SGI Auto Fund

With the SGI reserves over 180%, I urge you to reject the proposed rate hike for auto insurance.

This is suit and tie robbery at its finest ! How do you expect motorcyclists to be on the road if you financially push them out absolutely ridiculous. You give out rebates just to make it all back and then some with new rate increase. SGI WILL SINGLEHANDLY KILL MOTORCYCLE RIDING IN SASKATCHEWAN ALL FOR CORPORATE GREED !

I have been riding motorcycles for over 15 years. It used to be economical as it used less fuel then my vehicle to commute back and forth to work. The insurance rate increases have destroyed my commuting on my motorcycle. My motorcycle insurance is now three times higher then my vehicle! Clearly not helping the environment at all. Lower the rates as there were before the 2012 increase. It is not the high cc of an engine you should concentrate on, it is a persons driving/riding record. Penalize the person who causes the accident! All people are responsible for looking when driving to avoid accidents. If a motorcycle is involved in an accident it is usually because a driver in a car didn’t bother to look!! Raise their insurance rates. Yes, we got a refund. Big deal. If you lowered our rates SGI wouldn’t have excessive funds. Being they are supposed to be not for profit?! A refund with a notice rates are increasing! This does not make any sense. Lower our rates. Stop killing a culture.

All your numbers are there on accidents for motorcycles !! Your numbers not made up numbers !! The accidents and collisions are lower now than before 2010 !! Like I said it's your numbers and since they are lower there is no need for another increase in rates !! Therefore the rates should go back to what they were before 2012 increase !!

"I am writing to express my concern over the proposed 10% rate increase on motorcycle licensing. Motorcycle collision rates are at the lowest level since before 2010, yet you plan to penalize riders by increasing the already exorbitant rates. Your concern over less funding coming from bike licensing has been completely of your own making most people can’t afford to pay the monthly or yearly rates so they choose the permit option which is more affordable but still overpriced. My car is a 2012 and I pay just over $1000 a year to plate it, while my motorcycle is a 2003 and you charge close to $200 a month for insurance. If you go ahead with the proposed increase you will see even less money coming in from the motorcycle division, which from my perspective is exactly the opposite of what you are trying to achieve. Please reconsider this rate increase.

I am writing today to express my extreme disappointment and frustration with SGI. I have been an avid motorcycle enthusiast since 2004. I currently own four motorcycles, and due to the cost of insurance, I cannot ride them as much as I would like. You have priced motorcycle insurance out of reach for most people. After hearing all the information I feel another rate increase is not justified and clearly an attempt to make money off of other motorcycle enthusiasts. The information and data are clear and those making the decisions for an increase should be embarrassed. I am wanting the insurance rates for motorcycles to drop below the 2012 level. These rate increases hurt everyone from dealerships, service shops, and especially the riders. Saskatchewan has some of the highest rates in North America and this is unacceptable. I encourage you to do what is necessary to retain motorcycle enthusiasts which creates an economy for those that have a passion for them. I look forward to your decision, and hope that you make the correct one.

Cell Phones, and distracted driving lets go after the repeat offenders. That's who is causing the accidents, not motorcycles. These repeat offenders are injuring motorcyclists!! How many tickets are handed out for cell phone use, and distracted driving on a motorcycle? Roll back the rates to before 2012.

I am a senior citizen that enjoys motorcycle riding, a safe driver with plus 20 points. I feel this increase is unfairly penalizing the good drivers as well as those of us involved in accidents that were not our fault. The motorcycle community has fewer than accident then in 2010 we are asking for a rollback till that date. If you want to increase motorcycle license she did not E age related like him other provinces accident related when at fault why penalize everyone for a few bad apples thank you for your consideration . We in the touring community put on many thousands of klms per year safely this rate hike during covid and your bountiful war chest is unacceptable for a Saskatchewan corporate insurance company

"Recently it has been announced that the motorcycle lic plates are going up again. This is really hard to believe. The plates now are too high compared to other provinces. If you need more revenue from motorcycles why don't you get rid of the continuous permits that lots for riders are forced to use as it is cheaper then the outrageous plates. Limit all vehicles to 2 permits a year. Why is it that you do not require plates on the newly popular small electric motorcycles that share the roads with small gas motorcycles, yet the gas ones need plates. Does this mean that if I buy an electric car that I drive on the same roads as gas cars I do not need plates? And I guess I will not need a drives lic either as the electric motorcycles riders do not need one. I have witnessed several electric motorcycle riders that are dangerous on the roads and there will be fatalities. but SGI will not care because they were not plated motorcycles. It has always been my belief that the Crowns were here to benefit all citizens of Sask. Much like the library is paid for by everyone but only used by a very few. Perhaps it is time to privatize??? As a SGI supporter for insurance of house and business in the past I will be watching what happens with motorcycle plate rates and can assure you that the increase in my plates will in no way even cover the GST on my premieums that will be going to another insurance company. "

My opinion on the motorcycle portion of this review is that it is completely outrageous. Motorcycle rates are already higher than any other place I’ve seen and the number of people even insuring motorcycles has gone down due to the high costs. Motorcycle rates need to be reduced to rates closer to the 2011 rates prior to the major jump. It also affects the businesses that are selling motorcycles as the cost of insurance is stopping people like myself from purchasing a new motorcycle. In short I believe the motorcycle rates need to be reduced significantly in order to allow more people to be able to afford to properly insure their motorcycles thus creating extra revenue for sgi through the quantity of people not through price gouging the few of us that actually plate our bikes these days.

I hear from my company sgi increasing the taxi insurance. We already pay to much why u guys increasing the insurance. One other thing Uber pay a basic insurance but they work same like us.we pay almost 400 to 480 and Uber pay 120 …

"I have been riding motorcycles since I was 16 years old and now in my 60’s and have never had a motorcycle accident. With your rate proposals and costs I have been forced to pick and choose when to ride because of your outrageous rates. At this time in my life the government is making it difficult for us to ride with the limited amount of summer that we do have. I realize that this is a business but even with safe driving record and how you calculate engine sizes is misguided and wrong. You are forcing riders to sell there motorcycles thus less accidents. Your stats should show you that majority of accidents are caused by drivers of vehicles cutting off or running into motorcycles because of there lack driving attention for obvious reasons. Please think this over, before we go the way of the dinosaurs. "

I just wanted to send a quick email saying how ridiculous the proposed rate hike is for motorcycles. The rates should be reduced to what it was before the hike back in 2012. Make the drivers who are in accidents pay significantly more and leave the good drivers alone! This should go for all vehicles period! For the amount of time I spend riding in a month it is unbelievably expensive when I look at cost for insurance per ride. RAGE continues to bring proposals to the table that work and have significantly reduced motorcycle accidents. Start enforcing the correct gear/clothing requirements for motorcycles and I’m sure the injury claims will go down. Not to mention that the driver education program must need to be looked at, there are so many bad drivers on the road that clearly don’t know the rules/laws! Make motorcycle riding economical again! Bikes use so much less fuel and create way less emissions, their use should be encouraged not shunned by overpricing insurance to the point that there are people selling their bikes and at a reduced value due to no one being able/willing to pay the exorbitant insurance rates. In Alberta it costs around $900 to insure a bike for a whole year! I pay that much in about 4 months! Also RV insurance is way out of hand! Stop writing off RV’s for mice infestations! Surely we have the technology to safely clean and repair versus a complete write off due to a few mice turds being found! With proper PPE and equipment (such as inspection cameras like mechanics use to look inside engines) it should be very easy and economical to repair! I truly hope this doesn’t fall on deaf ears like I suspect it will! P.S. I have moved all of my insurance policies that can be moved from SGI away from SGI due to the rate hikes in previous years. I know a lot of people who have done the same. Imagine how many customers could be gained back by reducing rates and keeping customers happy!

"It has come to my understanding that SGI is planning on raising rates once again for motorcycles. This is unfathomable as SGI just gave out rebates to people because of “the strong financial position of the Saskatchewan Auto Fund Rate Stabilization Reserve.” Plates for my motorcycle cost approximately $1,800 / year, currently I am paying ~$160 / month just to be able to ride my motorcycle. This of course does not include the expendable costs such as fuel, oil, etc... I have never been in an accident with my motorcycle nor have I ever made a claim against my motorcycle insurance. Upon looking at the suggest increase SGI my rates are going to go up by $200+ just for my motorcycle!!! (My private vehicles are also going up from the looks of things). Motorcycle accidents are at an all time low for a number of reasons. The main reason is that people can no longer afford this great pastime that allows us to tour our province in the wide open!! I am not saying accidents do not happen. One of my friends I was riding with hit a deer this summer and was in serious condition for a long time. However, being a wildlife collision, doesn’t make it anyone’s fault as was just that, an accident. Many accidents are also caused motor vehicles that didn’t see the motorcycle, yet it is always the motorcycles that get punished. I urge the Rate Review Panel to deny SGI the increase. They are already taking too much from us and rates should be cut, not increased. A decrease in rates would increase the amount of bikes plated thus making up the difference. My father has four motorcycles himself and can only afford to plate one at a time. Before the massive increase a few years ago he’d have all four plated. Once again, I urge you to please deny the increase. "

I am a normal citizen, a pensioner, retired RCMP, living in Moose Jaw. I own a few bikes and love to ride. The rates are way too high and I find myself only registering one at a time this year because of it. I used to keep plates on all of them. Please review the rates carefully and bring them down a substantial amount. Riding is a great sport and "green" too as we get good gas mileage. Please do the right thing and look critically at the rates.

I am writing to express my disgust with the insurance rate increase SGI is proposing for motorcycles in the upcoming year. Having participated in the 2013 review focus group with SGI as a representative of the Saskatchewan Dual Sport Club I have some concerns with the logic of this increase. First, prices to insure a motorcycle are already sky-high. I have a motorcycle for which I paid $1100 and SGI lists its current insurance rate at $450 per year. The proposed rate for this motorcycle is $543 per year. Therefore if the proposed increase goes ahead and not accounting for my safety rating I could be paying about half of the purchase value of the motorcycle for insurance each year. Even at the current rates I have bought the motorcycle many times over since I initially purchased it. This is not sustainable for people who are into motorcycling. In 2015 I bought an 800 cc dual-sport motorcycle for $10,000. I had a $6000 trade in, and borrowed around $5500 (taxes and fees) for the remainder of the purchase. My monthly payments were just under $150. My insurance was $139 per month. And the insurance continues indefinitely, even after the motorcycle was paid off. I finally sold it because I could no longer stomach paying that rate. My motorcycles are now all under the magic 400 cc mark, where SGI seems to think motorcycles suddenly become much safer. I would love to buy a larger bike again since my sub-400 cc bikes are a bit slower than I’d like, but I can have 2 or 3 smaller ones for different purposes for the same money. Second, there were several ideas put forward at the 2013 focus group that SGI seemed to dismiss out of hand. For example, the idea of penalizing riders more stiffly for infractions and accidents was not even considered. SGI’s suggestion at the time was that this would simply lead to people riding without insurance, as some would not be able to pay the fines. I would argue that many riders are likely riding without insurance now, or with permits only instead of full insurance simply because the cost of insurance is so high. In fact SGI even stated that when they had raised rates by 24% previous to that, they had only seen the motorcycle contributions to the fund increase by 11% because so many riders either switched to permit plating only or began removing their plates in winter. Another idea SGI would not consider was the removal of insurance protections for those in an accident without the proper gear on. If a rider gets on their motorcycle wearing a tee-shirt, shorts, and flip-flops and they are in an accident SGI will still cover cosmetic skin grafts up to $24,000, from what I understand. SGI’s argument against this was that while there is a clear testing and approval standard for helmets (DOT, SNELL) there is no such standard for “approved’ gear. I would counter by saying “Why does there have to be a standard of approved gear?” Insurance companies refuse coverage for certain things to individuals all the time based on the insurance company’s judgment of what occurred or what responsibility rests with the individual, so why does this need to be different? I have many more arguments, but not much time. Therefore I will conclude by stating that this large headache SGI has created by driving up motorcycle insurance rates to try to cover motorcycle expenses is coming from a desire to be “fair” to other private vehicle drivers. However, motorcycles make up such a small percentage of vehicles on the road that we are talking about saving the average car driver in Saskatchewan less than $10 (around 1%) with the massive 2013 and 2021 increases to motorcycle rates. Therefore as an accident-free motorcyclist for over 20 years with a 20% safety discount, SGI is suggesting that I am still supposed to pay another $292 this year for my three sub-400 cc motorcycles, and that this will save the average automobile driver less than $6 per year and that somehow this aligns with the Autofund’s desire to provide “fair and affordable insurance” for all Saskatchewan residents. This is absurd. In fact, it is absurd that SGI would even pick this fight with motorcyclists for such a small benefit to other drivers. I implore you to NOT allow any rate increases for motorcycles, and in fact to push SGI to roll back their motorcycle insurance rates to at least pre-2013 levels. It will benefit motorcyclists, will not be a noticeable burden to other private vehicle owners, and the reduction in motorcycle contributions to the Autofund will not decrease proportionally as a higher percentage of riders will leave their motorcycles insured in winter and will buy insurance instead of using the permit system to ride. I trust you will do the right thing. If not, I will consider taking my family to another province where motorcycling is affordable.

" Outrageous insurance rates for motorcycles why???"

I was thoroughly disappointed when I received news that SGI was looking at again increasing motorcycle rates. We already have rates higher than most other jurisdictions, and out flat straight roads and minimal traffic certainly don't appear to indicate unusually risky road conditions. The current rates, not to mention the proposed increases just make riding unaffordable. Between the various riding groups I am involved with and instructing new riders, the high cost of insurance prevents most people from having their motorcycles registered for the season... greatly reducing their riding and the income SGI gets from their premiums. I love riding, and even plated my bikes during university when money was tight. It is sad to see over inflated insurance costs taking riding away from so many people. Alternatively, people riding uninsured, instead of paying enough in insurance to buy another bike ever year is certainly not good for anybody. My understanding is that much of the premium goes toward injury payments, which makes sense given the lack of protection. In the last few years, SGI has been incentivizing training for new riders. This seems like a responsible step, as sending people out on powerful bikes with little to no clue how to ride never did seem to make much sense. I am an instructor for new riders, and our courses have been quite busy with demand for more courses than we have been offering. Accident rates have been dropping dramatically, since the incentivized training came in. It is wonderful to see that this initiative has had success and is making our roads safer. Accidents are way down, but we still don't see as many bikes on the road. With safer riders coming through the safety training programs, I would like to see these people actually have a chance to ride. Please do not take this opportunity away by increasing rates even further.

I am emailing in protest to the increase in motorcycle insurance. My story and reason why I apose this increase. We have been a and are motorcycle family. I have been a registered motorcycle ride since I have 15 years old. I have spend many hours with my family and most importantly my father riding motorcycles and motor sports in general. It is a passion that now been adopted by my son. After many conversations with my father is likely to get out of the sport strictly because of the cost. Hes retired now and being on fixed income put pressure on him to decide what luxuries he can continue with. Me personally I have a family of 5 and every year I seen a insure increase making less feasible to continue as well. 5 years ago my wife completed her licences and has been riding since. There absolutely no way our family could plate two motorcycles atvor 200 per month per vehicle. So the current rates are limiting Saskatchewan people to be active in the spot currently little lone with an increase. I also use my motorcycle as fuel economy vehicle to commute to work as well as recreation. Motorcycles are very fuel efficient but in Saskatchewan we understand that it can be your main vehicle. With my dad likely to leave the sport, I myself considering to exit, there will likley be no opportunity to pass on our family passion with my son and daughter who are gaining a passion for 2 wheels. Please reconsider any additional rate increases and please lower any cost for riders in good standing.

I don’t agree with rate increases and if anything they should be lowered for those who have a clean record. I drive a sport bike And use it for casual riding and getting out of the house. If rates increase it will be harder to enjoy the little freedom I have pushing me out from riding. It’s counter productive discouraging new riders and those who want to do better for the environment by rising the all ready high rates!!

"As life long motorcycle rider and retired Saskatchewan resident on a fixed income I a-pose any additional rate increases implemented on Saskatchewan residents. We are paying upwards of $2400 per year for insurance. We are overpaying now and it’s to point it’s not even affordable to continue owning a motor bike currently. Please as the review panel reconsider and lower rates for ride with clean driving abstracts. "

I am writing in regards to rate increase on motorcycles in Saskatchewan. In my opinion of 30 plus years of riding the recent rate increases have been unfair and flawed in their reviews. Penalizing all motorcycle riders for a minority of at fault accidents involving other motor vehicles. We are being charged large increase when we are not largely at fault in these accidents. And penalizing safe riders for the actions of others. I would ask you to reconsider the rate increase against motorcycles as it is becoming unattainable to register them in Saskatchewan.

We want to add our voices to the many others who are questioning the wisdom and rationale of again raising the insurance rates on motorcycles. We are already almost priced out of the market as far as licensing our bikes. We have ridden motorcycles for over 55 years and have always licenced our bike for the whole season - also we have never had an accident claim in all that time. However we now find ourselves in the position of not being able to afford to do that and have shortened our licensing to only part of the season and using permits for any other rides. And we have a fairly healthy income - I am not sure how some of the younger people will be able to even consider owning a motorcycle. This is not only not fair but totally inconvenient. We feel that we are being punished for the riding habits of a few. We can't see how this is going to help the situation if the insurance fund is underfunded - by increasing the rates to impossible prices, you are not increasing the amount of the fund because fewer people are going to be able to afford to ride so your base is going to shrink, not increase. Perhaps a more viable idea would be to further increase the rates for those who have accidents instead of punishing everyone for the faults of a few. We hope you reconsider the idea of a further rate increase before it is too late. We love to ride but there is a limit to what we can afford to pay in order to do that.

"To whom it may concern, the proposed rate increases for motorcyclists are unfair and should not increase! While SGI has a billion in the bank after the recent pay back to the citizens of Saskatchewan they remain with a surplus and have their hands out for more. I have been riding for over 25 years and have never had an accident.I am highly educated and don't appreciate how we were spoken to at the rate review meeting. The condescending tone was highly offensive and I am not the only one that felt this way.When their own data was presented back to them in a manner that did not reflect their narrative they became defensive and patronizing. Firstly, I would like to ask why the individual with a proven safe riding record is paying for the bad riders? Rate increases and penalties should be applied to those that use the system and have had an accident. New riders are the most at risk and they should have to pay more upfront and their rates should decrease over time and after a proven safe rider record. Rates should not be increased for a certain engine size. This makes zero sense.. Secondly, I can no longer afford to plate my motorcycle and now permit it the days when I want to ride. SGI is getting less and less from me every year. If rates were affordable I would plate my bike 6 months of the year as opposed to a total of mayne 30 days. Where SGI used to receive thousands from me, they now maybe get a few hundred dollars. Thirdly, the reason SGI is now seeing older riders in accidents is because new riders cannot afford to ride. Look at the data and compare it to 15 years ago. The number of individuals in the age of 20-40 is significantly less. As a result, if someone is in an accident thay are the ones still riding, they are the older individuals. The pool of people from how you are taking the data is different now. . Let's compare apples to apples SGI and do your homework. The numbers are now skewed to show the age range of riders who are older. It makes sense because the only ones left riding are the ones that have been doing it for years because new young people cannot afford to ride. The number of collisions and accidents have declined when SGI did the right thing and made a graduated riding program back in 2010. Why are riders not being rewarded for this? It's simple, make those who have been in any accident on any vehicle pay more. Make those that are new have to graduate and be rewarded over time with a safe driving or riding record. It is absolutely false of SGI to say we pay less than the other provinces. Pick up the phone and call another province. We pay the HIGHEST from what I have found. SGI is slowly killing an industry. While other countries promote motorcycles as a form of transportation to save the environment, our province is doing everything to deter this!! Right now, when life is difficult and everyone is trying to do things to support their mental health SGI is finding a way to dip into the pockets of good hard working people when they have money in their bank. Enough is enough!!

