The following posts on the Saskatchewan Auto Fund 2014 rate proposal have been moderated to remove any personal information that would identify the person posting, and to remove any objectionable language. Comments are being posted dynamically after being moderated, so if you don't see your post right away, check back again. It may appear in the next batch of moderated posts.

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DateSubmitted ViaComments
28-Apr-2014 Feedback form

 I think SGI needs to stop raising the rates on those of us with good driving records. Instead they should make insurance increase exponentially for those who are repeat offenders. That way they won't be able to afford to drive anymore (or will learn to drive safer), thus can't keep writing off vehicles and rates won't have to go up for the rest of the population. I'm tired of my vehicle getting older every year and my insurance going up the older it gets!


27-Apr-2014 Feedback form

Dear Crown Corporation, Perhaps SGI can start operating in a manner that is efficient. As a 'private' business owner it is imperative we run efficiently. We DO not have the pleasure, nor the ability, to arbitrarily increase and increase and increase our profit margin to cover the continued losses of running inefficiently. Well I suppose we could increase our profit margin, continue to run inefficiently - HOWEVER - the result of this alleged 'private' business model is: our competition would be swallowing our customer/client base because they cost LESS! SGI should adopt a better business model, hire efficient talent...or...open up the market for competition. And not competition that cows to SGI.


27-Apr-2014 Email

Sask Rate Review Board



As a Driver and Vehicle Owner in Saskatchewan: I am opposed to the 2014 SGI Rate Proposal.



 SGI did not listen the the Rate Review Panel last year and raised our motorcycle rates 15% already! On top of 30% in 2012! SGI is stating they need an additional 46%...yet in last year's Rate Review the SRRP Experts stated SGI's numbers were wrong. So what is really needed?


Why does SGI base our risk on half of the motorcycles registered and ridden in this province? We are on the road only 6 months of the year...all 27,000 registered motorcycles. YET SGI calculates our "risk" (where they determine the shortfall needed) as though there are only 12,000 motorcycles on the road. Spreading the risk of approx 280 "at-fault" accidents over 12,000 is a very different number than spreading them over 27,000!!! SGI needs to roll-back our rates to pre-2012. Our rates need to stay here until the results of the implemented motorcycle recommendations are known.


 SGI stated the changes being implemented will have an impact of reducing death and injury from motorcycle crashes by 20%. All PERSONAL Insurance should be paid for 1x based on personal driving records and vehicles driven. Right now this is paid on every vehicle registered. This means many pay more than 1x for the same insurance coverage as someone who only registers one vehicle...or none!



 Many drivers drive vehicles not registered in their name. They are 100% covered for this insurance...yet never pay for it. Anyone collecting full pension HAS to pay for the "wage replacement" component of this insurance, yet they can never collect on it! SGI has a great registration system in place, they just need to bill us 1x for this insurance...not place it on every vehicle! If a person doesn't register a vehicle, yet has a Saskatchewan Driver's license they could be "one-time" billed every year on the anniversary date of their drivers license. The infrastructure is there...it just needs to be utilized.



 SGI needs to get back to the Philosophy of the Auto Fund! Drivers cause accidents...not vehicles! Since the SDR program was introduced in 2003...there have been ZERO increases to the demerit fines ($25 per negative demerit point). These are one-time billings should a driver be ticketed, fined, cause an accident, etc. YET at the same time Vehicle rates have changed 5x!!!! The SDR Review doesn't look like the base $25 fine was increased...just more things to be fined for were added. In 2012 $13M was collected in SDR fines on driver’s licenses...yet $121M was paid out through registered vehicles!!! This is not a good business model as it is not addressing any "high-risk" driving behavior.



 Statistics for collisions, accidents, deaths, have not changed!!! They have remained constant to the increase of drivers in this province. The 3-year surcharge on drivers licenses for "high-risk" behavior should be put back into place. The system is set up, so they can "one-time" bill each year based on a person's driving record. This will give SGI the "much needed" revenue it needs from those "that are a greater risk for causing a collision". The infrastructure is there...it just needs to be utilized. SGI needs to listen to the SRRP. MY RATE increase for my motorcycle should be zero! THAT is what SRRP suggested, that is what SGI (Mr. Cartmell) promised! 


