Thanks to getting "a-la-carte" insurance recommendations approved. However the way SGI charges our individual personal insurance to our vehicle plates is a huge problem. For example: If I own a car, a truck and a motorcycle and plate all 3...I am in fact, paying for 3 separate individual personal insurance policies. Yet, when injured in an accident I cannot make 3 claims. So for this example let's say the cost to register EACH of my vehicles is $1,000 AFTER my 20% safe-driving discount. In the 30+ years I've been driving I've never had an injury claim, nor have I caused any injuries. So: 2 - 4-wheeled vehicles @ 23% = $460 a year for personal injury insurance (out of $2,000 for my plates) 1 - motorcycle @ 77% = $770 a year for personal injury insurance (out of $1,000 for my plate) For a total of $1230 (or $102.50 a month) for personal injury insurance that I can only use if in vehicle accident (that I haven't had to use since getting a drivers license at 16). I am also ALREADY paying for disability and injury insurance elsewhere due to SGI's Personal Injury Policies only being usable IF I am ever in an accident. This is $288 a year (or $24 a month) thru my employer. I am also covered under this insurance for any auto or motorcycle accidents. SGI needs to move all our “personal” Insurance to our “personal” drivers licenses! THIS is insurance many of us ALREADY HAVE. THIS is insurance many of us WILL NOT quality for. IF YOU are collecting full Canada Pension – you DO NOT qualify UNLESS you are also working and paying income tax on a wage! Yet SGI makes you pay!!! They’ve known this for years…and done nothing!!! WHY is a person who has never used this insurance paying the same as someone who uses it regularly, or causes others to have to use theirs? AGAIN we all are being made to shoulder the burden of bad drivers. Bad drivers should pay more for this insurance! THEY USE IT!!! For “a-la-carte” insurance to truly work…ALL personal insurance must be placed on our drivers licenses. SGI has said this can’t be done! That it isn’t done anywhere else! YET…IT IS!!! SGI used to place all personal fines and demerits on our personal licenses…so the infrastructure exists…or used to exist. SGI needs to do this to make our rates fair! To continue to charge us for personal injury insurance on EVERY vehicle we register is simply gouging us…the taxpayer and voter. We can only drive one vehicle at a time. We can only make 1 claim for injury / wage replacement. Yet we pay for it on EVERY vehicle. Why? There are more vehicles in Saskatchewan than drivers!!! SGI won’t give this up easily! THEY’VE KNOWN THIS FOR YEARS!!! PERSONAL Injury / Wage Replacement Insurance has nothing to do with vehicle damages or liability in case of an accident. THOSE (damages and liability) should be on our vehicles…NOT personal insurance!

To whom it may concern:As an experienced motorcycle rider with a clean driving record, I am very disappointed to hear that insurance rates will increase yet again. Motorcycle rates are disproportionate to the value of bikes when compared to other vehicles. Accidents are the fault of drivers, not the type of vehicle they choose to drive. I see drivers of cars and trucks talking on cell phones while driving on a daily basis, yet once again, motorcyclists are considered a greater hazard to others. Really? Why has common sense been abandoned in the quest for a simplistic solution to road safety? Please do the right thing for a change, and penalize the bad drivers, not the type of vehicle that is the most convenient (and most politically correct) target.