"To whom it may concern, the proposed rate increases for motorcyclists are unfair and should not increase! While SGI has a billion in the bank after the recent pay back to the citizens of Saskatchewan they remain with a surplus and have their hands out for more. I have been riding for over 25 years and have never had an accident.I am highly educated and don't appreciate how we were spoken to at the rate review meeting. The condescending tone was highly offensive and I am not the only one that felt this way.When their own data was presented back to them in a manner that did not reflect their narrative they became defensive and patronizing. Firstly, I would like to ask why the individual with a proven safe riding record is paying for the bad riders? Rate increases and penalties should be applied to those that use the system and have had an accident. New riders are the most at risk and they should have to pay more upfront and their rates should decrease over time and after a proven safe rider record. Rates should not be increased for a certain engine size. This makes zero sense.. Secondly, I can no longer afford to plate my motorcycle and now permit it the days when I want to ride. SGI is getting less and less from me every year. If rates were affordable I would plate my bike 6 months of the year as opposed to a total of mayne 30 days. Where SGI used to receive thousands from me, they now maybe get a few hundred dollars. Thirdly, the reason SGI is now seeing older riders in accidents is because new riders cannot afford to ride. Look at the data and compare it to 15 years ago. The number of individuals in the age of 20-40 is significantly less. As a result, if someone is in an accident thay are the ones still riding, they are the older individuals. The pool of people from how you are taking the data is different now. . Let's compare apples to apples SGI and do your homework. The numbers are now skewed to show the age range of riders who are older. It makes sense because the only ones left riding are the ones that have been doing it for years because new young people cannot afford to ride. The number of collisions and accidents have declined when SGI did the right thing and made a graduated riding program back in 2010. Why are riders not being rewarded for this? It's simple, make those who have been in any accident on any vehicle pay more. Make those that are new have to graduate and be rewarded over time with a safe driving or riding record. It is absolutely false of SGI to say we pay less than the other provinces. Pick up the phone and call another province. We pay the HIGHEST from what I have found. SGI is slowly killing an industry. While other countries promote motorcycles as a form of transportation to save the environment, our province is doing everything to deter this!! Right now, when life is difficult and everyone is trying to do things to support their mental health SGI is finding a way to dip into the pockets of good hard working people when they have money in their bank. Enough is enough!! "

"After attending the meeting a few weeks ago it must be apparent to you the passion of motorcyclists and the outrage towards SGI proposing another rate increase from a group that has already had substantial increases over the the past few years. Even after demonstrating incredible changes in the right direction, SGI has continued to focus on motorcyclists to keep paying more. SGI penalizes us as opposed to rewarding us for fewer claims and collisions. Why is SGI refusing to look at all drivers/riders and penalize those who have poor driving records, and those that are new to driving which are more likely to be in a collision? This has been the direction on other provinces and works. Why motorcyclist specifically ? The numbers SGI has provided don’t make sense. Those that have perfect driving records should not pay more especially when SGI has a massive surplus at this time.Why does SGI continue to go back to the same group time after time? Motorcyclists have significantly reduced collisions and accidents since 2010 because they worked “with” not against this group to make changes to the rules of new riders. SGI should continue to work with motorcyclists and create a graduated driving program to continue in the right direction but it appears for some reason, and it is not because of their data, they don’t want to work in this direction. Why continue to have their hands out? That is not a long term solution as we all know. Unsafe drivers should be paying more, not proven safe riders. Get to work and make a plan SGI. Other provinces have figure this out. When investigating rates in other provinces, we pay the one of the HIGHEST rates. I feel SGI has not done their homework and is creating a narrative to support their position on increasing rates. Please pick up the phone and call other province before you believe their data. The tone of the meeting a few weeks ago was very condescending. Many motorcyclists are highly educated, hard working people. It was very much felt that day that we were treated as lower class individuals. I was not the only one in the room that felt this way. When SGI’s own numbers were presented back to the group, one individual stated “the numbers were not meant to be presented that way”. So that means if the numbers were to support a rate increase it is used in the correct manner? but if it isn’t then the data was used incorrectly. Unbelievable!! I just don’t understand while other provinces/countries support motorcycling as a environmentally safer mode of transportation, Saskatchewan doesn’t even mention this as a positive point to even consider. I have never had an accident in 21 years of riding but now have to permit my bike instead of plating it. So as a result SGI no longer gains even close to the revenue they once did from me. They have created their own monster. Look at the data and see how much less money they receive since 2010 because we just don’t plate our bikes anymore. I sincerely hope you have actually read this letter and recommend to SGI that they must go back to the table and create a program which will penalize those who have a poor driving record and those that have to prove their ability to remain a safe rider. This should be a program that is fair to all riders and SGI. During this time in the world when we are all hurting financially, aside from SGI which is thriving, it is unbelievable that SGI is asking for more from us specifically. It is difficult to not feel we are being discriminated against. Because we have proven that we can make changes and why not work with us. The numbers are not accurate and we have shown that in our presentation. Being on a motorcycle bonds people together and improves mental health. Speak to anyone who rides and they will attest to that. It is coming to the point where we can no longer afford to do what we love to do any longer. This is the last ditch effort to save the industry, we just can’t withstand another increase. Please, I deplore all of you to vote against this rate increase and demand SGI worn for us, but against us and make a plan that makes sense and does not discriminate.

I am emailing you to say I am strongly opposed to the proposed rate hike for motorcycle riders.

"I am a mature, responsible rider who can not afford to keep my bike plated. As it is I only permit my bike when I am sure that I will be able to get out for a ride. If rates were prior to 2012 I would leave it plated and get out whenever I could. I feel that I am being penalized with higher rates because of those who are not responsible riders and that is not fair. A persons driving record should determine the rate you pay. At present motorcycle collisions and accidents are less than they were prior to 2010. I am asking for rates to be rolled back to where they were before 2012.

I am driving taxi for almost 20 years. Everything is gone up even 300% or tripled ,except our fare which at the beginning used start frm $3.5 and 10 years ago increased to $4 but besid that right now we have a big comparators UBER because of that it's impossible to increase our price. At the same time it's hard to find night driver because of that most of the operators don't have night driver and parking thier taxi in the garage night time.It means they're are not running 24 hours for that reason we were expecting that SGI will reduce our premium At the end please stop increasing our premium instead please be nice do the same thing as sask power give as a brake and discount or reduce our premium

I wanna put in a complaint about the prices of thing for motorcycle insurance I'm 63 years old. I've been riding a motorcycle since I was 17 and paying insurance I've never been had a claim or an accident and all and here is why am I being ... with ridiculously high insurance cos there's no reason for this none whatsoever charge someone said or at fault not the ones that have not been in any accident or claim at any claims at all. This is nothing but a blade and rip off by the SGI insurance company.

Just a quick note to remind you that motorcycle insurance claims are as low as they have been in 10 years and that although you have a monopoly on insurance still no one seams to buy your insurance most just run on permits. The only way to increase sales is to drop your rates. Please roll back the rates to a reasonable amount. Rob Peeler

Ok these rates you are opposing are ridiculous, i was a trainer when these courses first came out which was great, people taking these courses made a big difference. We know have less fatalities and accidents and you want us to pay more. Just because you didn’t do your job of managing this right gives you no right to penalize us. No reason why the rates can go back to 2010.

I would like to see our rates rolled back . I compare what I pay per year with my Alberta biking buddy . He pays $560 per year and I pay $2600 approx for the same motorcycle. With the population of Alberta bikers , versus Sask bikers , obviously there are more accidents in Alberta then Sask . The accident rate has dropped in both provinces. How can Sask entertain and increase ? I think it is just a money grab . I do get a slight reduction on my premium, but it is not enough to be competitive with Alberta rates . Please make the right call and reduce premiums for good driving . Thx

Writing to advise that I will not support any more price increases to motorcycle plates and in fact they should be reduced! I have had my motorcycle endorsement since I was 16, in 1976, and I have never cost the government a single cent in claims! Why do I have to subsidize all the poor riders? If you do not lower rates I’ll continue to plate my bike for the shortest, cheapest period and rely on my package policy for storage insurance.

"SGI has no one to blame but themselves for the situation they are in with motorcycle insurance shortfalls. When the majority of motorcycle accidents are caused by vehicles other than the motorcycles involved, it's time that drivers of 4-18 wheel vehicles start paying for their carelessness and inattention. To dump all the costs on motorcycle operators is unfair and just a money grab for a corporation that is making millions. It's time for the rate review panel to say "NO" to SGI's proposed motorcycle rate increase. It's time for the rate review panel to mandate that SGI address the true cause of motorcycle accidents (young drivers, impaired drivers, inattentive drivers, careless drivers) and hold them accountable. It's time for the rate review panel to tell SGI that insurance based on a bike's cc is an unfair way to tax motorcycle owners and has no bearing on whether or not that bike is a higher, or lower risk for an accident. Please tell SGI to go back to the motorcycle industry to determine a fair and equitable way to manage insurance coverage for motorcycles. Please reject SGI's proposed motorcycle rate increase. "

how can you raise the motorcycle costs when they are the lowest costs to the the insurance Co's since 2010, but yet give out rebates to the whole province in the same year. This is targeting of a specific group to which you think is a bunch of gold card Harley riders who have extra money. I dont even own a vehicle. I ride my bike for as many days of the year as my body can take, this includes getting groceries or hitting a drive through. it is my way of life. it is not luxury item. I dont expect you all to understand hell, I dont either but it's the way I live. it's what I love. and the costs are getting out of control. SGI isn't the only ones digging for gold, many of the parts I need to maintain and repair my bike have almost doubled in the past 5 years. have a great day, thanks for listening

"I hope and pray all of you make the right choice. we bikers are frustrated by SGI they keep laying the blame on us for the cost of insurance. but the fact is that most motorcycle accidents are not "at fault". Someone in there car or truck comes along and knocks us into the ditch or changes lane into us. I know allot of motorists are of the mindset that "well they should just drive cars like the rest of us" but the fact is that for many people, riding a motorcycle is one of the only places that we feel free anymore, it's like galloping through the fields on a wild stallion, accept you don't need all the accompanying cost and facilities that an animal requires. And on top of that, we have a community that is supportive and understanding. we bikers are frustrated because we look at other province's rates and see that many are much lower. and don't even get me started on how much less they pay for license and insurance in the states. I guess all I'm saying is, it would be nice if SGI would try allot harder to lower rates and lower their own cost, by trimming the fat inside the organization, instead of forcing higher a d higher rates on the minorities. Many of us Saskatchewan bikers just feel like SGI hates us and just wants to hike the rates till our way of life dies. "

The amount one has to pay for motorcycle coverage in this province is ridiculous. Please recommend a rate decrease.

Please stop SGI from overcharging safe motorcycle driver in stead of the bad drivers that are causing the accidents I have never had even one ticket on my bike in more than 40 years of riding why can't I affort to plate my bike for more than a month at a time why because SGI is making me pay for all the bad drivers out there please let I would love to hear what you think about this situation thank you

Recently I got my first motorcycle. I always thought of myself as a careful and respectful driver, have had an almost perfect driving record for the 30+ years I've been driving. But now feel I am being punished for the bad driving habits of everyone in Saskatchewan with the outrageous premiums I pay to do the thing that brings me joy. Of all the riders I know, they are some of the most courteous and aware drivers both on their bikes and in their vehicles you could ever meet. As we are painfully aware of the dangers that come with being on the road. So when you make your decision please think about what this does to me and my joy.

This is a joke! I can plate a lamborghini cheaper than my bike. Give your heads a shake sgi. Its time for reform in the worst way!

I am writing as a concerned motorcycle enthusiast. Increasing the rates for insurance on motorcycles to the astronomical amount will kill the hobby and culture . It's absolutely appalling that you would even consider this as a good idea. If this was come to pass I would love to get a movement in to bring in private insurances and kill SGI as the only insurance company as the dominant one. Maybe this needs to happen to destroy your dictatorship mentality.

"Regarding plate increases: I strongly disagree with the way you are progressing regarding increases to those who ride. I personally want to go on record as “strongly opposing” If you don’t want to be on the business of insurance I suggest you sell it and give us the opportunity of a free market and open pricing I’m tired of seeing rebate chqs being issued in one hand then upping rates on another group. Please reconsider this an irresponsible policy. "

It is my strong belief that SGI's proposed 10% rate increase for motorcycles is invalid. I strongly believe that signalling out such a small community of drivers and claiming that we do not pay our fair share is wrong. The last rate hike, as proven, caused a ripple in the balance of SGIs Motorcycle policyholders' willingness to insure for longer periods of time. Therefore, as we are a smart group of people, chose to only permit vehicles based on the weather. I am one of these individuals. It's simple math 4 x 8-day permits is cheaper than a 1-month plate. When you factor in the weeks of rain or weeks when you are away for work or holidays, that can be huge savings. I myself am in this situation. If the rates were reasonable I would ensure from April to November.

"There are many things Saskatchewan residents take for granted living here. The lack of congestion on the city roads and highways. The diversity of our provinces bigger cites and small towns. The culmination and variety of cultures and ethnicities that call our cities and small towns home. There’s a story to each and they all represent a great part of Saskatchewan’s unique culture. Now as motorcyclists we’re are being pressured and a bias is being held against us that is not appealing to continue to participate or in some cases, reside here. Many people say that Saskatchewan is a good place to be from, but those of us who have been born and raised here disagree. We have always enjoyed riding our motorcycles here. Some who grew up doing so on family farms. Others who chose to look for the freedom, convince and comradery of the motorcycle community later in life, but do so for many individual and unique reasons. All important and valued. Now with the increases placed against motorcyclists, and said community, by SGI, it’s being put at risk of forcing riders out of a lifestyle they embrace and in some cases as a reason to move away from a place that at one time cultivated and enriched that community by offering it affordability. These increases by SGI will not fill the void of it’s faulty justification to a rise in costs to plate and insure motorcycles. SGI is at fault of forcing some members of the motorcycle community to selectively permit and therefore decrease the number of seasonal and yearly insurable motorcycles by its residents. With more affordable insurance options motorcyclists and the community as a whole will respond by increased revenue from selecting to insure their motorcycles for an expanded duration instead of the permitted option. What is seen as recreation to some, is in actuality a culture and reason to live and thrive in Saskatchewan. Please see fit to work with the motorcycle community to alleviate the burden of unaffordable insurance to motorcyclists. "

"As a home grown Sask resident who has lived in Ab for a short time during my former 30 yr oilfield career I looked forward to moving home. That was until I made the transition back to plating and insuring my assets with SGI. More over the absolute treatment by the institute when transferring my personal licensing and the gross implementation of a graduated motorcycle license on a lifetime and 20 yr motorcycle license carrying tax payer. I'm not sure where you folks figure hard working Sask residents are gonna keep coming up with the money required to fit your upper echelons pocketbooks. Frankly I'm disgusted by the fact you people find a rate hike is prudent in n light of the last year's events. The decimation to the provinces economy and subsequent residents payroll is just another example of how " OUT OF TOUCH" your bosses and review board truly are. If you people are looking for support from your consumers I highly suggest you stop and pull your heads out your asses before you have no one plating vehicles. "

"I am a motorcycle enthusiast and rider. I feel justified in stating that motorcycle insurance rates in Saskatchewan are far higher than they should be. Rates should be set with more emphasis on the safe driving record of the operator and not a reflection of engine size etc. Engine size is not indicative of engine horsepower on these machines in many circumstance, therefore a person with many years of safe driving record should not be penalized on their choice of motorcycle. This is simply an opinion which I wish to make you aware of in your consideration of motorcycle rate increases / decreases. I live in Lloydminster , Saskatchewan and at this point I could save thousands of dollars per year on insurance by moving to Alberta. This simply needs correction. "

"I wonder how SGI owners and managers sleep at night. I guess they probably sleep very well because they all are making an insane amount for wages and the SGI coffers just keep growing and growing. I thought that SGI is supposed to be “for the people of Sask”. Doesn’t seem to be that way though. SGI doesn’t care about the people! It’s just a job to you! SGI doesn’t care … it’s all about the money! "

"I have been a member of Saskatchewan motorcycle community for over twenty years. I have purchased three motorcycles off the showroom floor, and own several others, many of which have been passed on from previous generations of Saskatchewan riders like myself. And for all the bikes I’ve owned and ridden in the past twenty years, I have never had an accident, I have never caused an accident, nor have I ever made a claim with SGI for any of my motorcycles. Despite these facts, SGI is suggesting that my motorcycle insurance rates must increase to offset the cost of fulfilling motorcycle insurance claims. Presently, SGI is charging me $226.92 per month for my 2020 Harley Davidson cruiser, which I bought new from Prairie Harley Davidson here in Regina this year. In comparison, SGI charges me $108 per month for my 2007 Toyota SUV. $108 per month is a reasonable amount, but to pay twice as much for one motorcycle is not. During your presentation on August 16th, one of the very first messages you shared was SGI’s “Auto Fund Mandate,” the first point of which states: “Universal, fair and affordable automobile insurance.” This proposed rate increase violates that mandate point on all three fronts. First, “universal” means that it applies to everyone. By segregating motorcycles into their own category independent of other vehicle types, the associated risk is also segregated. So even though as a motorcycle rider with a clean history who also licences and drives an SUV, I must pay an exorbitant insurance rate because the risk of motorcycles is only shared by a small pool of riders rather than a larger, generalized pool of drivers under this current segmentation model. The entire point of insurance is to balance and spread the risk “universally” in order to make the insurance affordable. This proposed rate increase in not universal. Second, motorcycle rates are not fair, both in terms of classification and in terms of price. To be fair, insurance rates should somewhat reflect the safety record of the driver, and although SGI has its “Safe Driver Recognition” program in place, the savings generated by this system are negligible to the point of irrelevance. The risk associated with riding cycles, and with any vehicle for that matter, must be spread out fairly. This means not restricting motorcycles together in an untenable group that must sustain itself, because by doing so, the rates are skyrocketing unfairly compared to the rates of other vehicles who really account for far more accidents than motorcycles do. Essentially, SGI is systematically discriminating against those of us who choose to ride motorcycles. Third, $226 per month is not affordable, especially for one such as I who has a clean record and not been in a single accident in 20 years. SGI often mentions their “Safe Driver Recognition” program which offers discount to those with good driving records; however, a quick run-through SGI’s Insurance Rate Calculator shows us that the difference between a 19 and a 25 safety rating amounts to savings of only $12.72 per month, which is less than 6%. The other option of which SGI is fond is the option to pay for “reduced no fault injury coverage;” however, as its name denotes, the rider will not be fully covered under this option and is receiving an inferior product. In addition to this, the fact that this reduced coverage is only offered to motorcycle riders and not automobile drivers reveals the systematic discrimination that we riders face. If these rates were affordable, then why would we need discounts? Why aren’t these discounts offered to car and truck drivers? The answer is because SGI recognized the fact that motorcycle insurance is not affordable, so they put this system in place to compensate. It is not working. You stated that SGI is currently sitting on a surplus, a surplus so large that they offered rebates to vehicle owners, yet SGI is also raising motorcycle insurance rates at the same time. This seems counter-intuitive to me. If SGI is sitting on so much money, why can they not use that money to offset the costs of other vehicles that are suffering under high insurance rates? Please deny this rate increase proposal. Motorcycling in Saskatchewan has a long and rich history. From the Nicholson Brothers to the local racers, mechanic shops, custom build shops, dealers, riders, etc., we are a very diverse group of people that reflect the diversity of this growing province, and by discriminating against us, you’re discriminating against Saskatchewan. "

I am appalled by the proposed 10% rate hike to motorcycles. The decision as to what your insurance rate is should only be based on your personal driving record, I should not be penalized for someone else's bad driving history. If you are a bad driver continuously getting infractions such as accidents causing injury death you should be penalized based on your driving history and pay accordingly for it to the point of losing you're driving privileges. The same applies to those who have a good driving record and are of low to no risk, these drivers should be rewarded with low insurance rates, they should not have to pay for bad drivers who continually have infractions. The Rate Review Panel must deny this proposed rate increase to Motorcycles..!!