26-Apr-2014 Email

 Dear Sask Rate Review Board, As a Driver and Vehicle Owner in Saskatchewan: I AM ABSOLUTELY OPPOSED TO SGI'S 2014 RATE PROPOSAL!!! SGI did not listen the the Rate Review Panel last year and raised our motorcycle rates 15% already! On top of 30% in 2012! SGI is stating they need an additional 46%...yet in last year's Rate Review the SRRP Experts stated SGI's numbers were wrong. So what is really needed? Why does SGI base our risk on half of the motorcycles registered and ridden in this province? We are on the road only 6 months of the year...all 27,000 registered motorcycles. YET SGI calculates our "risk" (where they determine the shortfall needed) as though there are only 12,000 motorcycles on the road. Spreading the risk of approx 280 "at-fault" accidents over 12,000 is a very different number than spreading them over 27,000!!! SGI needs to roll-back our rates to pre-2012. Our rates need to stay here until the results of the implemented motorcycle recommendations are known. SGI stated the changes being implemented will have an impact of reducing death and injury from motorcycle crashes by 20%. All PERSONAL Insurance should be paid for 1x based on personal driving records and vehicles driven. Right now this is paid on every vehicle registered. Meaning many pay more than 1x for the same insurance coverage as someone who only registers 1 vehicle...or none! Many drivers drive vehicles not registered in their name. They are 100% covered for this insurance...yet never pay for it. Anyone collecting full pension HAS to pay for the "wage replacement" component of this insurance, yet they can never collect on it! SGI has a great registration system in place, they just need to bill us 1x for this insurance...not place it on every vehicle! If a person doesn't register a vehicle, yet has a Saskatchewan Driver's license they could be "one-time" billed every year on the anniversary date of their drivers license. The infrastructure is there...it just needs to be utilized. SGI needs to get back to the Philosophy of the Auto Fund! Drivers cause accidents...not vehicles! Since the SDR program was introduced in 2003...there have been ZERO increases to the demerit fines ($25 per negative demerit point). These are one-time billings should a driver be ticketed, fined, cause an accident, etc. YET at the same time Vehicle rates have changed 5x!!!! The SDR Review doesn't look like the base $25 fine was increased...just more things to be fined for added. In 2012 $13M was collected in SDR fines on drivers licenses...yet $121M was paid out through registered vehicles!!! Not a good business model as it is not addressing "high-risk" driving behavior. Statistics for collisions, accidents, deaths, have not changed!!! They have remained constant to the increase of drivers in this province. The 3-year surcharge on drivers licenses for "high-risk" behavior should be put back into place. The system is set up, so they can "one-time" bill each year based on a person's driving record. This will give SGI the "much needed" revenue it needs from those "that are a greater risk for causing a collision". The infrastructure is there...it just needs to be utilized. SGI needs to listen to the SRRP. MY RATE increase for my motorcycle should be zero! THAT is what SRRP suggested, that is what SGI (Mr. Cartmell) promised! Sincerely,

25-Apr-2014 Email

To whom it may concernIn this release" NEWS RELEASE  FOR IMMEDIATE RELEASE Feb. 11, 2014  SGI submits proposal to Saskatchewan Rate Review Panel   SGI has submitted a proposal to the Saskatchewan Rate Review Panel (SRRP) for a net increase of 5.2 per cent to Saskatchewan Auto Fund vehicle insurance rates. The proposal includes the following components:   A 2.7 per cent revenue increase  A 3.7 per cent capital amount applied on top of the rate changes to help replenish the Rate Stabilization Reserve (RSR)  Offset by the 1.23 per cent surcharge put in place last year to replenish the RSR  (effective until Aug. 30, 2014) "It indicates that the maximum increase would be 6.5%. In looking at the tables provided on SGI's website all older vehicle rates are going up an excess of 15%!! I believe most of these cars are special "Sunday sunny day" use only vehicles. That are not daily drivers, are very low annual use, are never driven even in the rain and are stored during the winter. In fact, I believe the rates on older vehicles have increased by 50% in the past two years of rate adjustments.This is not reasonable.It is clear that SGI is gouging car enthusiast who have older special cars and or does not want to insure these vehicles. Yet I am prohibited of obtaining competitive insurance until the vehicle is more than 30 years old. I would suggest that the rates be rolled back to the rate two years ago for these vehicles or competitive insurance is allowed on vehicles 20 years old or older.Thank you for your time