To whom it may concern,        I am vehemently opposed to S.G.I.’s 2014 Rate Proposal in regards to the Motorcycle rates!!   Being an experienced motorcycle rider/driver (+19 safety rating) and having to pay for other riders and auto drivers mistakes/bad habits/lack of skill/no protective gear as well as fault not being assigned correctly at collisions/accidents is absolutely unacceptable. What is also unacceptable is that premiums are based only on the vehicle type/size and not on the risk factor of the person using it.  The SDR program that SGI applies does not reflect the true amount of discounted/raised premiums that it should.   As I understand last year SGI proposed an increase that was not recommended by the review panel and still went ahead and did what they wanted.  This to me seems like an insult to everyone involved with the process and I find it disturbing to say they least.  I get the feeling that the motorcycle community is being unfairly targeted and more data is needed to make an informed decision which is why I am asking to delay SGI’s request for an increase to motorcycle insurance premiums. I am concerned, and angry at Premier Wall, and the Provincial Government for permitting S.G.I. to continue to flagrantly ignore investigation, and implementation, of a real and long term sustainable public policy that would end this continuous cycle of Autofund rate increases. The Saskatchewan Rate Review Panel (SRRP) has made numerous recommendations and suggestions in recent years regarding alternative courses of action to curb escalating accident levels, and injury, and fatality costs. These costs are a direct result of individuals high-risk driving behavior, not the general population. S.G.I.’s inability to effectively deal with this issue, and manage the Auto fund, means the burden then falls directly on the shoulders of Saskatchewan taxpayers, year after year!!!Issues Summary:SGI has simply refused to take alternative and appropriate action with respect to the root cause of rising Auto Fund costs, high-risk vehicle operators. Long term changes in public policy such as appropriate financial penalties, an effective revision of the operators license demerit/reward system, license suspension, criminal charges still appear absent from SGI’s proposal. In place of effective public policy focused on safety, driver behavior, financial stability and recovery focused directly towards offending individuals, we have SGI returning yet again to the same old practice of forcing the taxpayers of this province to bear the burden of SGI inability to manage, the Auto Fund effectively. 2) General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of SGI’s inability to effectively initiate public policy that would make our streets and roads safer for everybody??I have included for your consideration, what I believe to be a sound long term solution to the escalating accident, injury and death rates in this province. It is a behavior shaping, forward looking policy that puts consequences for behavior of high-risk motorists squarely on the shoulders of the individual where it belongs. This forward looking proposal mirrors policies and practices adopted in other jurisdictions and private enterprise. Strong public policy should reflect accountability and responsibility and not provide a masked socialist blanket, that protects offenders, and penalizes safety conscious taxpayers.R.A.G.E.'s Proposal (summary);License Demerits- Place financial demerits on high-risk drivers "driver's license" not the license plate, thereby initiating both an effective behavior shaping policy and a appropriately focused revenue stream.- Raise the dollar value on the demerit points to where they are more in line with to-days costs, and present a very real and effective consequence for high-risk driving behavior.- Extend the time-frame of demerit fees from a "one-time" cost, to multi-year financial demerit system, the time frame of which is commensurate with the severity of the offence. License Suspension- Reduce the number of driving infraction demerits an individual can accumulate on their driver's license before their license is suspended.- Demerits and fines associated with driving offence demerits must remain in effect through-out the term of suspension.Criminal Charges- Review the criteria for criminal charges related accidents, injury, and high-risk behavior causing death.Law Enforcement- Request law enforcement be more diligent in assessing fault and charging individuals "at the scene". According to law enforcement statisticians, police officers seldom assess fault, or charge individuals at the scene of an accident unless alcohol is involved. Conclusion:1. Penalties for high-risk behavior would be appropriately focused and provide a substantial revenue stream, releaving the burden on the taxpayer.2. Consequences of individual actions would be felt directly by, and only by the offending party.3. Effective consequences have the potential to shape public behavior, or remove the offending individual from the ability to initiate risk, thereby increasing safety, reducing accidents, injury and fatalities, and stem escalating Auto Fund costs.     Sincerely,               

Hi, I am asking that you not increase the rates for us good drivers. I follow the rules and work very hard for my income. A motorcycle in the summer helps to lower fuel costs. My wages aren't going up nearly as quickly as the proposed rates from the crowns. This is becoming a hardship. Public transit is also very expensive, and to keep working, I need to be moblile. Thanks

I believe that it is high time that motor cycle rates reflect the amount of claims submitted and their rates increased accordingly. I also feel that motor cycles need mufflers!!! The age old argument of "if people can't see a motor cycle, then they will hear one" does NOT keep riders safe!!! What will keep them safe is a HORN!!! If I was about to cut of a bike in traffic and the rider sounded their horn, then I would pull back into my lane and avoid them!!! Just because I hear this deafening rumble from a motor cycle it does NOT tell me if it is to my right, my left,behind me or around the corner and 1/2 a block down. It only leaves me to ask; "why have motor cycles been exempt from the rules of the road for so long in respect to noise??? Loud motor cycles are NOT a safety issue but rather a vanity one!!!

Dear Saskatchewan Government Insurance.

I  strongly disagree with your unjust increase of motorcycle insurance rates.  The statistics do not support this increase and we feel as if we are being chastised for being a minority.  I suggest increasing the insurance of people who are found to be at fault due to undue care and attention.