You must deny SGI's proposed 10% rate increase for motorcycles. Insurance should be based on if a rider is high/low risk. The way the rates are at now is too high already. This discourages and disables potential new riders from experiencing riding.

"I drive cabs for last 15 years.2 years ago u brought uber to the city now we have so many cabs sitting idle..more premiums means its gonna effect the lease and owner operator again… Do u guys even consider cab companies how they work and how they are surviving and stuff. I wonder who ever takes this decisions specially not even considering that (we came from worst year in cabs during covid last year) is beyond my imagination. Please have some common courtesy and delay or not increasing your premiums at all. "

"I am driving cab for number of years.please reconsider of increasing premiums for taxis as we already suffering from ride share services like uber who already took our half of the business.. So please reconsider your decision. Its good to live in a city like regina and don't give us reason to leave sask. "

"Here are the few reasons why we strongly believe that it isn’t in favour of Our clients and our company. 1. If the cost of the premium goes up, the cost to operate a Taxi goes up and simply put the burden is all on the business and the customer who will be paying for the ride at the end of the day. 2. We have all been hit hard with this Pandemic (Covid-19). It has impacted our client share as there are less customers because of work@home system. The cost to operate Taxi continued to go up due to limits added by government on on the number of clients we could have in one cab. This discouraged even more of our clients from choosing the cab service and instead they selected other ride sharing methods to commute( because they could share). We saw decrease in factor of 15-20k trips per month and that hit us hard economically. We have trying our level best to keep up the motivation but this is simply making it harder for us to recover out of the financial gap. 3. Last but not the least if SGI feels that the number of collisions are increasing hence the cost should increase for taxis then we believe that SGI should review data deeply as there are even more collisions when people do Skip, Uber eats and other time sensitive deliveries etc. Of course we don’t have the analytics to prove it but you folks are the hub of data collection in that regards To conclude, We think the steps that SGI has decided to take doesn’t make sense at all. Other crown corporations such as SaskPower provided relief discounts to motivate and boost economy but SGI is going in opposite direction. Instead of increasing the premium, SGI should lower the cost like they did to personal customers. "

I am outraged of the current rate to ensure a motorcycle Fully As it stands I have to pay $300 a month To ensure my motorcycle This is Ludacris And the thought of it going up Upsets me greatly My previous motorcycle cost me a $150 a month To ensure fully I recently purchased a brand new 2021 Harley Davidson Of roughly the same displacement as my old one It has The newest safety features available but yet it is double the cost By your bizarre algorithm To assign the cost of insurance to motorcycles this is causing many people to ride older and less safe motorcycles

I am writing to express my concern and disapproval of you proposed rate hike for motorcycle insurance. Saskatchewan currently has some of the highest motorcycle insurance rates in the country. Insurance payments annually often exceed the value of the motorcycle being insured. It has crippled the powersports industry and really reduced the number of new riders. It is making motorcycles something only the wealthy can afford. The current rates have led many long time riders with good driving records to be forced to only permit their bikes occasionally, or be able to use them for a month per year. It has led many irresponsible riders to ride without insurance which is a liability to all. If the argument of SGI’s cost to insure motorcycles is to be used, then perhaps SGI should look to Alberta and its private insurers who are able to offer good coverage at a fraction of the cost. Perhaps the value of SGI’s monopoly has run its course and the Saskatchewan Government should look into privatize the insurance industry in Saskatchewan. It is unfair to the people of Saskatchewan to be forced into coverage from a single insurer monopoly and be forced to pay whatever it asks when there is a private sector that could offer its services for a greatly reduced cost.

It is absolutely inappropriate for SGI to increase ANY insurance rates, let alone the rate on Motorcycles. Monthly Insurance should not cost the same as the Monthly payment for the vehicle itself and SGI is approaching that amount. Also, it is incredibly inconsiderate of the CEO to be making over 5 times the Provincial Annual Income, and then facilitate a Rate Hike on one of the smaller demographic of Insurance holders, being Motorcycle owners. I am NOT in favour of this Rate Hike Proposal at all, and would suggest a 10 year freeze on SGI Corporate Salary's.

I am writing in regards to the increase in motorcycle insurance. I feel this is unfair. Most accidents are caused by the operator of the car or truck by not paying attention to the road. I have been riding for 44 years. By myself paying attention to what is happening around me I have not had an accident. Hoping now that I haven’t jinxed myself by making that statement. Increasing the rates for motorcycles is punishing the victim for the crime.

To whom this may concern the proposed rate increase is ludicrous the common working man can barely afford the price of insurance right now and in some cases are paying more than the bike payment itself but being punished for the riding behaviour of some riders is not right it should be based on your driving record and history you have speeding dui any infractions then your insurance should be higher but it’s to high right now if your driving record is clean than have a normal rate have a three strike rule 3 bike related incidents including speeding and stunting then bring rate back up to where it is now

As a motorcycle owner in Saskatchewan I believe the current rates for motorcycle insurance are already unnecessarily excessive and do not need to be raised any further. The vehicle insurance in Saskatchewan has been something that set us apart from provinces with private insurance and at the current rates we are better off going private.

"My wife and I own two motorbikes. Both 750 Cc so not large bikes. Another 10% increase is pricing us out of the market. I understand the need to be conservative but this is getting crazy. I do not support this.

"I want to voice my concern about the unfair system SGI used to assess this insurance. We all know that is is not the motorcycle who cause over 80% of these accidents, but the other driver, usually a car. The proposed increase of yet another 10% is ludicrous. This is an area where SGI has increased way out of range and because enough people didn’t respond, they think it is a license to print money for yet another crown corporation. If SGI is hurting so bad that they need another crazy increase, why did they feel so guilty this year, that they sent rebate cheques out? Please count this email as a 100% denial or nor, to yet another unfounded rate increase. If Charlie Clarke could justify to the public that he needed to spend 100’s of thousands of dollars on bike lanes for less than a dozen riders who said they bicycled year round, I think SGI can find the money they ‘don’t’ need, somewhere else.

I recently heard about an increase in motorcycle insurance and would like to voice my concern about this. I, also recently, took my motorcycle course and got my learners and I am very excited to ride my bike. When I went to the broker to license my motorcycle, it seemed to me the price for only one month of riding was already quite high. I guess I'm just saying the cost is fairly high already and with two other vehicles and a work trailer registered, the costs add up.

"I strongly disagree with the way you are heading regarding increases to those who ride. I personally want to go on record as “strongly opposing” If you don’t want to be on the business of insurance I suggest you sell it and give us the opportunity of a free market I’m tired of seeing rebate chqs being issued in one hand then jacking up rates on another group. Please reconsider this uncalled for, irresponsible policy you are pursuing "

Motorcycle rates in Saskatchewan are currently to high it is almost impossible to plate my bike early. The rate review board should consider reducing rates for motorcycle in Saskatchewan. If SGI keep increasing rates then I would say it’s high time to privatize motorcycle insurance in this Province

"I believe as an active motorcyclist the prices to insure my motorcycle is already too high. I am NOT I favor of the prices going up anymore. Soon guys will be running just permits and then you will have a whole new problem of people removing there license plates and not being able to send them a red light camera ticket (that's one minor inconvenience). Or others will just ride without insurance because they can't afford it but still love riding there motorcycle. PLEASE take a step back and look at all the unhappy SGI customers your going to have. I hope you realize the impact this will have on the motorcycle community and change your minds. Thank you."

And further rate increase is simply unacceptable I want to be charged a rate that reflects my exemplary driving record! The ones that are a danger on the road and I'd also like to point out that Sgi passed them for their licences in the first place. Those riders should be paying the big rates and having limits imposed on them like back to novice or even learner status. Further more when a car or truck driver hits a bike and it's their fault that should obviously be charged to the auto fund only including any medical expences incurred also wht should the positive good driver points stop at 24 or 25? If I continue to be a good driver?

I believed SGI needs to go back to the table and add in the revenue from motorcycle permits to reflect accurate financial reporting.

"I do not agree with the 10.6% rate hike SGI is proposing for motorcycles. SGI reports record investment revenue that should be given back to insurers through motorcycle insurance. "

"As a resident of the Great province of Saskatchewan I am completely opposed to any insurance rate hikes. Motocycle insurance is already expensive and a further rate hike will render some people unable to pay for this expensive coverage. This would mean that you would not gain a little, but lose much more. Please reconsider and change your plans for any motorcycle insurance rate hike for the 2020-2021-2022 riding seasons. "

"PLEASE DENY SGI's PROPOSED 10% RATE INCREASE for Motorcycles. Vehicle Class is an arbitrary segmentation and nothing more..!! It’s as arbitrary and punishing licensed drivers for registering a truck as opposed to a car. How fair is that? What should decide your Insurance Rate is your PERSONAL RISK PROFILE, an INDIVIDUAL'S DRIVER HISTORY..!!! The amount of wheels a driver rides/drives on should be inconsequential. If it is not proven that motorcycles deemed at fault for the majority of motorcycle involved claims then the rate increase is discriminatory and should be DENIED!! If you are deemed "High Risk" eg. driving infractions, accidents, injury, death....you need to be penalized appropriately and be required to pay the High-Risk penalties or lose your driving privileges independent of the classification of the vehicles that are licensed in your name. If you are a No/Low-Risk Driver your Insurance Rate should be very LOW and reflect your Low-Risk Status..!!! Drivers whose Driving Record indicates they are Low-Risk drivers must NOT be Penalized and Forced (as we are today) to SUBSIDIZE and ENABLE High-Risk Drivers Behaviour...!! Motorcycle registrants are being made to cover the premiums of the higher cost claims independent of at fault assignment and is UNFAIR AND WRONG!!!The RATE REVIEW PANEL MUST DENY SGI's Proposed Motorcycle Rate Increase..!! "

"I am writing this email in regard to the proposed rate increases for motorcycles. I have looked at the charts SGI makes available online and it shows the number or accidents motorcycles are in as well as how many fatalities. The chart - going from 2003 to 2019 shows a decline in accidents as well as a decline in registrations. Is it SGI’s goal to make it so unaffordable that people no longer ride motorcycles? That seems discriminatory. If the number of accidents has gone down, then why an increase in costs to the person riding a motorcycle? I would also like to know, with these accidents reported, how many of them were at the fault of the motorcycle driver? It seems very unfair and discriminatory to punish a set group if it’s not deserving. Perhaps more transparency is needed. First we get rebates but then we get punished. Thank you for taking the time to read through this. "

"Please deny SGI’s proposed rate increase for motorcycles. This 10% proposed increase is unfair for drivers such as myself with a clean history, the driving record of an individual should decide his/hers insurance rates. If you are a high risk driver with a poor history you should be high risk and penalized or subject to losing your driving privileges. Low risk drivers with a clean history should have low rates to reflect that history and not penalized to subsidize high risk drivers. I have been riding a motorcycle since I was a young child and it has been a passion of mine for 35years, 28 of those years I have had a drivers license and have paid the insurance without question and if the rates were justifiable I would keep plates on my bike year round like I did years ago. The rates right now are already to high to justify keeping plates on the bike year round and near impossible for some people even to afford to plate a bike for a month, SGI wants an increase of 10% ! That’s insane. The rate review panel must deny SGI’s proposed motorcycle rate increase! "

There should be No rate increases. There should be rate decreases across the board. SGI are making large profits at the cost of the rate payers and the government is using the profits as a form of taxation. This is not what public insurance was made for. It was to supply the customers with low priced insurance. SGi is putting to much in Reserve and still want to make us pay more. If they need more profit witch they don’t they should look at cost reduction in operations. They are the only auto salvage company I know of that have security people hired. This is just one of many inefficiency’s in their operations. You should recommend they reduce there premiums buy at least 10% and find the money from the mismanagement of their operations. Also stop giving the premiums they over charge us to the government. This is just a hidden tax and should not be allowed. It is time you people take a stand and do the right thing for the people. This has gone away to far and it is time it becomes a public issue if things don’t get straightened out now.

"Unbelievable, unjustifiable and totally unfair. Why is the current model failing? SGI rate increase and motorcycle insurance structure is based on faulty conclusions and economics. Segmenting motorcycles into their own class may haver been the right move a long time ago but given the majority of accidents are the responsibility of the other party it should not be a segmented pool! Very arbitrary and totally unfair. Driver’s history alone should determine their insurance rate. No risk and low risk operators insurance rates should be very low. Operators must not be penalized or forced, as per the current model, to subsidize and enable high risk drivers with bad behaviour/attitude. That’s just silly and unfair! Higher risk operators accidents, infractions need to be penalized financially and punitively. The economic of the problem is the current logic and high current rates. Almost none of us can “afford” to register their motorcycle in Saskatchewan for more than a few months at a time or even, in some cases, just a few days or a week. Accidents and fatalities are way down. There is no justification in those statistics. My conclusions: Raising rates will make this a worse problem. Low risk and no risk operators rates should be extremely low. Segmenting motorcycles from the pool of other vehicles is unjustifiable especially when the numbers say the majority of motorcycle accidents are caused by other vehicles. If the SGI motorcycle pool is failing eliminate segmentation or allow owners to obtain 3rd party insurance.

I just wanted to take a few minutes today to provide some feedback regarding the proposed rate hike for the motorcycle class in Saskatchewan. I really don't have any numbers or statistics to give to you but would rather address this rate increase in terms of a customer. I've been riding for about the last 10 years and in that time I have never plated my bike for an entire season. I have also gone out of my way to buy occasional permits for day rides to avoid the steep costs of insurance. The continued rate increases of years gone by and now with another one looming are just going to keep reducing the motorcycle customer until there are little or no customers left. It would be nice to see SGI come up with a different solution to plating these types of vehicles. Maybe something more along the lines about how insurance is done in Alberta where the driver is the one that carries the insurance instead of the vehicle. In short, I am strongly opposed to another rate increase. SGI has had over 10 years to get on the ball and make changes to this program and come up with an affordable solution for it's customers. All they have managed to do is alienate this vehicle class and push people to just stop riding entirely.

I think the rates are too high right now. We should not be forced inti some of the highest motorcycle rates in Canada. If you continue to increase rates I will just get permits or get a relative in another province to insure my bike.

DENY SGI's PROPOSED 10% RATE INCREASE for Motorcycles Vehicle Class is an arbitrary segmentation, nothing more..!! What should decide your Insurance Rate is your PERSONAL RISK PROFILE, an INDIVIDUAL'S DRIVER HISTORY..!!! If you are deemed "High Risk" eg. driving infractions, accidents, injury, death....you need to be penalized appropriately and be required to pay the High-Risk penalties or lose your driving privileges. If you are a No/Low-Risk Driver your Insurance Rate should be very LOW and reflect your Low-Risk Status..!!! Drivers whose Driving Record indicates they are Low-Risk drivers must NOT be Penalized and Forced (as we are today) to SUBSIDIZE and ENABLE High-Risk Drivers Behaviour...!! The RATE REVIEW PANEL MUST DENY SGI's Proposed Motorcycle Rate Increase..!!

"I am sending this letter to voice my disagreement with SGI’s proposed rate increase. It is already expensive to license our bikes, and this rate increase is just taking more money for our budget that could be used in more useful ways. Please accept this letter as a formal disagreement, and disapproval, of the proposed increase. ""I am sending this letter to voice my disagreement with SGI’s proposed rate increase. It is already expensive to license our bikes, and this rate increase is just taking more money for our budget that could be used in more useful ways. Please accept this letter as a formal disagreement, and disapproval, of the proposed increase.

I would just like to say that I can't belive you guys would raise the rates again on motorcycle insurance. To be perfectly honest I feel like you guys just hate motorcyclists. To raise the rates another 10% is absolutely ridiculous! You guys should never have raised it last time. Isn't the point of having an insurance company, that everyone pays in so that it can stay cheaper for everyone? You guys should be lowering the rate on bikes to equal the rates of cars. Not impressed at all. If you guys can't make rates fair, then you should change to the same system as Alberta.

I disagree with the sgi rate increase of 10%. The reason I disagree with this is because our motorcycle rates are already really high and makes it almost impossible to ride as it costs so much to plate my motorcycle. People with a bad driving record with there motorcycle and don't were the proper gear should pay more than the ones who were proper gear and have a good driving record. The rate review board must deny the sgi increase on motorcycles.

"I am against a rate increase for motorcycle insurance. SGI rates for motorcycle insurance is already to high.

"This abuse of SGI raising the rates is an extortion. The rates that people are to pay for other vehicles has always been based on that individual’s driving history to determine whether they pose a higher or lower risk when on the roads, but somehow motorcycles are put into another category- segregated as a whole rather than individuals when it comes to risk level. Riding a motorcycle requires not only the greatest awareness of your surroundings, but also the use of each limb to operate it. There is no opportunity for a motorcyclist to drink a cup of coffee, tune into another radio station, eat from a bag of food from the drive thru or any other distraction that for wheel vehicle does on a daily basis. The focus is kept on the operation of the vehicle and the situation surrounding them. There may be a lower level of protection offered by the vehicle, but that is balanced by attention necessary to operate it- riders are concerned about all the vehicles on the road rather than just the one they are responsible for. In all my years of riding- I have not heard of two motorcycles crashing through intersections as I have cars cutting off a motorcycle through it because they weren’t paying attention at a four-way stop. The percentage of car versus motorcycle accidents must be exponentially higher? Punishing everyone that rides a motorcycle for the higher risk of the few that should see the higher rates is discriminating against anyone who owns a bike… profiling the individual under a stereotype and enforcing different rules upon that group more than any other group. I understand that driving is a privilege and that in order to continue riding a motorcycle I would need to maintain a safe and clean driving abstract otherwise my rates would go up. Even though I have maintained a low level of risk, I am made to pay higher rates because a small percentage of riders have higher risk. The Rate Review Board must see that motorcyclists have been already unfairly hit with rate hikes. It must be clear that the entire group of riders is being unfairly punished for a small portion that should see their rates go up. Like all other vehicles, motorcycle rates should be based on individual performance and safety records. The board must deny SGI piling on yet another rate hike. This will lead to more people using short term permits over plating motorcycles fully and perpetuate the overall problem further. Higher rates are not the solution. Thank you."