24-Apr-2014 Email

Hello, I am opposed to the proposed SGI rate changes ( excessive increases) especially concerning motorcycles. I also think SGI should revisit the farm car discounts and farm plates as I feel rates should be the same irregardless of your location or occupation. thank you .


23-Apr-2014 Feedback form

The Corporation has too many parasites and freeloaders!! Who have huge salaries and massive expense accounts!! These people are CEOs, board members and administrators. They contribute nothing to the profitability and well being of the Corporation. They have never "really worked" a day in their life and come up with an "original idea" of their own.They disgust me!!


23-Apr-2014 Feedback form

 Hello I am presently a motorcycle rider, why I say presently, I may be forced to sell my bike. In a sad way in thankful for this crappy weather. I don’t have to plate my bike. I ride a 2009 street bob and have my full M endorsement. This bike as it stands will cost me 135.00 a month to insure. On top of my monthly loan, ins and plates, this is costing me over $400 a month. I was thankful to see the rules change for motorcycle learners, that’s a blessing. If SGI increases rates on motorcycles this will not only affect motorcyclists it will affect SGI’s revenue. No plates, no ins, no nothing. There goes your increase and surplus AND you will save me $400. The more I think about it, go for it! People will use the “screwdriver plate” to ride. That's scary! (screwdriver plate, switch plate from bike to bike) I do believe and feel that the fault should fall on the DRIVER and not the insured vehicle. If I drive your car and get into an accident, I get off scott free, you don’t. This would be your ins, your premiums, so long sucka. LOL I apologize for the my dry humor, making light of a sticky situation. This however doesn’t seem right. I feel people would then smarten up if they knew they were SOLEY responsible. Accountability!! I empathize with SGI and the issues you are up against. You can’t make everybody happy. Do what you can, however I ask you put yourself in our shoes. Through trial and error and time, things will get better. Good luck!


23-Apr-2014 Facebook

 I have been in Canada for two years. I have lived all over the USA and most of the world and I am outraged by the rates charged for motorcycle insurance here. I pay $600 a year for $100 deductible full coverage in Arizona and I pay $175.00 a month here....perhaps this crown corp needs to be taken over by the private sector...Geico could do one hell of good job here. It is too bad that there was not supposed to be an increase and yet my rates went up $25.00 this year (a month). Something is extremely out of order here... (here being Saskatchewan)


22-Apr-2014 Email

As a Driver and Vehicle Owner in Saskatchewan I am absolutely opposed to SGI's 2014 Rate Proposal.


21-Apr-2014 Feedback form

I am writing this but at times I wonder why, because last year SGI all but ignored the recommendations from the SRRP so why do we even have the panel if SGI is not mandated to accept and follow the recommendations? We have the highest death rate in vehicle accidents in the country and SGI is trying to figure out why, really, they don't know, well most of us can tell you, we have the worst drivers in the country and we have the least enforcement in the country, 2 for 2 and you get death by vehicle. We need stiffer fines, people caught driving without lic should have their car impounded, points on lic not vehicle registration. To hell with blitz weeks how about we ticket bad drivers ever day, novel concept I know. I can pick any intersection in this city and video tape it all day long and I would be able to ticket well over a 100 drivers, running red lights when turning right, speeding to get thru and amber light....people have no understanding or concept what happens to the human body when in an accident until they are in one, then it is to late. SGI is doing nothing or at best band aide solutions to an increasingly huge problem and should be charged with manslaughter for sitting on their hands and butts for so long, enough is enough, charge the people responsible and let the good drivers and riders enjoy what they have earned, affordable insurance.


