Saskatchewan
Can I get plate insurance in branch or online?
Plate insurance can be purchased both in a Westland branch or over the phone and email. You can also access plate insurance coverage through your MySGI account . We recommend connecting with our team of insurance advisors as they can ensure your plate insurance is set up correct and ensure there’s no gaps in your coverage. Click here to find a Westland Insurance advisor close to you.
Is there extra coverage available above plate insurance?
You bet! Plate insurance is the basic mandatory coverage but there’s additional coverage options that’ll round out your coverage to ensure you’re completely protected out on the road. A Westland auto insurance advisor can explore options and find the right fit for you.
Is plate insurance the same as auto insurance?
Plate insurance is the mandatory auto insurance coverage required by the province and facilities by SGI. It ensures all vehicles on the road in Saskatchewan have the required coverage.
How do I renew my plates?
You have options when it comes to renewing your plates. Our team of advisors can assist you in branch or over email to get the job done for you. Alternatively, you can renew your plates directly through your MySGI account .
Monthly or annual auto insurance premium: which is best?
Have you always paid the same way for your insurance and never thought anything of it? There may be a better way to purchase your insurance that can save you some money!
If you choose an annual auto policy, you have two options for payment:
- Annual: pay for the full year in advance without any interest charges
- AutoPay: pay for annual plates, in monthly installments
- Pre-authorized payment on the same date each month of your choosing
- Interest charged
Buy plate insurance in Saskatchewan with confidence
Whether you’re new to the province, shopping around for auto extension coverage, or need to renew your plates in Saskatchewan, our advisors are waiting to help you find the perfect solution.
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