I am writing to raise my concerns with the additional increase to the motorcycle insurance and permit fees. The rates currently are almost unaffordable for people to insure their bikes. A further hike will most definitely cause more people to completely get out of riding, thereby lowering the amount of money being brought into the fund. I currently only permit my bike when needed because of the cost, if it was more affordable I would plate for the entire year, as would more riders thereby increasing your intake of funds. Please reconsider your proposed hike as it seems as though you are targeting one group of people, to help the entire province. This fund is for everyone in the province.

"I am writing this letter to urge the rate review committee to decline Sgi’s proposal to increase motorcycle insurance. Sgi needs to quit harassing motorcycle enthusiasts on paying high insurance premiums and punishing the riders who take pride in being safety conscious and start punishing riders who don’t take there safety and others by riding wreckless and disobeying the law. Sgi needs to look at changing the way they evaluate insurance premiums rather then going by the size of an engine of a motorcycle and look at a fair evaluation of riders experience and value of motorcycle. For example I have been riding a 2005 Yamaha road star 1700 cc that was purchased from sgi 6 years ago with a value of 2400$$ and recently this spring purchased a 2009 Harley Davidson touring bike with 1450cc with a value of 16000$$ and with a driving record of 30 years experience riding and one accident with wild Life that happened in my early 20’s. And regardless have been paying the same amount of insurance premiums, comparing the two motorcycles. I am also a truck driver with 25 years experience on the road and therefore don’t ride all week but still insure my bike from spring to late fall. Which in results to high insurance premiums also run a antique motorcycle, which more people are starting to do in a result to high motorcycle premiums on regular bikes. I am aware that accidents of any magnitude are possible to be found dangerous and non profitable but sgi has punished majority of safe riders that have continued riding for the love of being a motorcycle enthusiast and most of the in-experienced and young riders have given up on the hobby due to the cost increase of training courses required and high insurance rates. And where as a high percentage of motorcycle accidents are due to the negligence of other drivers and not motorcycle riders. Being a motorcycle enthusiast for over 30yrs and a member of the Regina motorcycle association inc. (rmai) for the past 15 years, I have been a witness to see the role that we have provided within in our community when it comes to organization such as bikers against child abuse(baca) the Christian riders as well as Rmai’s contributions to the salivation army with money, food and toy donations that we collect during our toy run in September not to mention numerous other donation that are made through non profit organization as riders are very well known for the generosity within the community to assist in helping to grow. Amongst all of the good we as riders are doing we have also seen a decline in new and upcoming riders due to the rate increases and stiff restrictions on acquiring a license and motorcycle. I once again urge the review board to decline the sgi proposal to increase motorcycle rates and to reevaluate the formula to which these motorcycle rates are evaluated and that the experience of the rider and driving experience to be the most effective way to formulate proper insurance rates in which it would fair to insure a motorcycle for more of a reasonable amount of time. Thank you for your time and don’t be the result to the lose of many more motorcycle enthusiast within our community which plays a huge role amongst it."

Heaven forbid that they could suggest lowering motorcycle rates to get more bikes plated and put more money back into the bike portion of the auto fund

76$/8 day permit is an insane increase!!!! The rise in rates and permits will cause less people to ride, and therefore lower the amount of accidents; then this prick will claim the increase in rates is what balanced the paid out claim amount. I wonder if SGI will subsidize motorcycle dealerships for the drop in sales?

Why is the SGI penalty for vehicular manslaughter $2500, but it’s $4000 per year to plate a sport bike.

As riders with plus merits are in the same basket as new riders. It’s not the motorcycle CC’s or size it’s the primary person riding. Example would be like a 16 year old getting his learners for vehicle and his parents buy him a brand new muscle car v8 compared to the same age child getting a license driving a old rusted 4 cyl car. Who’s more at risk of accidents??? Should not be TREATED the same. There are lots of different motorcycle groups that are out there that help our communities and we all do this for the enjoyment of riding also known as “wind therapy “! Go back to 2012 when insurance was at its best! Wake up SGI. Thank you

Reduce monthly premium for motorcycles which will then result in higher volume of people "plating" their motorcycle year round rather than only permitting their bike temporarily to try and save money...its a win win situation. SGI collects more money overtime and riders keep their motorcycles registered and insured year round.

The motorcycle graph representing engine cc size with claim payments - Some additional data showing statistical analysis of rider percentage of each category would be beneficial. 1000cc engines likely account for the majority motorcycles on the road and therefore your graph is likely skewed.

"I will keep this simple. I have owned and ridden motorcycles for almost 40 years. I have plated and insured them in Oregon, Washington and Saskatchewan. I have friends living all over the world with this same common interest who I have discussed motorcycle rates with. Saskaatchewan rates are shockingly higher than anywhere else I have any knowledge of. My rates in Oregon and Washington were close to the same as each other. I have always had bikes classified as sport bikes. I rode year round while living in those states and had my bikes registered and insured year round. I have always been a believer in adequate and not minimum coverage. My coverage in Oregon and Washington were always $1,000,000 and carried low deductible comp and collision insurance. My recall is that I was paying about $400 per year. I have a friend in Washingtom state which carries low limit coverage. $200,000 Liab and no physical coverage. He pays $189 per year for two bikes , both classified sport. I have a couple of friends in Alberta who both own multiple bikes. One tells me that they are paying less for 5 motorcycles than I am for one. Honestly I think he exaggerated but Point is taken. I think that I have to say that there is a problem here which can only be accounted to an error. Someone is handling or interpreting data incorrectly. You cannot continue leaning on that the rate levels are required because of loss ratio. It is sheer nonsense. Stop! Find and admit to the error and correct the problem. You personally are not paying the price, all of us enthusiasts are. I know that the RAGE group is being incredibly supportive of a positive approach to limit and reduce risk. I have to agree that the approach is with merit. I also see something way more basic because none of the other places I have mentioned are going to any great measures to educate and train riders on safety. Somehow basic math got turned into theoretical physics.

It has come to my attention the annual rates for motorcycle insurance is once again going up. How does SGI justify this increase? For myself this increase pushes the boundary of what I can afford. Next season I will have to either permit by the week or sell my motorcycle, after riding for 40 years this is a sad day. When I look at insurance in Alberta I see it is a fraction of what SGI charges before the increase. Is it time insurance should be privatized? I have a stellar driving record and feel I am being punished for choosing to live and ride in Saskatchewan . Thank you for your time

I know for a FACT that SGI pays out ENORMOUS amounts of money every two weeks for injury awards. Do you realize that the recipients get sooooo much money that they can’t possibly even spend all the money. Without telling you my profession, I have knowledge of at least a dozen people who get so much money that their savings are increasing to insane amounts. One in particular has well over a million already. There is no way that person will be able to spend her “income” in her lifetime and so who is gonna get all the money …. her family will … that’s who! And this person spends a ton of money and gives a ton of money to her family …. SGI is just paying out sooooo much money to her and the savings just keeps on growing! SGI clearly has no idea how to calculate benefits nor fees!!!!! What you are doing to motorcyclists and taxi drivers is just plain WRONG! DON’T DO THIS PLEASE!

"SGI has through their own mismanagement priced themselves out of the Motorcycle market. It should not be up to safe riders to subsidize those with high risk behavior. This has to end. Please do the right thing and deny this idiotic rate hike. "

"I am emailing you trying to voice my opinion on the 10% hike SGI is proposing. This is ludicrous as probably 95% of all bikers have a clean record of vehicular driving and should not be punished for others actions. It's no different then vehicle records. If anything let it be lowered as it is all ready over priced. Please let our voice be heard!!"

Please deny the proposed increase to motorcycle rates! And please tie costs to driver records! Safe drivers should not be penalized and have to pay crazy rates to ride motorcycles! As mentioned by RAGE in their presentation, it is becoming unaffordable! My husband and I have already went from two bikes to riding double on one just because of licensing costs. Crazy!!

The cost. Of my bike plates is so far over it’s unacceptable to plate. It get older and worth less every year. And you charge more   Makes no sense   It has to stop

These days the the average person can’t afford to own or even plate their motorcycle. I personally own two road bikes and two dirt. I’ve barely played the road bikes because of the cost, I mixed well sell them. Your rates are killing the enjoyable sport that many people love.

Good morning: I would like to address the proposed rate increases for motorcycle insurance.It would seem to me that nobody wants to purchase your products even though you have the monopoly on the market!!! I used to insure a motorcycle for 6 months of the year and a second bike for 3 months of the year. Now I insurance one bike for approximately 3 months a year and make up any other riding I might do with permits. If you truly want to make up the shortfalls in revenue you should rollback rates so that riders can actually afford to insure their bikes rather than just use permits to get by.

It appears Saskatchewan motorcycle rides will be hit with increases again.  This is getting ridiculous.  I applauded Saskatchewan for introducing the graduated motorcycle license, however,  the insurance rates are out of control!!!! Absolutely no more increases!!!!

I have gone from plating my motorcycle to permits as the pricing has skyrocketed out of control. Because of the cost no one wants your product which is sad as the name is Saskatchewan Government Insurance people owned??? Not anymore, how frustrating and so one sided …yours !!

Good day, I am writing today to voice my opinion on the motorcycle rate increases by SGI. The recent proposed increase on motorcycle rates is ridiculous, to put it politely.  I am a motorcycle enthusiast, and I own several street legal motorcycles.  I used to fully insure several bikes year round.  After the last rate increase several years ago, I stopped insuring most of my bikes because they don’t all get ridden as often as I would like.   The cost to insure my sport motorcycle has increased to such insane levels, that a few years worth of insurance exceeds the value of the bike.  I chose to insure my antiques and sub 400cc bikes to get away from the high costs of insuring my bikes.  I even sold some, and bought another sub 400cc dual sport bike to keep costs down.  Now rates are being raised again, and I have chosen not to ride or insure any bikes this year at all.  Why should I pay into such high rates when I am among the safest drivers in the province?  I’ve never had a claim on a motorcycle, and my discount is at 20%, yet I still find the rates to be robbery.    Your riding rates are driving motorcycle riders away from insuring bikes at all.  Many people are operating on only permits, as the rates are too high.   How can this be necessary when there was just such a massive surplus given back to people in Saskatchewan?   Your system is severely flawed.  Any accident involving a motorcycle draws its funds from the motorcycle pool even if the motorcycle rider is not at fault.  This is wrong, in my opinion.  Vehicle class is an arbitrary division at best, and unfair to motorcyclists as a group, especially when there is a surplus in the whole pool.  Sgi is making money, but is sticking it to bikers.   It seems to me that SGI wants to drive motorcyclists away from insuring their bikes, and they are doing a great job at it.  I am proof that people are fed up with the motorcycle rates as my garage full of motorcycles sits unused due to the ridiculous cost of insurance.  Riders should be paying a rate according to their driving record and experience level.  Low risk, highly experienced riders such as myself should not be paying as high of rates as dangerous, inexperienced riders. The motor pool funds should all be together and drawn from accordingly, not unfairly to motorcyclists.   I am fed up with sgi when it comes to motorcycle rates, and my small fleet of bikes will remain parked or I will get them insured in another province. Your system is flawed, and I won’t put up with it any more.    

Just want to provide my feedback for the rates as I think it is substantially high for those that have great driving records. There has to be a fair way to calculate rates based on performance rather than set for all. Those that have constant infractions should be penalized, not the entire biking community.

If it's applied across the board it's nothing but a cash grab. Please determine rates based on individual driver history and risk profile. To do otherwise is theft from honest good drivers.

Dear Rate Review Panel, Please do not allow SGI to have a 10% rate increase on us motorcycle owners.  We already pay way too much as it is. I have ridden many different styles of bikes including one of the safest bikes on the market, the Can Am Spyder (rates were based on engine size which does not determine risk).  I have a clean driving record with a 20% discount.  I should not be penalized just because I drive a motorcycle.  I drive many vehicles including motorcycles and I am safe with all of them. It should be the individual's driving history that determines rates not what class of vehicle they drive. I am not a high risk driver just because I drive a motorcycle - I am in fact a low risk driver with the maximum discount allowed by SGI.  Why should I pay higher rates on my motorcycle because some people are idiots?  Some people that drive 4 wheeled vehicles are idiots also.  These idiots are the ones who should be paying higher rates. Please take these comments into consideration when making your decision.  Don't allow SGI to penalize those of us good motorcycle drivers for the idiots out there. Thank you for reading!

To whom it may concern, It is with great frustration that I am sending this email. I have been disappointed with the rates for motorcycle insurance since before I even started riding myself.  My husband has had a license (M indorsement) for decades.  He bought a new bike in 2008 after our kids started getting a little bit older. I started riding a motorcycle in 2013, wrote my learners test, took the motorcycle safety course (not required at the time) and proceeded to get my license.  Since that time we (my husband and I) have taken a trip every year somewhere, and in the first years I rode my bike to work daily, therefor my bike was plated for the season.  Those days are gone. We also camp and can't warrant keeping plates on the bikes with busy lives and unknown weather.  It is just too much, $400/month for 2 bikes??? RIDICULOUS and this before another talked of increase. I have put on about 60,000KM since I started riding, and prior to 2013 had no riding experience, not even dirt bikes. My point would be, start charging the people with poor driving records and quit punishing motorcycle riders. In the years I have been riding, I ride cautiously, I am never worried about other bikes, but daily I watch people driving while on cell phones, and I have been cut off by people driving vehicles (not motorcyles) far too many times. Motorcycles and their riders, do not cause most accidents! I already know people that have sold bikes with no intention of replacing and I also know people that are attempting to sell due to excessive insurance fees in Saskatchewan.  It should not be a surprise that there is difficulty for people to sell, as many realize the affordability of insurance is gone.  I am not saying it needs to be cheap, most of us don't expect something for nothing, but the profits of SGI publicly announced are disgusting. It is time for SGI to fix what is going on. If the permits are put out of reach you will just drive people away either from owning motorcycles, or they will just leave the province. Very disappointed at this money grab that is going on in this province.

It's time to single out those who are repeat  accident - claim  drivers… Make them pay more, not the good drivers. I know for some of them, it may become to expensive to drive, but then, maybe they shouldn't be on the road if they are that poor of a driver...

Dear Panel Members: Re:  Motorcycle Insurance Rate Review As noted, I am writing with regard to the proposed rate changes for plating/insuring motorcycles in our province. I would like to provide you with some of my background:  I practiced as a licensed Physiotherapist from 1980 to 2015.  During that time, I worked extensively with SGI customers, both under the old Tort system, and for many years under No Fault.  I also served for many years on negotiation committees representing Private Practice Physiotherapy and the Physiotherapy profession more generally. I also served on our Third Party Payers Committee, discussing broader professional issues with different insurers.  In these roles I sat across the table from many fine SGI representatives over the years, not only advocating for my profession, but listening to the concerns and issues of our funders.  That being the case, I believe I was able to gain a great deal of insight into the SGI perspective on their responsibilities to their customers, both as subgroups and as a body at large.  I also want to make it clear that I am not an opponent of the functional rehabilitation model that SGI has followed for the past 25 years.  In fact, I was one of the WCB Early Intervention Task Force members in 1995/96 that created the basic assessment and rehabilitation model that became WCB’s Early Intervention framework, and which SGI’s system was subsequently based on.  Following that, my clinic provided Secondary level care for both SGI and WCB beneficiaries, and Tertiary care for WCB, from the beginning of the Early Intervention Programs in the mid-90’s up to the present day. All of that is by way of saying that I have the benefit of 40 years experience in this field, and that when provided the choice, I have always chosen No Fault coverage over Tort, and have always recommended the same to anyone who has asked my advice. I have seen and treated the result of hundreds, if not thousands of MVA’s over that time, most certainly including many motorcycle accidents, and billed many thousands of dollars to SGI as a result, so I understand the financial side of the insurance equation very well. However, during that 40 years, I have also been a motorcyclist myself, and have owned and ridden a series of bikes over that time.  I am an active motorcyclist today, and so I also understand the other side of this coin, the perspective of your customers who own and ride these machines. I’m sure you have heard, and will hear, from many who will make the perfectly valid arguments that the current rates, never mind those now proposed, are discriminatory and based on the arbitrary division of insurance classes based on the machine driven/ridden instead of the individual driver/rider’s actual claims experience and risk profile as an operator.  I would repeat and reinforce that argument; it makes no sense that it is significantly more expensive for a rider with a sterling safety record, with the maximum safe driver discounts possible, will still pay significantly more to insure a cruiser type motorcycle than they would to plate a $40,000 Corvette Z06 with 505 hp, capable of over 200 mph.  This is not a random example; that was my own exact situation in 2014.  Never mind what the price differential would have been had my bike been classified as a “Sports” bike.  Going deeper, a driver with a terrible record, with a demonstrated history of bad behaviour, infractions, and at-fault accidents, would still have paid less to plate that Corvette than I had to pay for my bike.  That is truly where the logic of the current system breaks down.Beyond the general safety profile of the individual operators, however, there lies a deeper, structural issue, and that is the influence of No Fault injury coverage as compared to Tort.  As stated earlier, my own choice has always been No Fault, and it is the path I have always recommended to others as well.  Having said that, the No Fault system does have a glaring weakness when looking specifically at motorcycles.  First, most serious injuries to motorcyclists occur in collisions between motorcycles and cars/trucks. Most jurisdictions will confirm that in a majority of cases, the fault lies with the operator of the other vehicle, whether because they don’t see the bike, or in some (too many) instances, which many of us have experienced, because they simply don’t feel they need to afford the motorcyclist the same right to the road that they enjoy.  In any case, the numbers from across this continent support my contention that when fault is assigned, motorcyclists are in the minority in causing these collisions.  This is reflected in that in jurisdictions that use the Tort system, motorcycle insurance costs are, quite literally, 10-20% of what it costs in Saskatchewan, and many of these markets are in the most litigious country in the world, the USA.  I have friends who own and insure entire fleets of motorcycles for what it costs me to plate one.  Clearly this reflects the huge impact of assigning cost to those actually responsible for accidents.  This perspective is completely missing in SGI’s current pricing structure. So what can be done?  It seems unlikely that SGI is going to suddenly ditch No Fault, yet there is a basic injustice in the current system that needs to be addressed.  As I see it, there are a couple of options available to create a more equitable system. First, that the premium paid for Injury and wage-loss compensation provided under No Fault injury coverage be based solely on the operator’s safety rating, with the addition of surcharges for high risk operators in addition to the current discounts for safe driving/riding.  The rates paid under this system should be the same across all classes of vehicles that a given operator may be plating, based on the accident risk posed by that individual operator.  In this way, the risk, and financial burden, is spread across all vehicle operators, creating a more level playing field that truly reflects the best aspects of “No Fault”.  If no one is assigned fault, and therefore penalized, when determining benefits for health care treatment, rehabilitation, and wage loss replacement, why then is this entire class of vehicle operators assigned blame and financial responsibility, aka “Fault”, in advance, despite their individual safety record?  It is time, in my opinion, for a basic structural overhaul of the current system. A second option might be to continue to offer Tort coverage as an electable option, as is currently the case, but have the Tort rate reflect the actual cost experience seen across this continent when fault is part of the injury/wage loss equation.  I doubt SGI would be too pleased with that option, as the current No Fault system would likely collapse quickly, as far as motorcycles are concerned, were riders provided that option, as the price differential would be too large to ignore. A third suggestion I have, preferably provided concurrent with the overhauled system described above, is that the current “limited No Fault” option be overhauled, or perhaps additional options included.  I have continued to elect full coverage since my retirement, even though I no longer have any need of wage loss replacement, which I am well aware is an extremely expensive part of the coverage.  I have continued to go with full coverage for one reason; I do not want to forego coverage for catastrophic injury.  From my own selfish perspective, I would love to see an option where I can retain that coverage and forfeit all wage loss replacement. I thank you for your patience with my arguments here.  I do understand the difficulties faced by SGI, but truly believe that this difficulty is primarily because they are trying to adjust rates in an ad hoc fashion within a fundamentally flawed motorcycle coverage system which is past its “best before” date and is in serious need of a complete rethink. In consideration of all these arguments, I believe unequivocally that the proposed rate increase should be denied. Again, thank you for your time. **** *****, Moose Jaw, SK