19-Apr-2014 Email

Dear Sirs, I am disgusted at the amount of the rate increase on Motorcycle plates. 1. You should be nailing the guys more for their plates that are having all the accidents. I have been accident free for 40 years and feel I should not have to pay the same amount of increase as the people who have had numerous accidents. 2. When I watch the reports and pictures on TV news of accidents between vehicles and motorcycles at least 7 out of 10 times the other vehicle is at fault but you are blaming the motorcyclists for them and so are the Police. 3. Another thing that really frustrates me is your discount system. I and many others feel when you have an accident and it goes on your insurance the discount should only be taken away from the vehicle that the insurance claim is against. IT SHOULD NOT BE TAKEN OFF ANY VEHICLE THAT IS NOT INVOLVED IT THE ACCIDENT OR CLAIM as there is no cost to the insurance of the other vehicle. A farmer or person who has several vehicles realloy gets it in the neck. Thank you.


16-Apr-2014 Feedback form

 I think SGI should be basing their rates on the individual's driving record and age, not on the type of vehicle one drives. There are a lot of bad drivers and they should pay more for their insurance. I consider myself a fairly good driver but I am still paying as much as a young and inexperienced driver for the same vehicle. That seems kind of unfair.


15-Apr-2014 Feedback form

 This is to inform you people that SGI has already been increasing peoples rates. I had no claims against me or my car. In 2012 I paid $513.00 in 2013 I paid $596 I checked the sgi rate calculator and for 2014 it will be $690 !! before the rate increase. I did not go back to 2011 or sooner


13-Apr-2014 Email

VEHICLES DO NOT cause this insurance to be needed and used....DRIVERS do!


1. Want the BAD DRIVERS TO PAY


2. NO Rate Increases to Motorcycles UNTIL the results of the implemented changes are known! Cartmell himself has said there will be a 20% reduction in accident and injury claims as a result!!! NO MORE INCREASES!


3. ROLL our RATES Back to pre-2012!


4. ALL Personal Insurance should be on our drivers's licences NOT our vehicles
Thank you
12-Apr-2014 Email

After making nearly 39,000,000 last year and most of my SGI registrations went up 30 to 33% last year, I cant beleve you could even try to ask for another 6.4%. Give your head a shake and let my wages catch up to your ridiculous rate increases.NOT IMPRESSED!!!!


11-Apr-2014 Email

Dear Sir or Madam:



The interesting part in all this is that WHEN our Insurer needs to increase funds due to “High-Risk” behavior (increased injuries, claims, damages, etc.) they only do so on the vehicles. Not since 2003 has there been a change to increasing the fees on Drivers Licenses which would be paid by those directly demonstrating “High-Risk” behavior!  R.A.G.E. has come up with a solution for the continued shortfall and ever increasing rates on our vehicles.

Simply bring back what was taken away in 2003. The 3-year “High-Risk” surcharge on Drivers Licenses for those who exhibit high-risk driving behavior.

LEAVE our vehicle plates alone!

This addresses ALL driver behavior. Not vehicles, but those who drive them. ALL of us!

Yours truly
11-Apr-2014 Email

 I am writing to you to voice my opposition to SGI trying to increase rates for motorcycles, again, for the 3rd time in 3 years. The RAGE group and several others have come up with numerous logical methods that SGI could implement to correct the issues at hand however they keep turning a blind eye and simply want to keep cranking the wheel and turning up prices. For the love of god please do not allow them another rate increase that will have no effect other than enraging motorcyclists in this province. The time has come to properly train new motorcyclists and also to start actually punishing bad drivers of all types of vehicles who are the real problem. Thank you.