Sincerely,

Why is it that the province over in Alberta, they're light years ahead in giving insurance for their motorcycles an other vehicles (They're fair), compared to Saskatchewan, which is at a staggering, UNaffordable, and over priced insurances. I find what you did with this whole situation childish and you didn't even lift a finger to help with this issue. Major fail! Throwing money at this issue is not going to fix it. We both know this, so why not do what you were elected to do ... SGI is making motorcyclists look like outlaws, etc, when in reality these folks are your neighbor, your policeman.woman, and regular folks. It's a shame and I'm sick of it. How am I supposed to afford $230.00 a month to plate a motorcycle? The cost of living is going up and everything is going up (groceries, gas, bills, rent, etc) but my wage isn't going anywhere. The whole way SGI, is going about this issue is PATHETIC! and the way you're handling this issue is also pathetic. It's true. I respect you but this has got to end. I will end up going to the province over/ moving there because of this gibberish you guys have been playing. 

Been a motorcycle rider in this province for over 35 years and now you expect me to pay 1786.00 to license a 1997 Harley Davidson touring bike. SGI is being absolutely ridiculous. I will license in Alberta this year for half of this and get the same coverage. I've had enough of me paying for SGI's screw ups and not training new riders. SGI has failed big time on this one

This is absolute bullcrap! !!  15% increase? ?  You're making it hard for me to get back into riding again....what the hell is the point anymore? ?  I'm literally at the end of my rope.  It's so expensive to ride, I'll NEVER get my damn license! !  Oooo I am so mad right now....  I wanted to eventually park my car and just ride my bike all Summer....but noooo....you put all of us bikers in one pot....you think we are all bad asses out breaking the law.....so far from it!! 

To whom it may concern: As an experienced motorcycle rider with a clean driving record, I am very disappointed to hear that insurance rates will increase yet again. Motorcycle rates are disproportionate to the value of bikes when compared to other vehicles. Accidents are the fault of drivers, not the type of vehicle they choose to drive. I see drivers of cars and trucks talking on cell phones while driving on a daily basis, yet once again, motorcyclists are considered a greater hazard to others. Really? Why has common sense been abandoned in the quest for a simplistic solution to road safety? Please do the right thing for a change, and penalize the bad drivers, not the type of vehicle that is the most convenient (and most politically correct) target. Sincerely,

Dear Sir/MadamI am writing to express my concern over what I consider an unfair increase to safe drivers. A blanket policy of upping everyone's rates is discriminatory and punishes all for the actions of some. The bad drivers deserve to pay for their actions in higher rates, mandatory education and testing and perhaps suspension of their license subject to infraction. I support mandatory safety courses for new motorcycle riders as well. Thank You

Hello, this just to put in my two cents on your once again rising rates.. I currently ride a 2006 Suzuki motorcycle. I have a good driving record and a discount of 14%. However, I still currently pay $185 a month. My rate wasn't near as high when I first bought the bike and began riding so it was worth it for me. Now though, it is soon to be over $200 a month and is just no longer worth it to me. I have my bike up for sale and will no longer be paying for insurance through you. I will in the future, however, move to Alberta, buy a bike again and pay a rate that is actually reasonable to drive it. My significant other is also considering selling his bike due these outrageous insurance rates in fact I have spoke with many people who are thinking the same. We love riding but we do not love being bullied by our government who is making us out to be the bad guys in the situation! And FYI I don't buy any of your bull shit excuses about how the motorcyclists are emptying the auto fund. Both you and I know that is bull shit. Anyways, I hope you enjoy losing probably quite a few customers over the course of the next couple years. You have lost me that is for sure.

Contact from R.A.G.E. - no message included

My son just registered a. 2014 Suzuki 650 in Alberta where he lives, he has had one impaired in 2009 in Sask but nothing since. It cost him. $318 for one year with 1 million liability full comprehensive fire theft etc. My 2000 Electra Glide Harley will costs me. $150 per month here! I have a clean record! Thanks Brad , I guess I will move to Alberta, I have lived here all my life and worked and payed taxes and am now retired. This is Socialism at its best ! We pay for others bad driving habits , I voted for free choice where is it ! Let the private company's in to compete and let SGI compete like the resource industry please. We have been forced to deal with this dictatorship long enough! Thank you!

This is nonsense. Simply raising rates on bikes will not solve any issue, at worst it will just make a few people ride with no insurance... What needs to be happening is rates on a per individual basis, high claim drivers pay more obviously. Or start going after the car drivers that cause most of the bike accidents... Us bike riders have 7-8 months of snow to deal with before we can get on our bikes, these exorbitant rates are just kicking us when we are down. Thank you.