"I am hopeful the panel will find SGI’s proposal for a rate increase to motorcycle owners is out of line. I am hopeful the panel will decrease the insurance for low risk riders (no accidents or tickets) and hold accountable high risk riders who do not have a good riding record. There is no need to punish low risk riders. Yes I get a discount but that doesn’t even matter if the rates keep climbing. I used to ride more often. The cost is getting out of my reach to plate it for 6 months. Please do not kill the motorcycle culture. It is more than riding. It is soul seeking. It is peaceful. It is exhilarating. If you continue to increase our rates you are killing us. Taking away something we truly love and enjoy. Please go for a ride on a bike and see if your mind is put at ease and your life problems left behind with a twist of a wrist. The smell of all the various crops, forest and streams keeps us grounded. The rate review panel must decline SGI’s proposal for an increase to motorcycle insurance. Thank you, ***** *******

" DENY SGI's PROPOSED 10% RATE INCREASE for Motorcycles Vehicle Class is an arbitrary segmentation, nothing more..!! What should decide your Insurance Rate is your PERSONAL RISK PROFILE, an INDIVIDUAL'S DRIVER HISTORY..!!! If you are deemed "High Risk" eg. driving infractions, accidents, injury, death....you need to be penalized appropriately and be required to pay the High-Risk penalties or lose your driving privileges. If you are a No/Low-Risk Driver your Insurance Rate should be very LOW and reflect your Low-Risk Status..!!! Drivers whose Driving Record indicates they are Low-Risk drivers must NOT be Penalized and Forced (as we are today) to SUBSIDIZE and ENABLE High-Risk Drivers Behaviour...!! The RATE REVIEW PANEL MUST DENY SGI's Proposed Motorcycle Rate Increase..!!

I am writing to voice my displeasure over SGI's proposed rate increase for motorcycles. I have been riding motorcycles on the street for 25 years. In that time, I have never had an accident on a motorcycle, or made an insurance claim involving a motorcycle. I have cost the motorcycle insurance fund exactly zero dollars. But yet, over that 25 year period of riding, I have watched my insurance premiums creep ever skyward. I remember when motorcycle insurance took a significant jump around the year 2000. It was enough for me to downsize into the 400cc and under class. I was a new parent and I didn't like spending $60/month on a 600cc motorcycle that only got ridden a few times per month. $12/month for a 400cc was much more palatable. If only I had understood then exactly how lucky we had it with insurance rates, because there was much worse to come! In 2006, I purchased a second 400cc motorcycle, a 1989 Yamaha FZR400, which I still own and ride today. When I got it, insurance fore it was around the aforementioned $12/month. Now, 15 years later, the exact same motorcycle is costing me $49/month. This is taking my 20% Safe Driver's Discount into account, which didn't exist in 2006. Without my discount, the monthly cost would be more around $57. The insurance rate for this old motorcycle has increased by a factor of almost 5 in the last 15 years!!! For the exact same bike (now 32 years old), with the exact same rider (now 50 years old), who has not had a single accident in the entire time that he has been riding motorcycles! If the proposed rate increase of 18% for my bike goes through (currently $493/yr, proposed $585/yr), then my monthly pre-discount rate is going to jump to about $67/month. A bike that cost $12/month to put plates on it in 2006 should not be costing 5.5 times more to do the same thing in 2022. It's not like it's gone up in value in that time, and it's 32 years old! Had I not downsized to my 400cc machines, and stayed with the 600cc, this is what I would have been facing. I bought a 1992 Yamaha FZR600 in 1999. When I bought it, I believe that the monthly rate for it was $30/month. Right now, that exact same machine would cost $130/month, and if the proposed rate increase goes through, it will cost about $140/month. Utterly ludicrous. It's 29 years old! Is this not asinine? In what possible world does any of the math in the previous two paragraphs make logical sense? In any other jurisdiction in North American or even around the world, an insurance company would look at me, assess me correctly as being a low risk rider, and assign me a reasonable rate accordingly. Notice that I said, "look at ME. Assess ME. Assign ME a rate". Not, look at my bike, assess my bike, and assign my bike a rate. My bike is an inanimate object. Without an operator to throw a leg over it and thumb the start button, it is just going to sit there and look pretty. It may eventually rust a bit if it stays there long enough, but it is not going to head off and cause havoc in traffic of it's own accord. It's actions are entirely dictated by the skills and intentions of the person riding it. This is the problem with the way that SGI assigns vehicle insurance rates in general. There is far to much emphasis on the type of vehicle and not nearly enough emphasis on the type of operator. A mental exercise, if you will: Take two brand new Corvettes, and give one to a 16 year old person who just got their license and the other to a 60 year old person who has spent their life driving performance cars in an accident free manner. I'll give you three guesses as to which driver is more likely to smash up their lovely Corvette, and you shouldn't need the last two guesses. Insurance rates ought to reflect that simple fact, and the Safe Driver Recognition program, while a step in the right direction, does not go nearly far enough. In the aforementioned example, rates for the 16 year old Corvette driver should be so prohibitively expensive that the kid won't be given a chance to wrap that car around a tree, and the rates for our 60 year old fellow should be the same as if he was driving a 10 year old Honda. Let the expense of vehicle insurance more closely match the risk class of the operator! Penalize the operators that are crashing the vehicles, and stop making the safe operators subsidize them! Getting back to motorcycles. I am still truly glad that I am riding a sub-400cc bike, and not a new 1300cc machine that currently costs $4000/yr and is proposed to go up to $4500/yr. Even with a maxed out Safe Drivers discount, those sorts of rates are prohibitively expensive for the vast majority of people. The people who currently own those bikes are either a) extremely wealthy or b) only insuring through the use of permits. SGI has managed to price motorcycle insurance rates so high that people are fleeing the sport in droves. It's no wonder that the SGI motorcycle fund is in deficit. That's what happens when rates get raised up so high that a significant number of people can no longer afford to ride anymore. Someone needs to explain the concept of lower prices + greater volumes = greater profits to SGI. I presume that they have an economist or two on staff? Given all of this information, plus the excellent presentation given by RAGE at the rate review hearings, I trust that the Rate Review Panel will reject SGI's proposed motorcycle increases outright and send them away with some suggestions of other ways to bring the motorcycle fund back into solvency. They could start by implementing policies that include greater punishments for unsafe riders, and greater rewards for the safe ones.

Hi there. I'd like to put my 2 cents in regarding the price of plates for motorcycles. Don't penalize the good riders. Why can't the insurance rates be proportional to a rider's/driver's driving record. That makes it fair for all of us recreational riders. Increasing the cost of an 8 day permit to $100 is enough to dissuade us (and many others) from enjoying our bikes next year. Thanks for reading these thoughts of mine.

" I am sending this because I’m concerned about the SGI proposed rate increase ! I have been riding motorcycles for 54 years, never had a claim, and I’m a high mile guy, My bike doesn’t sit still, unless the weather won’t let me ride. I have 2 bikes, both exactly the same make, model, engine size. One is here , the other is in ARizona.My Sask bike costs me 107.00 per month, I have the 25% discount ( good driving record), I get the no fault insurance, because I’m retired and I don’t need the wage replacement, or the medical benefits , ( although I’m retired , I still have ALL my benefits from when I was working) so that would be 1284.00 per year. My ARizona bike, again the same bike as in Sask, I have chose a Geico policy that is the same or as close to the SGI policy for the same coverage as I could get, again I don’t need the wage replacement, and my health benefits are covered in the USA, I did have to provide a drivers abstract, and Geico will ask for an updated copy every couple of years. My registration in AZ Is. 68.00 for 5 years, my insurance for a YEAR was 205.00, but I just received an email, stating I’m getting a 20.00 discount, so it will be 185.00 per YEAR, yes, that’s right 185.00 per YEAR ! Something is very wrong here, maybe it’s time to open the door for some competition !"

I'm a motorcyclist but not part of the Rage action that I know you have had forums with. Of course noone likes rate hikes.I currently own 2 bikes,a car and a truck... plus 5 trailers. I'm a single man with a clean driving record. I can't drive everything at once!  I use to keep everything plated and now simply don't/ cant. so with rate increases you are getting less of my money then before.  Every vehicle and bike I have has a different purpose and honestly I would like to get one or 2 more vehicles/bikes  for different purposes but won't because of the cost to plate. I don't understand how some vehicle rates increase or decrease when the driver is the determining factor on how they  are operated. I'm rewarded slightly  for safety in my old fuel guzzling  truck and penalized in my little runabout all wheel drive coupe with all the safety features. What i would love to see is an option for one  plate where I put on multiple vehicles... even charge me a premium but one motorcycle plate that I could interchange between my Enduro to touring to cruising would be awesome. It would make buying more vehicles less daunting ...i can't ride or drive everything at once

In my personal opinion, all vehicles cars, SUV’s trucks, ATV’s, motorcycles, snow machines etc. etc. that are plated in Saskatchewan should all be included in one rate group.  I understand that the concern with Motorcycles is the personal injury claims which is basically saying motorcycle riders are higher risk clients and their medical expense is going to be higher than that of someone driving a car, could also be said for anyone riding a bicycle on the street. Using the logic in the above paragraph, should it therefore not be much more expensive for someone (pay out of their own pocket) to be hospitalized because they didn’t take a Covid 19 vaccination shot and/or did not try to follow all health regulation over the past year or so (i.e. masks etc.), then for someone that did take the health regulations seriously and stepped up to get a vaccine ? In other words, the more you breakdown whatever it is that you are looking at, you can find more and more reasons to charge or penalize one part/party more than others.The above being said and with Saskatchewan's State of Emergency being lifted on July 11th...there is no valid reason what so ever, to not have PUBLIC MEETINGS...IN-PERSON...for SGI's Rate Review. If thousands can gather pre-July 11th for events in Saskatchewan that involve the Premier and Prime Minister, 1st Nations People, plus Security and Media...then there should be zero reasons why the Saskatchewan Rate Review Public Meetings cannot also be...PUBLIC and IN PERSON! They are squashing people's opportunity to "A Voice" at what is supposed to be a PUBLIC FORUM..!!! Not everybody has a Computer nor Internet Access, nor the skill/knowledge to run ZOOM software...!!! All businesses are NOW OPEN with NO. RESTRICTIONS ...therefore there should be no reason what so ever, to not be able to follow the same safety protocols for the RATE REVIEW HEARING..!!! The Rate Review Board's decision to handle this via video conferencing is wrong, and needs to be corrected IMMEDIATELY so the People of Saskatchewan can attend in person and Voice their Opinions...!!!

I have a 2007 250cc Honda motorcycle that costs just over $600 a year, with a good rating.  That isn’t much cheaper than my car. My motorcycle is worth way less than my car. Plus, a motorcycle is seasonal. The rates for bigger and better motorcycles are way more costly. Give us a break. The cost is getting out of hand. We should be promoting motorcycles as a more environmentally friendly choice. I would like to see the stats on how actually is spent fixing motorcycles. Compared to cars, I can’t see it being high enough to justify the rates we pay.

Worst idea ever to charge more adn more for motorcycles.....which for experienced riders are safer, and more economical than a full sized and ever larger vehicles...and produce less carbon emissions. Lower rates substantially for experienced riders

Motorcycle insurance is ridiculos for the cruiser class of bikes. please reveiw and stop the increases it is getting out of reach for the ocational riders.nppnts

I'm a 36 year old male with no accidents or tickets in almost 20 years. I was born and raised in Regina and have lived here most of my life. I plan on staying in the province and will very likely be an SGI customer long into the future. I work in an occupation where driving is a large part of my duties which has helped me develop a healthy respect for the dangers of the road and the importance of driving defensively. I am an ideal customer. I am also an avid motorcyclist. I completed both the basic and experienced rider safety courses. I wear a full-face helmet and full safety gear with every ride. I do not split lanes, perform wheelies, stoppies, burnouts, or other stunts. I ride a 2000 Honda VFR800 approximately 3000 km's per year. It's as original as it was the day it rolled off the lot 21 years ago and has received the recommended maintenance each riding season that I've owned it. My neighbours will tell you that they appreciate the quiet Honda muffler that is hardly noticeable from across the street. I am a courteous, low-risk rider with a well-maintained sport touring motorcycle that gets taken out of the garage about once per week. Again, I am an ideal customer. So you can probably understand that when I learned that my insurance will increase by 15% from its already exorbitantly high rate, I began to feel unappreciated. Despite my best efforts to be one of the safest on the road, I am being told I must pay extra. I understand SGI's reasons for needing to cover costs incurred by motorcyclists but I do not agree with the method. Risk assessment can be done based on the individual driver, not just the machine. The cost of insuring a rider and machine can be determined by more factors than just bike "category" and engine displacement (which doesn't necessarily determine power, speed, power-weight ratios, handling, braking, rider risk tolerance, or ultimately, accident rates). A teenager with very little experience can insure a 400cc sport bike for around $1000/year. Myself, with plenty of experience, training, and a clean record, will pay 2.5x more for my 21 year old 800cc sport-touring bike that rarely leaves the garage. This makes no sense and is not fair. Plenty of riders already understandably choose to purchase permits rather than pay for plates. The problem this "workaround" creates for SGI is clear - revenue declines as more riders choose to permit, therefore increasing the burden on those who choose plates. Increasing insurance rates will accomplish one thing - a heavier burden will continue to be placed on a shrinking demographic of riders until they are priced out of the market, requiring additional future rate increases. The current method of continuing to increase rates for this demographic is not sustainable. The message received is that SGI is not that interested in providing motorcycle insurance and is okay with losing business. Please reconsider the proposed rate change. An average increase of 11.9% for all motorcycles is extremely difficult during a time when people are struggling financially and psychologically. Motorcycling is a pandemic-friendly activity that provides people with a sense of community, belonging, and freedom, and can be done safely. As a community-based Crown corporation with a monopoly on automobile insurance in the province, SGI can choose to be either an ally or foe of motorcyclists. Please be our ally and work with us to provide fair rates for all.

I am not able to attend your upcoming review meeting regarding motorcycles, however I wanted to provide my personal comments on your current rate structure and review. As an executive in the insurance industry and someone who sets price for agricultural insurance, I find it hard to believe that the brain thrust at SGI has not evaluated how the motorcycle industry is affected by the changes to cycle insurance. As a cycle owner and driver in the province for the past 45 years, I totally understand the risk associated with being a motorcycle driver. One thing I have trouble with is why my son who loves antique cycles can ride a 1982 Honda 900 for $30 per month, but my 2006 1200 Harley costs over $200 per month.  What makes that bike or the driver safer than me? I would like someone at SGI explain to me how the risk of a 30-year-old driving a 1980’s cycle has any less risk because of the year of his bike, or the engine size for that matter. All bikers should pay equally.  The cost of insurance should be set as per the loss cost of the hardware (bike). Then liability insurance should be set separately on the cost of liability coverage associated with fatality and injury. If SGI then wants to tack on young drivers or sport bike premiums do to more accident prone then move in that direction. I personally do not insure my bike for the purpose of damage to my bike.  I am most concerned with the liability of injury. If then this causes the motorcycle community to move away from biking due to cost at least it is fair for all those of us who wish to continue to cycle.

I would like too know what’s going on with the ridiculous cost of riding a motorcycle

By now, you may have seen that you need to send an Email to the Rate Review Board...to get approved for a "link" to a video conference that will serve as the only "Public Meeting" for the Motorcycle Community on June 28th, 2021.With Saskatchewan's State of Emergency being lifted on July 11th...there is no valid reason to not have PUBLIC MEETINGS...IN-PERSON...for SGI's Rate Review. If thousands can gather pre-July 11th for events in Saskatchewan that involve the Premier and Prime Minister...then there should be zero reasons why the Sask Rate Review Public Meetings cannot also be...PUBLIC and IN PERSON! There are certain event facilities scrambling for business after being closed for 1 1/2 years...there would be no reason to not be able to follow safety protocols. If being inside is an issue, large tents outside the Legislative Building would work.  Those who stage large outside events are also scrambling for business after 1 1/2 years of being closed, and this event would be much smaller than many of them are used to handling. If we are returning to some semblance of business as usual in this province, this is the perfect opportunity for this to be put into action. The Rate Review Board's decision to handle this via video conferencing is wrong and needs to be corrected so the People of Saskatchewan can attend in person!

OPEN RATE REVIEW PUBLIC FORUM, ANYTHING LESS IS JUST SUPPRESSION of PUBLIC OPINION..!!!

The current proposal increases rates for sub 401cc motorcycles however I believe that SGI should reduce the rates for sub 401cc motorcycles and perhaps raise that limit to sub 501cc or sub 50hp.These smaller displacement bikes have many advantages. They are very fuel efficient and as such are very good for the environment particularly compared to a regular vehicle such as a 1/2-ton truck. Being considerably smaller than the vehicles that they displace they greatly reduce congestion and reduce pressure on parking spaces. Weighing considerably less than the vehicles that they displace; they cause much less ware to our road surfaces. For myself, once the weather permits my truck is parked (still plated) and I commute in my sub 401cc motorcycle. I feel that SGI constantly vilify motorcycles without ever considering the huge advantages that they offer for both the individual and the province / cities & towns. Whilst I agreed that the large sport bikes are problematic and that is more to do with the mindset if those who ride them, I firmly believe that it is unfair to punish the lower displacement riders who for the most part is quite responsible. Apologies if this comes across as a rant but I find it very frustrating that SGI seem intent on demonising all motorcyclists and refuse to promote benefits to the smaller displacement bikes.

Why are motorcyclists' being solely penalized for claim payouts? Of all motorcycle claims submitted, who was at fault in collision cases? Too many drivers are naive regarding motorcyclists and cyclists. If a car causes a collision with a motorcycle, hold them accountable by means of issueing a separate fine. Include motorcycle, scooter, bicycle, pedestrian. Too many drivers don't take road sharing serious. This will trigger their heads to hopefully realize that they are operating a heavy, destructive machine when abused. Drivers' need to comprehend the damage they can produce to a smaller vehicle and people. Read your own training manuals. The message is that motorcyclists are responsible for staying out of automobiles way...period. Too many drivers need to pay more attention to everything using the roads...period. This new fine will also be a useful recording tool...thanks.