10-Apr-2014 Email

Hello, I am getting really tired of motorcycles being penalized and targeted by SGI in the rate increases. My brother recently registered a Harley Davidson cruiser and I found the rates were higher for it than when I had my 600cc sport bike a few years ago. This is getting ridiculous. Before motorcycle rates are increased, see how many of the motorcycle accidents are actually caused by cars or other vehicles. Motorcyclists cannot text and ride but it sure is easy for a car to do so and hit a motorcyclist. I have never crashed a motorcycle in my years of riding (7) but have found that every time I have had a close call, it has been because of another vehicle's carelessness, not my carelessness. I doubt that this taken into account when SGI jacks up their rates. The answer to increasing motorcycle insurance claims is not penalizing all motorcycle riders, but educating the public in regard to motorcycles. Here in Saskatoon, there has been shown an utter lack of respect towards other motorists, let alone motorcyclists! This is shown through people running late, late yellow lights, not signalling at all, cutting people off, etc. The list goes on. I am genuinely surprised that SGI does not try to help motorcyclists get respect and recognition on the roads but instead penalizes them. The answer is not raising rates, it's cracking down on the people that get motorcyclists into accidents.  Please stop raising rates.   Thank you, Mark.


09-Apr-2014 Email

I am probably one of the few motorcyclists who does understand SGI's position.  I hope the changes over the past year will help drop rates.  According to the SGI website, rates themselves seem they will be static, but I do think there is a flaw with the 2014 fee increase to protect the reserve.



They said that mostly weather and storms (hail) really diminished it.  However, of the small percentage of vehicles being motorcycles, an extremely small amount would have had the type of claim the rate stabilization was affected by.As result, to cover unusual circumstances that drained the reserve, the increased fee to all motorcycles (but small total number) on top of the high rates we are trying to remedy, I feel is ineffective and in effect, motorcycles, however little, are subsidizing the general province wide motorpool expenditure that motorcycles were no a part of.


09-Apr-2014 Voicemail

"Yes basically to do with this ___. But they're proposing in there. It's gonna be in ___. What it was the last couple times for the older of vehicles. That was getting a 25% hike in the fees that they were paying for their licensing. That's the only unfair system. That should be based if it's gonna be a percentage I should be a present to cross tees the board and everything. If you're going to have a rate that's charging you. $700 for licensing the vehicle at the SGI it's only gonna value is $700. If you have a total lost. You're paying $1 feel for $1 order coverage. So it's gonna ___ 100% ___ vehicle is only paying Tennis per dollar a 60000 vehicle and you're holding on ___ be paying cents per dollar on our premium. It's non an fair system it's gonna change. Gotta be equal across the board. The other thing is gonna be in fact that some of their road side checks that their doing basically legal condition is less than $1 of the problem of pay to payout are for accident stuff. So basically the it's a waste of time money got the at police and SGI staff and convenience of the public. When they're tying to do kind of road schedule. It ineffective. It does not do anything as far it's ___"


09-Apr-2014 Email

I think luxury items(snowmobiles, boats, motorhomes etc ) should pay higher rates as they are not a necessity. Also cars over a certain dollar amount should pay more. If you can afford the luxury, you can afford to pay more.


09-Apr-2014 Email

I disagree with the increase of rates SGI is wanting to impose. Even a 49.00 a year increase for a pensioner is a lot. Some pensioners did not even receive that as an increase in pension in the last year , so for them it would be difficult . I believe that SGI does not have a balanced approach . Even 1/2 the increase would be fair. In conclusion I hope the relieve panel does not allow the increase and recommends SGI reduce the increase to 1/2 the request . Thank you


08-Apr-2014 Email

Dear Sir or Madame,


I need to protest the rate of insurance for motorcycles. I think that a person’s rate should be based on their driving record. I currently enjoy a 20% discount on my plates for being a safe driver and I resent being lumped in with all of the unsafe drivers out there. Please rethink this issue.

Thank you,
08-Apr-2014 Facebook

It is high time we band together to destroy sgi. I have little use for a corporation that bleeds money.




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