To whom it may concern;                    As I researched the cost of insurance for the upcoming motorcycle season, I was quite shocked to discover that my rates for my nearly 20 year old machine have increased just shy of $50.00 per month or $600.00 per year. This is very onerous as I have the maximum sfaety rating of 0 and cannot understand the reasoning behind this huge increase. I use my bike for commuting to work ( about a 40km round trip ) every day I possibly can. This can save me quite a bit of fuel as opposed to my other vehicle. My driving record is perfect, not so much as a seatbelt, speeding or parking ticket for that matter. The question is why should I have to pay for others that are not as careful or are causing the fund financial hardship? It should not be a simple matter of user pay ( i am willing to pay what is fair ) but the abusers must pay their larger share as they are the ones putting all of us in a bad position. Please reconsider this massive and unfair jump in my and all other responsible riders rates.

I am stunned and appalled by your choice to increase the motorcycle insurance rates. My 2008 650cc sport bike costs over $2000/yr to plate. I paid $3700 for my motorcycle last year. Does this make sense to you? We will not stop showing our concern as motorcycle riders. Have some common sense and come up with another option for your profits.

$1993 for an 09 dyna?  This is absolutely preposterous.  Come on!   Really? Enough of the BULLYING.   Due to the increase I guarantee they will be losing riders which in result is less cash flow.  Which in turn means they will have to increase it more again.  Motorcycles DO NOT cause the majority of motorcycle related accidents.  MOTORCYCLE riding requires alot of attention. It's the motorists in cars and trucks that are not paying enough attention to what is going on around them.  When motorists are causing these accidents the claims should be drawn from there fund and put against the cars and trucks.  NOT the motorcycle fund.  Obviously the majority of Sgi employees and the rare review panel have never ridden a motorcycle and do not realize how frustrating it is to be the ones being punished. Absolutely frustrated,

Hello

This needs to be considered and considered wisely. We the riders ride in rally’s to support several causes and donate money to charities. The slogan “LOUD PIPES SAVE LIVES” was not created because there was nothing better to do!  FACT!!!

If I get cut off one more time by a foreigner, old person or anybody to that fact,  I will take action into my own hands.  I ride my motorcycle because I enjoy it, not to die! You always hear of bikes going down. IT’S THE RIDERS FAULT AGAIN! Society is lead to believe it’s ALWAYS the rider.  You want to increase my rates…why? You want to put a limit on pipes? Because you don’t want to be accountable for your STUPID system and policies. TARGET THE PROBLEM AND NOT EVERY RIDER!!

I will continue with my bike and my pipes. If you can’t see me you will dam well hear me!

I AM ABSOLUTELY OPPOSED TO SGI'S 2014 RATE PROPOSAL!!! SGI did not listen the the Rate Review Panel last year and raised our rates 15% already! On top of 30% in 2012! SGI needs to roll-back our rates to pre-2012. Our rates need to stay here until the results of the implemented recommendations are known. SGI has stated the changes being implemented will have an impact of reducing death and injury from motorcycle crashes by 20%. SGI needs to move all things that are "personal" to me to my driver's licence. OUR personal insurance and and personal driving demerits should be on OUR own drivers licences. NOT the vehicle we drive! Why do I continue to pay for bad drivers? 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 promised! Sincerely,

The proposed motorcycle rate increase is ridiculous. If motorcycle insurance in private markets can be 80% cheaper than SGI, you are doing something wrong with your calculation of risk and application of premiums. Also, other jurisdictions take effective measures to improve safety - such as training and strict licencing requirements. Rather than requiring more training or higher skill to pass the test, you're simply charging people more. SGI is unfair to the safe drivers and we have no other option than SGI's monopoly.