I am highly disappointed by yet another rate increase proposed on motorcycles. Statistically speaking, the majority of accidents involved with motorcycles are the fault of the motorist, not the motorcycle. Further rate hikes inventive riders to use our motor vehicles more often. This entire system of penalizing those of us who do not "break the rules" nor cause the accidents is extremely comical. Another action that does nothing but further deteriorate the relationship between consumers and insurance providers. SGI needs to review the motorcycle rates and the atrocious increases for nearly the past decade. This email does not even begin to address the other economic or environmental impacts both perceived and created from yet another rate hike.

I would like to comment on the plan to again raise insurance rates that SGI plans for some vehicles. The purposed rate increase on motorcycles is unfair. Yes medical claims costs on M/C accidents are on the rise but most accidents are not the M/C riders fault. Most M/C accidents are a car making a left turn in front of a M/C and then claiming I just did not see them. Why penalize the innocents. I have been riding for over 50 years almost 60 and I helped start the Safety council M/C training course. Be fair do not make those who did not make the issue pay for the issue.

I am writing to you with regards to the proposed SGI rate hike for motorcycle riders. We currently have some of the highest motorcycle insurance rates in North America and when SGI states that the shortfall is due to less revenue coming in the actual cause is that a lot of riders are buying short term permits because of the current exorbitant rates. My present motorcycle costs me just under $2400 per year to license. That is approximately twice as much as licensing a brand new corvette worth over $100,000. I also carry a separate package policy with additional liability coverage and I haven't had an accident in over 30 years. SGI rates have seriously curtailed the addition of new riders in the province who are obligated to take a safety course and have graduated licensing which has reduced accidents and claims. Would it not make more sense for SGI to actually lower rates which would promote motorcycling in the province, thereby benefitting businesses in the industry, and instead make the purchase of additional package policy insurance mandatory? This is just a suggestion but I must say that if the current rate hikes go through I personally may be looking to leave Saskatchewan for a more motorcycle friendly province.

In regard to the potential rate increase...I just wish the province would allow one plate to be used on multiple bikes. charge a premium but let me swap it from my tourer to cruiser to adventure bike. I can't ride all at once and would encourage sales and others to purchase other bikes instead of right now...simply not affording the insurance therefore not buying a different bike for a different purpose. I don't get how one vehicle i can be deemed a safe driver and get a discount and another I'm at increased risk simply because of the vehicle driven. 

I have a huge concern related to the proposed SGI rate increases, particularly as it relates to motorcycle rates. As a motorcycle owner, it is incredibly frustrating that the rate to license a motorcycle in this province is significantly higher than any other province in Canada and in fact is reaching legendary proportions across the country as word spreads on just how expensive it is to register a motorcycle in Saskatchewan. It is getting to be beyond the reach of normal citizens in the province to be able to register a motorcycle and a further increase to the current rates seems incredulous. I know that a large number of motorcyclists are having to resort to 8 day permits vs monthly plates in order to be able to drive at all. I see that the rate review is now doubling the cost of the permits so this is no longer an option either. Given the seasonal and weather dependent nature of motorcycle use in Saskatchewan, it is truly hard to justify plating a motorcycle with pricing that equates to $50 a week or $200 a month. That is the current rate let alone the proposed increase raising it even higher. That is double the cost of licensing my full sized pickup truck. Nobody except the richest citizens in this province can afford to plate a motorcycle anymore at current rates so it should be no surprise that motorcycle registrations are on the decline and therefore funds from that revenue stream are also on the decline. Given that motorcycle operators in the province of Saskatchewan have no other option than to purchase their insurance through SGI, they are stuck between a rock and a hard place and nowhere to turn for affordable insurance. I don’t think the current operating model of SGI of raising the cost so much for motorcycle insurance that nobody can afford to have a motorcycle in Saskatchewan therefore no more motorcycle accident claims to pay for is a fair practice. I feel like SGI has a duty to provide affordable insurance to the citizens of Saskatchewan, including those that operate motorcycles. Motorcycle use is better for the environment when single occupants travel vs a full sized vehicle as well. I am aware that the cost of an injury related to a motorcyclist involved in a collision can be higher than if they were in a full sized vehicle, but also aware that the cost of that injury should go towards the vehicle that was at fault in the collision and not all be charged to the motorcycle fund which I am told is the case today. There has been a lot of work done in recent years in regards to motorcycle safety including the graduated licensing program and the motorcycle safety course that new drivers take. I am told that SGI pays more for claims than other provinces do, therefore they charge more for registration than other provinces do. I urge the rate review panel to compare current registration costs with the other provinces across the country to fully understand how out of line the current rates are, let alone the proposed increases, before making a decision. In fact, the rates should be LOWERED in order to drive up the amount of funds coming in from motorcyclists who desperately want to register their motorcycles instead of permitting them. Motorists that cause a collision with a motorcyclist also need to be accounted for and have that accurately reflected in the auto insurance funds vs being drawn from the motorcycle fund when the motorcyclist is not at fault. In closing, my ask is that the rate review panel deny this rate increase. It will not increase motorcycle funds as intended, but rather drop them even further as the initial changes in 2013 has done. In reality, it will only go further to drive the costs of motorcycle insurance out of the reach of Saskatchewan citizens.

I passed my test in 2005 after I completed the motorcycle safety  course. A few years after the rates started to increase ....  on my 2009 Harley Davidson Softtail Deluxe  I once paid $104.00 per month  and now pay  $165.00 per month .... as a result  I plate it for a much shorter  time as this is not affordable . I feel that the people  who  have  motorcycles are being targeted for all motorcycle  accidents even if they're not at fault. I realize that we are more likely  to be injured however  I  feel that those that cause the accident should pay on their insurance  .....AND there are only a few riders that are riding  inappropriately and it appears that we are ALL being  punished  financially  for  others  mistakes. I  feel that if one has taken the motorcycle safety course  and has a good driving  record  this should  reflect  on the price of the plates. My motorcycle  is  the only vehicle  I own that goes up substantially as the bike gets older .... this is BACKWARDS and very UNFAIR!!! .....Please take a real look at what's happening  out there and consider  my request  to give good riders a  proper discount and quit punishing ALL riders. 

I suggest that the collision portion of motorcycle insurance be removed from basic coverage.  I have lived in provinces with private insurance and collision on a motorcycle is prohibitive in cost.   The way auto insurance her with mandatory collision for all is subsidizing people with enough money to buy new vehicles.  In true user pay make the collision coverage optional for all.

I am contacting you to say I think raising the rates of bikes is not right, as a rider of 20 years and no bike accidents it looks as though sgi just wants to make people stop enjoying biking by making the insurance so unreasonably high nobody can afford to do it.  What I think you should look at is how many of these bike accidents are bike at fault, if more accidents were vehicle at fault then the rise in rates should be applied to the auto vehicle side of the insurnce because if I get hit by a car or truck and its not my fault then why would my insurance be paying for repairs and injury when the party at fault's insurance should be paying.  I don't think you should punish the bikes because people in vehicles dont pay attention enough.

Since the last SGI increase I haven’t enjoyed the opportunity to ride. I have tried to get a fair price and sell my bike. With any further cost increase it will be impossible to sell leaving a sizeable investment in storage and my hands tied. This proposal needs to be readdressed.

I hear on the news today SGI wants to increase Motorcycle rates yet again. If you approve any rate increase I would like to congratulate you on being the first province/State in North America to successfully ban motorcycles from the streets. That's clearly SGI's agenda and it makes me sick. SGI should be applying for a 50% rate decreased on motorcycles and the panel should approve a 60% decrease. Also, its clear SGI isn't concerned with global warming or they would be encouraging people to ride motorcycles. I'm sure the carbon foot print on my bike is a fraction of what my truck is. Anyway, this bores me as I know SGI will get whatever they want when they want it, who cares about the good people of Saskatchewan. Once everyone moves to permits you will see the cost of permits increase - all SGI wants is motorcycles off the roads. I guess you folks will play an important role with that. Congratulations SGI!!! I'm very proud you have the monopoly in the province and run the show. Keep up the great work.

I understand the net 0% increase but your reply does nothing to alleviate my concerns. When I wrote to my MLA my concern was the increase in MY expenses. Not to congratulate you on keeping your overall net change at 0%. In fact, I find your reply to be rather dismissive and patronizing. In the second paragraph you talk about keeping SGI rates among the lowest in Canada. I'd like you to provide me that data since that statement seems to be misleading. A quick Google search of "cheapest car insurance by province" shows Saskatchewan at 6th least expensive and another at 4th most expensive. So if you define the 60th percentile as among the cheapest you are correct. But misleading nonetheless. The rebate program. The general feeling is this is far from the gift its being portrayed as. I'm curious how much money was spent on this program. Paying people to pull data, get approvals, print, track and mail cheques only to turn around and propose rate increases was a complete waste of time, money and resources. Keep the cheque and don't increase my rates. It would have saved time and money for everyone. In closing, I remember the Canadian Wheat Board. The Stephen Harper Government gave Farmers the opportunity to market their own grain and CWB was told if they were going survive, they will need to compete. If SGI is so great and wonderful as you imply, let me decide based on some competition. I'd vote for competition in a heartbeat. Some feedback. Your reply felt like a form letter. Your Communications person should carefully consider addressing people's concerns directly and not using press release type statements. If someone is concerned enough to write their MLA, a pre-baked, copy and paste reply could make them very angry, like it did me.

Sir, thank you for your response, however at this juncture the position your office offered contained mostly platitudes, which unfortunately has a somewhat condescending feel, which I'm sure was not your intention. Having said that, I would appreciate a more relevant response, that speaks directly to SGI's raising of Motorcycle Rates beyond the average person's affordability. You should note pre-2012 Motorcycle Rates, commonly subscribed to by the motorcycle community via 46% partial-terms and 54% 12-month terms, were more than adequate to cover all costs of At-Fault Motorcycle accidents. SGI's corrected Loss Transfer calculations were done via the 2013 Rate Review and backdated to 2011 as follows: “…by adopting a provision for Loss Transfer for all vehicle classes, the claims costs for the motorcycle class was reduced from $9.8 million to $5.9 million in 2011 – a 40% reduction… For the portion of 2012 included in this application, the reduction has been from $866,047 to $555,833 – a 36% reduction…”. SGI, in the 2012 and 2013 Rate Proposals, knew raising Motorcycle Rates would result in significant lost revenue, yet decided to proceed with implementation of the excessively high License/Insurance Rates ( the highest in Canada ) we have today..!!! Should the 2021 Rate Proposal go forward, understand that Motorcyclists in Saskatchewan will continue to seek other low-cost options for Licensing forced on them by SGI's excessive rates. The overall effect of further increasing motorcycle rates would hasten to drive the Motorcycle portion of the AutoFund further into Insolvency. It is neither accidents, nor injury, nor property damage responsible for the impending "insolvency" issues. It is SGI's mismanagement of the Motorcycle AutoFund by continuing to increase rates when they know it will mean less revenue. Note: the number of motorcycles registered each year (unique registrations) has not significantly decreased from 2012. If we could have a conversation directed more to the primary issue noted above, rather than focusing on platitudes as in your previous response, the Saskatchewan Motorcycle Community would be more than pleased to once again assist in providing SGI's Executive Office with business-focused fiscally responsible solutions to this issue.

To the members of the legislative assembly who took the time to reply to my initial email, thank you. Mr. Morgan, I read your response given to motorcycle enthusiasts and owners and once again at this time your position contains mostly platitudes and ramblings and is quite frankly insulting.  I'm sure was not your intention. Having said that, I would appreciate a more relevant response that speaks directly to SGI's raising of motorcycle rates beyond reason. I’m certain it’s been brought to your attention on several occasions that (pre-2012 motorcycle rates), commonly subscribed to 46% partial-terms and 54% 12-month terms, those were more than adequate to cover all costs of At-Fault Motorcycle accidents. SGI's corrected Loss Transfer calculations that were done in 2013’s Rate Review and backdated to 2011 as follows: “…by adopting a provision for Loss Transfer for all vehicle classes, the claims costs for the motorcycle class was reduced from $9.8 million to $5.9 million in 2011 – a 40% reduction… For the portion of 2012 included in this application, the reduction has been from $866,047 to $555,833 – a 36% reduction…”  Yet SGI knew raising Motorcycle Rates would result in significant lost revenue, yet decided to proceed with the implementation of the excessively high Insurance Rates and Rate Proposals!!! Should the 2021 Rate Proposal go forward, Motorcyclists in Saskatchewan will continue to seek other lower cost options for licensing their vehicles?  It’s neither accidents, injury, nor property damage that is responsible for the impending issues with the motorcycle portion of the Auto Fund, it’s SGI's own mismanagement by continuing to increase rates when they know it will mean less revenue and more hardship to the people of Saskatchewan. Are you aware that the number of motorcycles registered each year has not significantly changed since 2012 yet the revenue declines? I ask that the conversation be directed more to the primary issues at hand rather than focusing on platitudes and political song and dance, this is Saskatchewan not Ontario… We see through the manure…Once again, the Saskatchewan Motorcycle Community would be more than pleased to assist SGI's Executive Office with a business-focused fiscally responsible solutions to this issue. I will say that SGI has taken a great leap forward in bringing motorcycle awareness forward in their advertising campaigns, it’s working and it’s helping.  Drivers are more aware of their surroundings.  I can say from my own experience that I have to take evasive action much less frequently.  Awareness works, it reduces injury and costs.  Stick with what works…

Sir, thank you for your response, however at this juncture the position your office offered contained mostly platitudes, which unfortunately has a somewhat condescending feel, which I'm sure was not your intention. Having said that, I would appreciate a more relevant response, that speaks directly to SGI's raising of Motorcycle Rates beyond the average person's affordability. You should note pre-2012 Motorcycle Rates, commonly subscribed to by the motorcycle community via 46% partial-terms and 54% 12-month terms, were more than adequate to cover all costs of At-Fault Motorcycle accidents. SGI's corrected Loss Transfer calculations were done via the 2013 Rate Review and backdated to 2011 as follows: “…by adopting a provision for Loss Transfer for all vehicle classes, the claims costs for the motorcycle class was reduced from $9.8 million to $5.9 million in 2011 – a 40% reduction… For the portion of 2012 included in this application, the reduction has been from $866,047 to $555,833 – a 36% reduction…”. SGI, in the 2012 and 2013 Rate Proposals, knew raising Motorcycle Rates would result in significant lost revenue, yet decided to proceed with implementation of the excessively high License/Insurance Rates ( the highest in Canada ) we have today..!!! Should the 2021 Rate Proposal go forward, understand that Motorcyclists in Saskatchewan will continue to seek other low-cost options for Licensing forced on them by SGI's excessive rates. The overall effect of further increasing motorcycle rates would hasten to drive the Motorcycle portion of the AutoFund further into Insolvency. It is neither accidents, nor injury, nor property damage responsible for the impending "insolvency" issues. It is SGI's mismanagement of the Motorcycle AutoFund by continuing to increase rates when they know it will mean less revenue. Note: the number of motorcycles registered each year (unique registrations) has not significantly decreased from 2012. If we could have a conversation directed more to the primary issue noted above, rather than focusing on platitudes as in your previous response, the Saskatchewan Motorcycle Community would be more than pleased to once again assist in providing SGI's Executive Office with business-focused fiscally responsible solutions to this issue.

Sir, thank you for your response, however at this juncture the position your office offered contained mostly platitudes, which unfortunately has a somewhat condescending feel, which I'm sure was not your intention. Having said that, I would appreciate a more relevant response, that speaks directly to SGI's raising of Motorcycle Rates beyond the average person's affordability. You should note pre-2012 Motorcycle Rates, commonly subscribed to by the motorcycle community via 46% partial-terms and 54% 12-month terms, were more than adequate to cover all costs of At-Fault Motorcycle accidents. SGI's corrected Loss Transfer calculations were done via the 2013 Rate Review and backdated to 2011 as follows: “…by adopting a provision for Loss Transfer for all vehicle classes, the claims costs for the motorcycle class was reduced from $9.8 million to $5.9 million in 2011 – a 40% reduction… For the portion of 2012 included in this application, the reduction has been from $866,047 to $555,833 – a 36% reduction…”. SGI, in the 2012 and 2013 Rate Proposals, knew raising Motorcycle Rates would result in significant lost revenue, yet decided to proceed with implementation of the excessively high License/Insurance Rates ( the highest in Canada ) we have today..!!! Should the 2021 Rate Proposal go forward, understand that Motorcyclists in Saskatchewan will continue to seek other low-cost options for Licensing forced on them by SGI's excessive rates. The overall effect of further increasing motorcycle rates would hasten to drive the Motorcycle portion of the AutoFund further into Insolvency. It is neither accidents, nor injury, nor property damage responsible for the impending "insolvency" issues. It is SGI's mismanagement of the Motorcycle AutoFund by continuing to increase rates when they know it will mean less revenue. Note: the number of motorcycles registered each year (unique registrations) has not significantly decreased from 2012. If we could have a conversation directed more to the primary issue noted above, rather than focusing on platitudes as in your previous response, the Saskatchewan Motorcycle Community would be more than pleased to once again assist in providing SGI's Executive Office with business-focused fiscally responsible solutions to this issue. When you stated that private insurers are out to make a profit and SGI is non-profit. My family in Alberta had two motorcycles, a 2000cc 2006 Kawasaki and a 750cc 2008 Suzuki. Combined their monthly insurance payment was just under $100.00. At that same time my 1800cc 2016 Harley here in Saskatchewan was $258.00 per month to plate for one motorcycle. I believe SGI is very mismanaged and the rate increase is unacceptable. If you go into the SGI Rate calculator the 2006 Kawasaki is $202.15 per month and the 2008 Suzuki is 164.65 per month. Combined would be 366.80 per month here in Saskatchewan but only $100.00 per month in Alberta. If you don't believe SGI is mismanaged sir then there is a bigger issue.

This year the taxi industry was thinking we would get a decrease in insurance instead we are getting a hefty increase. SGI is evaluating previses years put a lot has changed in our industry. Ride share came to Sask taking 1000s of trips from the taxi industry plus 1000s of these ride operators take 1000s of trips not booked through the ride share companies. This all comes of the taxi drivers income plus we in the industry lost 100s of our drivers. Plus with what has happen with pb classes also effected taxi industry and the limo industry forcing me to get out of the limo business .and this also hurt the taxi industry too. plus as you where aware covid came and destroyed the transportation industry. it will take sometime for taxi industry to come back but it will never be the same. put we must understand through these difficult times. the only thing that was working was the taxi industry. there was no limos no shuttles and no buss service .no rideshare. just taxis were working putting driver safety at risk. this was a scary time for my drivers and i am very proud of every driver that worked through these times .the taxi industry was the only form of transportation for the public . we need to protect this industry. not find ways to hurt the industry SGI plays a major role .they can help us survive or destroy us. from insurance cost to regulating or should i say deregulating the transportation industry. but when you do this why what is  left  .the taxi industry is in very tough time  buy deregulating putting our issuance up is not good. when we have meetings with SGI all we get is reason why our rates increase but our in come has dropped and this mean less time taxi spend on the roads  right now taxis are down 50 % of time .put the public needs  our industry to do well .they need our service .not everyone has visa or smart phone we in the industry seem to specialize in taking seniors and children witch realize on taxi industry to be there for them but we need more than that to survive. i went into taxi accidents not at fault its 66% of accidents. put if you want to look at one group maybe SGI should change every thing charge 16-year-old to 26-year-olds a different rate. what i was told their rate would be to high. i think SGI should put every thing all together. to make it easier on everyone. the ones that get into ancients would pay more. but i do know the taxi industry plays a major role in public transportation. we need the support from SGI or higher up. i see how the industry is going all to taxi apps and going away from live dispatchers to cut cost. capital cabs gives customer a choice either apps or live dispatcher and most people want to talk to dispatchers. so facts is taxi industry lost customers. trip count are down .taxi not putting as many kilometres on taxis  and thier 1000s of other part time  operaters ride share .  so our rates should drop not go up . //////.....please leave our rates the same or reduce them thanks very much the taxi industry needs your help please.

I'm hearing some rumours about rate increases for motorcycles for January 2022. This has to be seriously left that our rates are over priced now they went through a whole process for training and they brought the incidents and the accidents down and for us riders been riding for 40+ years. I'm being penalized for the inability and the comp and it's at SGI. There has to be something done about this and I hope we can see something in the future. Thank you.

 My understanding is that there is an upcoming review of motorcycle insurance rates. I also understand that the system may currently subsidize motorcycle drivers (who represent an increased use of hospital and emergency resources and costs on a per capita basis). If there is an opportunity to make submissions, then, as the public finance sessional lecturer at the Paul J. Hill School of Business, I may want to make a submission in my academic capacity in favour of increasing rates on motorcyclists, if that is possible. People who drive cars (which are comparatively safer) should not be subsidizing a more dangerous mode of transportation (motorcycles). In fact, we should be actively discouraging risky behaviour (like pigouvian taxes on alcohol or tobacco).

I am extremely disappointed that SGI is making a huge mistake once again when it comes to increasing rates for motorcycles in Saskatchewan. Since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into RED, insolvency! The Rate Proposal INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency. As a rider who has had a motorcycle endorsement since 1974, I look forward to your reply.

I am extremely disappointed once again to see that SGI is taking another huge shot at motorcyclists and once again proposing absurdity when it comes to increasing rates for motorcycles in Saskatchewan.  As part of your government’s “Green Effort” motorcycling is something that should be encouraged rather than discouraged or made more difficult.  My motorcycle is my main form of transportation from April 1 until the snow flies, you might say I’m a bit of an enthusiast… Since 2009 SGI has singled out motorcycles and has increased motorcycle rates exponentially in Saskatchewan to where motorcycle insurance has become virtually unaffordable.  As a result, most of the motorcycle community no longer purchases plates over the long-term or short term, I’m certain this has undoubtedly affected SGI’s bottom line.  A direct result of traditional revenue streams drying up in the motorcycle portion of the Auto Fund, the result? The motorcycle portion of the Auto Fund is in the RED! The cause? Mismanagement? A dislike for motorcycles or motorcycle riders? What is it??? The current Rate INCREASE presently in front of the Rate Review Panel will only worsen the problem. The madness needs to stop!

SGI has once again Proposed Rate hikes for motorcycles in Saskatchewan. Brad Wall mandated SGI to rescind the Rate Proposal in 2013 and establish a Motorcycle Review Committee to solve the problem of high accident and injury costs. Recommended changes to Licensing requirements, Rider Training programs, the introduction of Safety Promotional programs, and a strong targeted marketing campaign to both motorcyclists and drivers that ran in 2013, 2014 and 2015 resulted in a reduction in accidents and injury of over 50%! These results are an unprecedented, phenomenal success! Yet here we are again in 2021 and SGI has once again proposed a Rate hike for motorcycles that will further exacerbate the revenue shortfall for the AutoFund! The Provincial Government must once again direct SGI to remove the proposed Rate increase before the Rate Review Board, and in fact, reduce existing motorcycle rates to entice Saskatchewan Motorcyclists to license long term once again. To go forward with this existing Rate Action, will only ensure the AutoFunds insolvency..!

Identical to 2013, SGI's has once again Proposed Rate hikes on top of already excessive Rates for motorcycles in Saskatchewan. Brad Wall mandated SGI to rescind the Rate Proposal in 2013 and establish a Motorcycle Review Committee to solve the problem of high accident and injury costs. Recommended changes to Licensing requirements, Rider Training programs, the introduction of Safety Promotional programs, and a strong targeted marketing campaign to both motorcyclists and drivers that ran in 2013, 2014 and 2015 resulted in a reduction in accidents and injury of over 50%! These results are an unprecedented, phenomenal success! Yet here we are again in 2021 and SGI has once again proposed a Rate hike for motorcycles that will further exacerbate the revenue shortfall for the AutoFund! The Provincial Government must once again direct SGI to remove the proposed Rate increase before the Rate Review Board, and in fact, reduce existing motorcycle rates to entice Saskatchewan Motorcyclists to license long term once again. To go forward with this existing Rate Action, will only ensure the AutoFunds insolvency..!

I am a responsible motorcycle rider and vehicle operator. I enjoy riding my bike but the rising costs of insurance is making it difficult to continue. I do all that I can to be a safe rider including taking a Rider Training Program 7 years after I had my M endorsement just to improve my skills. SGI has once again Proposed Rate hikes for motorcycles in Saskatchewan. Brad Wall mandated SGI to rescind the Rate Proposal in 2013 and establish a Motorcycle Review Committee to solve the problem of high accident and injury costs. Recommended changes to Licensing requirements, Rider Training programs, the introduction of Safety Promotional programs, and a strong targeted marketing campaign to both motorcyclists and drivers that ran in 2013, 2014 and 2015 resulted in a reduction in accidents and injury of over 50%! These results are an unprecedented, phenomenal success! Yet here we are again in 2021 and SGI has once again proposed a Rate hike for motorcycles that will further exacerbate the revenue shortfall for the AutoFund! The Provincial Government must once again direct SGI to remove the proposed Rate increase before the Rate Review Board, and in fact, reduce existing motorcycle rates to entice Saskatchewan Motorcyclists to license long term once again. To go forward with this existing Rate Action, will only ensure the AutoFunds insolvency..!

Since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into the RED, insolvency! The Rate Proposal INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency.

SGI has once again Proposed Rate hikes for motorcycles in Saskatchewan. Brad Wall mandated SGI to rescind the Rate Proposal in 2013 and establish a Motorcycle Review Committee to solve the problem of high accident and injury costs. Recommended changes to Licensing requirements, Rider Training programs, the introduction of Safety Promotional programs, and a strong targeted marketing campaign to both motorcyclists and drivers that ran in 2013, 2014 and 2015 resulted in a reduction in accidents and injury of over 50%! These results are an unprecedented, phenomenal success! Yet here we are again in 2021 and SGI has once again proposed a Rate hike for motorcycles that will further exacerbate the revenue shortfall for the AutoFund. The Provincial Government must once again direct SGI to remove the proposed Rate increase before the Rate Review Board, and in fact, reduce existing motorcycle rates to entice Saskatchewan Motorcyclists to license long term once again. To go forward with this existing Rate Action, will only ensure the AutoFunds insolvency.

I have heard and read recently through the news and social media that SGI has once again proposed huge rate hikes for motorcycles in Saskatchewan. These are not just minor increases, but in the range of 10 to 20% increases for the year. Similar drastic increases were also proposed back 2013 and in the end Premier Brad Wall mandated SGI to rescind the Rate Proposal and establish a Motorcycle Review Committee to solve the problem of high accident and injury costs. Recommended changes to Licensing requirements, Rider Training programs, the introduction of Safety Promotional programs, and a strong targeted marketing campaign to both motorcyclists and drivers that ran in 2013, 2014 and 2015 resulted in a reduction in accidents and injury of over 50%! These results are an unprecedented, phenomenal success! Yet here we are again in 2021 and SGI has once again proposed a rate hike for motorcycles that will further exacerbate the revenue shortfall for the AutoFund! And, at the same time, rates for other driver and registration classes and vehicle types are being reduced. As an avid touring motorcyclist I ask that the Provincial Government once again direct SGI to remove the proposed Rate increase before the Rate Review Board, and in fact, reduce existing motorcycle rates to entice Saskatchewan Motorcyclists to license long term once again, as currently many riders opt to use short term permits instead. Please consider my voice as a Saskatchewan resident who is extremely opposed to and disappointed by these unfair proposals from SGI.

I understand that the insurance prices have to be adjusted every year; however, since 2013, the motorcycle rates skyrocketed to reach an unpayable price. I also know that the auto fund for motorcycles is very low or non-existning; however, did you noticed that it became lower and lower with the years? And there s a straightforward reason why when the prices increased to an unaffordable level, we, the motorcycle owners, had to choose between pay utilities, food or full-season insurance. When the prices were low, I used to plate my bike for the whole year because I was able to afford it, and I did not mind paying it for the year; after the first increase, I made an effort to plate my bike at least for the season, later I changed my bike for a new model and then became unpayable, after that moment I only got monthly plates or even permits. I used to drive my bike every day as soon as the ice melt until it is on the streets again; nowadays, I am very picky with the days and think a lot about using it, just wondering if it is worth paying for it. Like me, other motorcycle owners started doing the same or even stopped buying the bike of their dreams just thinking about the plates they have to pay. My first question is who and what are the credentials of the panel review members? I hope that is a group of motorcycle experts or at least experienced motorcyclists, or a group of actuaries with expertise in vehicle insurance, or even better, a group of motorcyclists that are also actuaries. So can you please provide me with the review panel credentials? After reviewing your proposed rates are divided by year and size, one of my questions is how did you decide to make the rates based on size? The insurance on other vehicles is not based only on size, but other factors like type, number of cars on the road, etc., while a 2018 ford fusion sport and a 2021 ford f350, even their engine sizes and year model are entirely different. But you probably already know that because SGI has professionals working (or at least I expect it) to do these calculations and get the reasonable rates; in the motorcycle seems like brands, types, and prices don't matter; the only important here is engine size. Can you explain to me the rationale behind this process, please? One of the previous excuses for the increase in 2013 was the cost of injuries, is there any study that can prove that the severity of injuries is related to the engine size? If so, can you provide me with the citation of the sources, please? to look into it. Otherwise, what did you use to reach this conclusion? Do you know a 600 cc Ducati can go double the speed (about 260 km/hr )of a 1200 cc Harley in a quarter of the time? Or do you know that a 1200 cc BMW has way more electronics to prevent accidents( like dynamic traccion control, abs, automatic stability control, road conditions control, among others) than a 1200 cc Harley?  Also, most cruiser riders chose not to wear proper proteccion gear "because it doesn't look good" or "they can't feell the breeze," while most sport/ touring drivers wear full helmets and full suits all the time? Therefore, it would be best to consider all these factors while setting new rates since they will affect the injuries caused by accidents. Can I know how many motorcycle accidents were caused by the rider and how many by other drivers? Can you send me that report details by brand, type and engine size, please? All this information that I am requesting is to help me understand why you are proposing such rates, and it is safe to assume that you have the data since it is the minimum you require to make an informed decision. Suppose you struggle with the auto fund and do not have the sufficient funds due to the lack of registered motorcyles. In that case, I strongly advise hiring an expert that can provide you with optimal statistical analysis based on the previous year to help to determine how to maximize your revenue and minimizing the rates, so you can reach an optimum balance where motorcycles will be comfortable paying and the funds in the auto fund.  I also suggest looking into other provinces' prices and follow their insurance model. It seems like working fine, and most fellow bikers across the country pay at least half of the cost of the one you are proposing.

As a motorcycle rider and taxpayer in Saskatchewan I would like to add the following feedback in respect to the rate increases proposed in Saskatchewan, as well I would like to take this opportunity to comment on one type of coverage offered. Rate Increase - I am unaware of the actual costs for insurance in the different provinces but understand from others that our rates are high in comparison. A motorcycle can only be ridden in this province from March to October if you are lucky, more likely April to September which is 6 months. The current rates are cost prohibitive for many if not most people, and now SGI proposes to raise them again. This forces people to draw permits, or heaven forbid take out reduced no fault insurance, which I will comment on next. I am of the understanding from the group RAGE that accident statistics have gone down, rather than up, so this increase seems to most as unreasonable. It seems prudent for the SGI to make all of the taxpayers clear on why this rate increase is fair and required. Especially in a time when all persons received rebates for a surplus in insurance, something doesn't seem to add up. Reduced No Fault Insurance - This form of insurance I can only imagine was offered to offer a lower rate to people making it more affordable, and thus offering reduced benefits. I think that due to the inflated costs of regular insurance that people are forced to take this coverage, hoping to never need it. I'm quite sure that most people do not understand what they are losing if they do have an accident. Accidents happen and I know firsthand as my significant other had this coverage and an accident, and if not financially sound in the first place she would have been destitute! I believe that it is wrong to offer this insurance to anyone as a cheaper option, a broker hands a sheet over full of writing, and makes a couple of statements, do people really understand the gravity of what they are giving up? Thanks for your time. I certainly hope that common sense prevails and transparency in this instance. SGI being a provincial taxpayer funded organization should certainly be making efforts to approach the taxpayers on any rate increases, especially after handing out a surplus. And should be 100% clear on the facts before making such changes.

Just wondering if I could get a reasoning for my 2014 Yamaha Stryker motorcycle is mere dollars away for monthly insurance rates compared to say, a 2009 Lamborghini Gallardo.   My motorcycle is worth maybe $6000, and the car $130,000+  give or take !  Anywho any reasoning to this would be appreciated.  Thanks in advance.

This issue is extremely concerning, since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into the RED, insolvency! The Rate Proposal INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency. SGI is raising the Rates on motorcycles again, making licensing a motorcycle in Saskatchewan completely unaffordable.  It is no longer viable for motorcyclists in Saskatchewan to license long term, which means revenue from motorcycle licensing will decrease even further pushing the AutoFund into the RED. This issue needs to be addressed, and the Motorcycle Rate Increase Proposal needs to be pulled from the Rate Proposal immediately...!!! I would appreciate a response on this issue, at your earliest convenience...thank-you.

I don’t understand why we have to pay so much here in sask. I have a prefect driving record and pay almost 4 x what I paid in alb d for bike plates. This is outrageous and why are we punished for enjoying bike riding?? Something needs to change.  Even Ontario was not this much.

I’ve just seen the proposed rate increase for motorcycles, I cannot tell you how frustrated I am about this, I’ve been riding since 1966, never had an insurance claim ….ever, Hundreds of Thousands of miles, never had an accident, I ride everyday, it’s my passion, as I see it, you are going to financially stop people from being able to enjoy this wonderful experience, I also have a motorcycle in Arizona, I just renewed my registration, 5 years for 67.00$, because of my good riding record, my insurance has dropped to 185.00$ per year, I don’t know how another rate can be justified here in SK. The rates should be going down. I also don’t understand SGI’s thinking, one week we get a rebate, the next they put rates up, please have a good look at this, something is not correct! Thank you.

I don’t understand why you keep punishing the good responsible riders by upping their insurance to unreasonable amounts. Last time there was a rate increase fewer people pleated bikes now you’re reporting record low income what do you think it’s going to happen this time you’re going to lose more money then want another huge increase for the five people still plating a bike.  Why can you not implement some kind of plan like you do with the cars and trucks where the people with bad driving record pay the exorbitant fees. Could you please explain this to me because I don’t understand what’s going on I’m frustrated as is a lot of people are maybe I’m looking at this from a wrong angle I would appreciate your feedback on this thank you very much for your time.

I am raising concern involving the Rate adjustments. While motorcycles may be difficult to see, most riders are safe, responsible, and have situational awareness. The excuse I hear time and time again is "I didn't see them" which to me is a lazy excuse for "I'm not watching/paying attention." It seems that the riders are being punished for the lack of awareness of other drivers and the responsibility (and cost) have now fallen on the rider. Which is neither fair nor feasible when it comes to cost. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into the RED, insolvency! The Rate Proposal INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency. This is not viable and will either lead to motorcyclists not plating their bikes (and still ride anyway) or leading a call for a 3rd party insurer. It is within BOTH parties interests that this issue is addressed so that motorcyclists can afford fair and reasonable rates. Please contact me for more information if needed. Thank you.

The motorcycle rates are riduculously high and I feel that our freedom to ride our motorcycle has been subject to unfair rates I have never had an incident and yet the rates have increased to a point of not riding. We need options and basically live with no choices but voting Government representatives that will represent me not corporate ideologies

 I am writing to you to voice my objection to the proposed 2021 SGI rate increase, specifically the increase in motorcycle insurance rates. We are seeing rates for motorcycles increased by a much higher percentage than that of other vehicles. Saskatchewan's motorcycle insurance rates are far higher than most other provinces already. While I will acknowledge the fact that motorcycle accidents are responsible for a higher amount of injury related claims and thus may justify a higher premium, this amount should not be as high as what SGI currently charges or is planning to charge. The insurance on my $7000 motorcycle is roughly the same rate that sgi charges for insurance on a $300,000 Ferrari 488, and they are proposing increasing my annual premium by another $500! I can understand a small premium increase or a paying more than the average passenger car for insurance. However if I am going to be charged rates that are 2 to 3 times the annual premium of an average car, I would like to have the rationale behind it explained to me. SGI refers to the CLEAR damage rate group table as the reasoning behind it's rate changes, however the document's provided on SGI's website only mention passenger cars, light trucks, vans and SUVs and make no mention of motorcycles. I would very much like to see the study/report/document that shows that motorcycle claims accounted for 2 to 3x the financial cost of a passenger car claim on a per capita basis. In lieu of this documentation, the decision to increase motorcycle rates so significantly seems quite arbitrary and unjustifiable. If SGI is planning on increasing rates so drastically on motorcycles, then the onus is on them to provide a rational justification for the increase. Furthermore, none of this even begins to address an even larger problem with SGI motorcycle rates, which is that rates are determined based on engine cc and motorcycle type alone. This is problematic as engine cc is not always a good way to determine motorcycle performance. For example, many sport bikes have a ~650 cc v twin engine and are actually good intermediate beginner bikes as they usually only have around 50 hp. However a 600cc inline 4 sport motorcyle would cost less to register, and could have more than double the horsepower. It makes no sense that an entry level kawasaki ninja 650 costs more to insure than a ninja 600 race bike. SGI seems okay with unfairly charging thousands of customers unjust and inflated premiums simply to avoid the complexity of determining motorcycle rates based on the vehicle make and model, like they do with all other light vehicles. I would like to request that SGI make available the rationale and justification for their current motorcycle rates as well as the proposed increase, as well as demonstrate that motorcycle claims account for 2-3x the financial cost as light vehicle claims on a per capita basis, in order to justify their charging of 2-3x the average passenger vehicle rate.

Since the rate increase that put my 650 vstrom at $135.00 monthly I have chosen to only insure and plate the bike for a week to a month at a time. A lot of riders are doing the same. I don’t see a raise in insurance doing anything other than continuing and increasing that trend

Since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into the RED, insolvency! The Rate Proposal INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency. Not only is this system of raising rates that are already far too high unfair it is also incorrectly focused. It begs the question as to where the exects making these decisions think that motorcyclists are going to find the extra money to pay for these inflated plate prices? 