I am absolutely opposed to S.G.I.’s 2014 Rate Proposal!!. It is unfounded and offensive!!!This S.G.I. Monopoly is Extorting the people, I believe the Criminal Code of Canada states that Extortion is illegal,  even if the one doing the Extorting is the Government. All must be held accountable. I believe there are still some good elected officials left in our Government, who our there to do their actual job (Be the voice of the people). I sincerely hope this letter finds it's way to them.I am concerned, angry and quite dissapointed with Premier Wall, and the Provincial Government for permitting S.G.I. to continue to flagrantly ignore the investigation, and implementation, of a real and long term sustainable public policy that would end this continuous cycle of Autofund rate increases. The Saskatchewan Rate Review Panel (SRRP) has made numerous recommendations and suggestions in recent years regarding alternative courses of action to curb escalating accident levels, and injury, and fatality costs. These costs are a direct result of individuals high-risk driving behavior, not the general population. S.G.I.’s inability to effectively deal with this issue, and manage the Auto fund, means the burden then falls directly on the shoulders of Saskatchewan taxpayers, year after year!!!...To me it seems this is just another revenue ploy by our governing body, for every corrupt agenda there is a false illusion of good intent.Issues Summary:S.G.I. has simply refused to take alternative and appropriate action with respect to the root cause of rising Auto Fund costs, high-risk vehicle operators.Long term changes in public policy such as appropriate financial penalties, an effective revision of the operators license demerit/reward system, license suspension, criminal charges still appear absent from SGI’s proposal. In place of effective public policy focused on safety, driver behavior, financial stability and recovery focused directly towards offending individuals, we have SGI returning yet again to the same old practice of forcing the taxpayers of this province to bear the burden of SGI inability to manage, the Auto Fund effectively. General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of S.G.I.’s inability to effectively initiate public policy that would make our streets and roads safer for everybody??I have included for your consideration, what I and other R.A.G.E. members believe to be a sound long term solution to the escalating accident, injury and death rates in this province. It is a behavior shaping, forward looking policy that puts consequences for behavior of high-risk motorists squarely on the shoulders of the individual where it belongs. This forward looking proposal mirrors policies and practices adopted in other jurisdictions and private enterprise. Strong public policy should reflect accountability and responsibility and not provide a masked socialist blanket, that protects offenders, and penalizes safety conscious taxpayers.R.A.G.E.'s Proposal (summary);License Demerits- Place financial demerits on high-risk drivers "driver's license" not the license plate, thereby initiating both an effective behavior shaping policy and a appropriately focused revenue stream.- Raise the dollar value on the demerit points to where they are more in line with to-days costs, and present a very real and effective consequence for high-risk driving behavior.- Extend the time-frame of demerit fees from a "one-time" cost, to multi-year financial demerit system, the time frame of which is commensurate with the severity of the offence.License Suspension- Reduce the number of driving infraction demerits an individual can accumulate on their driver's license before their license is suspended.- Demerits and fines associated with driving offence demerits must remain in effect through-out the term of suspension.Criminal Charges- Review the criteria for criminal charges related accidents, injury, and high-risk behavior causing death.Law Enforcement- Request law enforcement be more diligent in assessing fault and charging individuals "at the scene". According to law enforcement statisticians, police officers seldom assess fault, or charge individuals at the scene of an accident unless alcohol is involved.Conclusion:1. Penalties for high-risk behavior would be appropriately focused and provide a substantial revenue stream, releaving the burden on the taxpayer.2. Consequences of individual actions would be felt directly by, and only by the offending party.3. Effective consequences have the potential to shape public behavior, or remove the offending individual from the ability to initiate risk, thereby increasing safety, reducing accidents, injury and fatalities, and stem escalating Auto Fund costs.

Thank you for taking the time to read and post my comments and the opportunity to provide input on the SGI Auto Fund review. SGI has had 85% rate increases in four previous rate increases. Enough is enough, it is time for the bad drivers, motorcycle and other vehicles to be paying for their bad driving. I have a good driving record and should not be paying the same rate that someone that has a poor driving record. It is time to move the rate calculations from what people drive to how people drive. Please turn down the rate increase SGI has requested. They were given 15% last year and said this year there would be no rate increase for motorcycle in 2014. No here we are again and SGI is asking for another rate increase.

Sgi has gouged motorcycle riders very heavily over the last 2 years. Last year after public outcry a committee was formed that made recommendations to sgi to reduce costs from motorcycle collisions. Sgi only agreed to a few and promised not to increase rates until a reasonable period of time had elapsed so as to measure the impact of the new changes. These changes did not come into effect until 2014 and now they are asking for more money which is unreasonable. Please deny this change or force sgi to fully implement the committee recommendations especially mandatory training or better still let me but my insurance from someone other than sgi because motorcycle insurance is cheaper everywhere except Saskatchewan. Thank you in advance.