I’m writing this on behalf of SGI’s proposed rate increase regarding motorcycle insurance. Being very passionate about riding motorbikes in this province like so many others who also enjoy the thrill of the open road, i cannot understand the reasoning behind the rising rates which are crippling the industry in this province so much, and discouraging new riders on getting their licence. The new program set in place for training is definitely a plus to new riders. There are great instructors out there with many helpful tips for beginners, i strongly believe motorcycle riders in this province have to be some of the most alert and cautious drivers on the road today. We all want to ride another day. But this rate increase is one of our biggest challenges yet. I personally commute to work and back on my bike everyday i can rain or shine. But the added insurance makes it hard to pencil in the cost of ownership. I have a 2017 Honda dual sport and with a safety rating of +8 I pay 188$ a month, plus another two vehicles I have insured with SGI as well. I pay less for my house insurance through SGI. Anyways, please consider the rates as a crippling blow to the passionate riders of this province. You can call me anytime at 306-941-9571.

Why has SGI singled out motorcycles, increasing rates to the point they've become unaffordable? Since 2009 rates have been steadily increasing, and are now to the point that riders are no longer purchasing plates and insurance for the long term. This has resulted in a drastic reduction in the revenue stream for the motorcycle portion of the AutoFund...which is reaching insolvency. Yet another rate proposal increase is sitting in front of the Rate Review panel...which will worsen the problem, pushing the AutoFund further and faster into insolvency. SGI should reconsider this rate increase proposal if they want to keep the AutoFund out of the red, by making plates/insurance affordable for those that choose motorcycles for leisure (permits), or for folks such as myself:  their main mode of transportation during co-operative weather (plates/insurance). I'd like to be able to afford to plate my motorcycle, but at this point I'll be selling it next year...as I'm sure many others will. A lose-lose situation for both sides, rider and SGI.

I am writing in the hopes that you will rethink your rates for motorcycles. I haven't owned a motorcycle in 2 decades, the last decade has been solely because of the cost to register. That exact bike from 20 years ago actually cost more to register now. Please rethink your rates and move them to be more in line with the rest of the country.

I am writing in regards to the Proposed Rate INCREASE presently in front of the Rate Review Panel. Since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. I work in the transport industry as a truck driver and as a result my riding time is restricted to generally every second weekend. Previous to the 2009 increases I plated my bike for the year because it was feasible but these increases no longer make that a fiscally viable option for myself. Since the 2009 increase I no longer do that due to the cost. Example: Currently my 1993 touring model motorcycle with a replacement value of less then $10000 would cost me approximately 15% more to plate then my 2020 sports Sedan with a replacement value of 6 times that. As a result myself and a substantial portion of the motorcycle community no longer purchase license plates and insurance over the long-term. Instead opting for shorter term or permits, which I would assume has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is going into the RED, insolvency! The Proposed Rate INCREASE presently in front of the Rate Review Panel will worsen this problem, pushing the AutoFund further and faster into long-term Insolvency.

I am providing this letter as feedback to the 2021 SGI Rate Proposal that was submitted in June 2021. I appreciate your attention to this matter. I am sending this letter as both a tax payer and someone who does own and ride a motorcycle. Since 2009 SGI has singled out motorcycles and increased motorcycle rates in Saskatchewan to where motorcycle insurance in Saskatchewan is completely unaffordable. As a result, the motorcycle community no longer purchases license plates and insurance over the long-term, which has drastically reduced the traditional revenue stream of the motorcycle portion of the AutoFund, the result is the AutoFund is losing significant revenue! The Rate Proposal presently in front of the Rate Review Panel once again contains significant rate increases for motorcycles. This will worsen this problem, pushing the AutoFund further and faster into revenue deficiency. Did you know that the annual cost of plating most motorcycles currently exceeds over 30% of the motorcycle's market value? This is unacceptable. In no other jurisdiction in the country is it this expensive to insure a motorcycle. SGI has so far maintained that these increases are due to the high expense of motorcycle claims due to motorcycle accidents. However, over the past few years, SGI has been shown several errors in their calculations and how claim amounts are assigned to motorcycles, wheareas motorcycles have been assigned the full claim amount for accidents where they are not at fault. These claim amounts should be assigned to the vehicle/driver that is at fault, as is done for every other vehicle on the road. This would result in the revelation that motorcycles are being unfairly targeted and rates are much too high to maintain the fund. It appears that in the midst of issuing rebates to private vehicle drivers (due to mismanagement of rates previously) SGI is targeting small groups (IE Motorcycle owners, campers, etc) to claw back these rebate dollars. The current rate proposal is unfairly targeting these groups and is unacceptable. SGI needs to be more transparent with how they are calculating these claimed 'deficits' to the general public. I would very much like to hear your thoughts on the matter.

The rate increase for sport bikes is absolutely unacceptable. The cost to insure a bike is often more in two years than most bikes are worth. Increasing an already exorbitant cost is wrong. There are so few motorcycle riders cause of the insurance, much less sport riders, and the reason is insurance rates. Please reconsider.

At a time when EV adoption should be promoted and while other jurisdictions are promoting EVs with incentives, it is very disheartening to hear that Saskatchewan may be increasing insurance rates for EVs while decreasing rates for many gasoline powered vehicles. I ask that the SRRP sets politics aside and does the right thing and declines the province’s application. EVs are among the safest vehicles on the road and in areas with a bigger sample size the numbers show this. EVs may cost more to repair right now, but these prices are coming down and are a product of the fact that EVs are relatively new to the market. EV owners pay more for their cars in part because they are trying to do the right thing. Please do the right thing and deny the province’s politically motivated rate increase.

I just wanted to write to say it's kinda weird that you would be increasing insurance rates on EVs like Tesla in addition to the new Sask $150 EV fee, while decreasing costs for some gas drivers. It is clear that this rebalance proposal is skewed against EV adoption. Why does the rate review panel not seem to care about the best crash safety tech in the world? Data now shows you have the best chance to survive similar-accidents in a Tesla, versus any other brand of auto.

 I wanted to ask about what data is being used to justify the rate increase on Tesla vehicles? We own a Tesla Model 3 AWD 75D, and data shows that it is one of the safest car on the planet, and uses driver assist features that reduce accidents and lower probability of injury. https://www.tesla.com/en_CA/VehicleSafetyReport In addition to this, it seems like Electric Vehicles are being unfairly targeted for additional costs and fees, which negatively affects likelihood of adoption. From an environmental perspective, this seems counterintuitive, wouldn't we want to encourage more people to lower their impact on carbon production? Raising fees for Tesla vehicle insurance is counter to this objective. Thanks for your time, Respectfully, SGI customer.

I would like to address the rate hikes for Electric Vehicles. After implementing a “road tax” and now raising the insurance rates for EVs, it starts to paint a picture of a very political agenda from this government and their crowns. While most other provinces are incentivizing people to buy EVs to save the world for our children, SGI and the SaskParty are making it more expensive. Most modern EVs, Tesla’s being the majority, have advanced safety features and are rated by the NHTSA to be the safest vehicles ever built. This should make insurance rates lower not higher. Make no mistake this rate hike on EVs has NOTHING a to do with insurance costs. It is political and personal. Please do your job, learn about EVs and their benefits, and reject this nonsense from SGI and the Saskatchewan government!

I noticed the costs to insure Tesla vehicles is substantially higher, ~$200/year per car. There’s less than 400 Tesla on the road. I wanted to ask you two questions: 1. How many Teslas have ever been written off in Saskatchewan? I ask because this would have a significant impact on the rebalancing, depending on the cost to repair for instance. 2. Tesla cars can ship with full-self-drive as a $10k option, or people can download it into their cars after the fact. What's SGI's plan to deal with the fact that cars have DLC on them? It's not really a "major modification" when you can just download the software, yet it fundamentally alters the vehicle's value substantially - and SGI's response to "you bought it for $70k with FSD" and "you bought it for $60k but then you bought FSD later" could vary."

Sgi just gives back all this money due to a surplus, and now your going to charge people upwards of $200 more a year for plates on vehicle that already cost way to much. This is ridiculous!

I am upset that the insurance cost of my 2014 Nissan Leaf is rising by almost $150. This is in poor taste, especially after the government is already applying an EV Levy of almost the same amount. Meanwhile, my other vehicle is going up only by $50. It's a 2014 F-150. I am upset that this older vehicle is going up in costs to insure. SGI and SGI Canada are some of my major expenses every month, and it just keeps getting worse, and it's really difficult for someone to get by with all this added cost.

I am writing you to strongly oppose the generically applied rate increase that SGI is proposing. Tesla vehicles have the lowest probability of incidents of all vehicles due to their advanced active safety features and autopilot functionality. As can be seen in the data below, Tesla’s are at worst 2x less likely to experience an accident than an average vehicle and on the high end 10x less likely. Tesla is able to provide specific telemetry data (source: https://engage.tesla.com/articles/507-q1-2021-safety-report). I am urging you to use a data-based approach when reviewing rates, and to not use a generic approach, especially as it relates to Tesla and their proven track record with incidents occurring 2-10 times less frequently than an average vehicle. This data should be factored into SGI’s annual rate. Not doing so is a disservice to citizens. I look forward to hearing from you on this important issue.

If SGI wants to increase EV plates for road tax, then maybe it should also consider taxing the people who use the roads for their disability scooters and many, many bicycles that are on the roads too. These light cars are not damaging the roads . Only 40 in the province. Semi Drivers and trucking companies, city buses should all be taxed way more than a person who is going green. Maybe Moe should give a 3,000 dollar rebate for going green, like BC does.

I would just like to express my displeasure with the proposed rate increases for my newly purchased electric vehicle. On top of the new $150 EV Tax, my rate is set to increase a further $160/year. What the heck is going on? We should not be punishing those taking on a higher financial burden with early electric vehicle adoption any further. Not impressed, will be following through with my elected official.

How can you justify a 13% increase in my motorcycle rates in one year Absolutely unacceptable. In Alberta I could get this bike plated and insured for one third of the cost. Sgi needs to be subjected to competition from other insures!! Disgraceful!! Shame on you all. !!

The proposed rates for motorcycle registrations is absolutely absurd. Considering that in 2013 Brad Wall acknowledged that these rates needed to be repaired,  and furthermore considering that a committee known as RAGE has been meeting with SGI several times over the past couple of years to present accurate information on motorcycle issues, and trying to work with SGI to reduce the rates to more reasonal fees. SGI gave the impression they were actually listening, and 24 hours after the last meeting, came out with a proposal that in most cases, raised rates even more. My wife's bike and my own are both going up nearly 300 dollars each. Absolutely ludicrous. Im very unhappy and would like someone to contact me on this matter. My number is 306 490 2053

I have 10 license plates registered with SGI.  According to this proposal 9 of those 10 plates would be increasing, only 1 would decrease.  This is an unfair proposal.  They make it sound like azero increase and that 52% of vehicles would decrease and 48% would increase.  Not in my case 90% increase and only 10% decrease.  Same goes for a lot of the people I have spoken with.  I am highly not in favour of the rate increase at all.  Especially after they just gave us all rebates telling us that the Auto fund was overfunded.  If they were overfunded should all the rates not decrease?  I say this is highway robbery.

I would like to voice my incredulity and disgust with respect to the proposed motorcycle rates. The motorcycle rates in this province are already cost-prohibitive, with annual costs exceeding 25% of the actual market value of most motorcycles. I completely disapprove of this proposal, because I believe it amounts to price gouging with no basis. To date, I have not seen SGI provide any factual evidence as to why motorcycle rates need to be so high. Every statement that has been made is vague and very much appears to be based on conjecture, rather than actual facts. At the very least, I would like the panel not to approve the proposal. At best, I would like the panel to demand SGI provide the panel, and the public, with a transparent explanation of why a person is being expected to pay over $2,800/yr to plate a motorcycle that is worth $10,000. The incentives for motorcycle safety courses and the graduated licensing program have been immensely successful in reducing claims - this should be reflected in insurance rates. Nowhere else in the country do motorcycles cost as much to plate and insure as in Saskatchewan.

I ride a cruiser over 1500 CC’s and it is a 2007 that I ride on weekends only and now SGI wants to raise my rates by near 300 dollars. This is rediculous. I ride about 3 to 4 days a month and now to be hit with rate increase. If SGI just wants bikes off the road just do it as the new rates are as far as I am concerned are robbery. As a 70 year old I have problems with this. I wait your reply.

I am extremely upset about this rate proposal!  I am a mother of 5, and normally I just drive a regular old SUV.  But in the summer, I like to ride my 2016 scout, get away from mom life for awhile.  But SGI is making this almost impossible to do with these rates.  It really seems that SGI hates bikes on the road.  And that is unfortunate, because the gas emissions are less, it is something we can do that is a social distancing activity, and some of the best people I've met are bikers. My husband also rides, and we have went from licensing our bikes for the year, down to the summer months, and now I just decided to put a permit on when I want to ride.  We have also started taking the plates off our other vehicles when we liscence our bikes.  These prices are getting outrageous.  We can't afford it anymore.

Your increases for the 2022 year are a complete joke. You are robbing the motorcycle community and should be ashamed.

I am writing to voice my opposition towards the proposed auto fund rate increases for motorcycles. Training and learner requirements are now (rightfully so) very high, requiring a training course and 3 years of graduated learners. The riders of today are much more highly trained and responsible than those in the past. Additionally, the rates for licensing motorcycles is becoming very unaffordable with some bikes at more than $4000 per year. These rates are not competitive or even comparable to neighbouring provinces like Alberta where they pay less than $1000 for the entire year. I urge you to please consider the cost burden you are placing on motorcycle riders and the damage to the industry and jobs for dealers and shops around the province. I know so many people who have stopped motorcycling or won't even try it to begin with due to the astronomical registration fees. I understand it comes with more risk, but as I mentioned, the graduated learners and training required today makes riders better prepared. The current rates make riding too costly for many to even try it, but perhaps that is your goal? If so, I urge you to reconsider.

The insurance premiums associated with our two vehicles are increasing by 6% ($98/year) and 9% ($133/year) respectively. SGI is quoted in the media as saying “by rebalancing rates so some vehicles pay more and others pay less, we can move closer towards rate fairness”. There is nothing “fair” about imposing a 6% to 10% increase on customers. An increase or price shock of this magnitude points poor planning and poor management. I’m not aware of another business that can hit customers with a 10% increase on the basis of “fairness”. Providing a “rate rebate” of $500 on average, which ratepayers are still waiting to receive 6 months after it was announced, then subsequently announce a rate increase of nearly 10% or $220 in my case, is as ridiculous. SGI has spent $1 million dollars processing “rate rebates” only to take 50% of money back before it’s paid out. This is a waste of taxpayer resources. If there was open competition for basic auto coverage in this province, SGI wouldn’t be able to play these types of games and shenanigans. As a SGI customer for 30 years, I can count on one hand how many claims I’ve made. I’m maxed out on the Safe Driver Recognition discount scale, a program that SGI refuses to make material changes to. The net result is that some of the best and lowest risk customers continue to get gouged by these increases. This concept is otherwise referred to as “cross subsidization”. If SGI is experiencing higher repair costs to fix vehicles involved in accident claims - then it’s time to take more aggressive and punitive actions against those drivers. Stop going to drivers that pose very low risk to fund these ridiculous increases. This concept is otherwise known as “user pay”.

I am writing about the proposed rate increases. SGI mailed out 285 million this month to address over charging and excesses and according to reports it cost 900,000.00 in mail and admin fees. Now you’re going to increase. This is a shell game. You give a rebate to appease the public and then pull the wool over their eyes with an increase. In this year of Covid families are hurting financially. Many lost jobs, face financial difficulties and you would go and increase rates? Right after giving a rebate. Why wouldn’t you have just kept the money and saved mailing costs until such time as you knew of the rate increase would be accepted then determine a rebate. This is just a perceived bait and switch and it’s really opportunistic and there should be no rate increases given Covid and the current economic environment. Plus Sgi already has 800 million remaining after the recent rebates and this is our money and you want more knowing you have 800 million left in the account? This is really disappointing and all it would do is overburden us once again and result in you pushing your account over a billion dollars in a couple years and then offering a rebate come election time. Truly sad and I’m a sask party supporter and I say this.

This is a message for the rate review panel regarding SGI's application for rate re adjustment which is a bunch of crap in 2021 especially regarding motorcycle rates in this province. They are out of this out of this world out of site. We've gone through this before. There is no justification for raising the rates any further in this province I could go back to Alberta and license my motorcycle for one third of the cost but it's talking(?) me in Saskatchewan. I do expect a response to this and wish that the rate review panel but did not i-sgi(?) increase in motorcycle rates insurance rates in this province for 2021 and beyond.

I just wanted to provide some feedback for the rate review increases to specifically the Dodge Ram 1500 trucks. If you compare the 4 x 4 crew cab two 4 x 4 quad cab which are virtually the same vehicle just slightly longer rear doors. There's a sizable difference in the increases that are gonna cover for the crew cab which is what I have and those rates seem to be extremely high compared to other vehicles but just comparing the two models of virtually the same truck. Just the slightly different configuration they shouldn't be that much of a difference.

I was reviewing the proposed rate changes for specifically Dodge Ram 1500 trucks. The crew cab 4 x 4 versus some of the other models I have a crew cab 4 x 4 comparing the proposed rate increase between that and the quad cab 4 x 4 there's sizable difference in the increases and I don't know if that's warranted. It's virtually the same truck except for the fact that the crew cab is a slightly longer truck. The doors are larger on that yes there are more of the problem with the crew cab 4 x 4 trucks out there on the road compared to the quad cab but there shouldn't have been that sizable of a difference in in increase several hundred dollars more just for having the crew camp(?) if someone could please review that information and some of the other models as well it seems like in general the Dodge Ram trucks the 1500s are very high insurance compared to other manufacturers and there are a lot of those trucks on the road so undoubtedly they're involved in more accidents but it seems like that shouldn't be the case as far as the rate increases.

Your actuaries have ROYALLY SCREWED up here. I cannot believe that SGI is still here. I will fight this outrageous rate increase and do everything I can to see SGI dissolved in our province. It is time for some serious change. Your rate review in respect to motorcycles is criminal. I use my motorcycle as my primary transportation and your are taking that away from me. YOU CAUSED THIS debacle with your severe increases. You caused the MC Auto Fund Revenues to drop. You are the reason the MC portion of the Auto Fund is teetering on the edge of financial trouble. It's time for you to go back to the previous modelling and stop pillaging the motorcycle community.

 I will quote 6.19 of the SGI Auto Fund 2021 Rate Proposal. "....fewer motorcycles are being registered and their owners have insured them for shorter periods of time. These trends are reducing the total amount of motorcycle insurance premiums available to cover motorcycle claim costs. ...." I am a firm believer that the opposite is true. If the annual rates were to be lowered, more people, myself included, would choose to plate their vehicles for the full year. I strongly believe that if SGI was to consider a fair a reasonable yearly rate, more customers would choose yearly coverage. There should also be a consideration as to coverage on multiple vehicles. As an owner of multiple vehicles of different classes, I cannot understand why there is not a proposed reduction on second, third and so on vehicles.