SGI Auto Fund

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

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

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

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

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

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

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

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

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

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

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

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

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

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

VEHICLES DO NOT cause this insurance to be needed and used....DRIVERS do! 1. Want the BAD DRIVERS TO PAY 2. NO Rate Increases to Motorcycles UNTIL the results of the implemented changes are known! Cartmell himself has said there will be a 20% reduction in accident and injury claims as a result!!! NO MORE INCREASES! 3. ROLL our RATES Back to pre-2012! 4. ALL Personal Insurance should be on our drivers's licences NOT our vehicles Thank you

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

Dear Sir or Madam: The interesting part in all this is that WHEN our Insurer needs to increase funds due to “High-Risk” behavior (increased injuries, claims, damages, etc.) they only do so on the vehicles. Not since 2003 has there been a change to increasing the fees on Drivers Licenses which would be paid by those directly demonstrating “High-Risk” behavior!  R.A.G.E. has come up with a solution for the continued shortfall and ever increasing rates on our vehicles. Simply bring back what was taken away in 2003. The 3-year “High-Risk” surcharge on Drivers Licenses for those who exhibit high-risk driving behavior. LEAVE our vehicle plates alone! This addresses ALL driver behavior. Not vehicles, but those who drive them. ALL of us! Yours truly

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

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

I am probably one of the few motorcyclists who does understand SGI's position.  I hope the changes over the past year will help drop rates.  According to the SGI website, rates themselves seem they will be static, but I do think there is a flaw with the 2014 fee increase to protect the reserve. They said that mostly weather and storms (hail) really diminished it.  However, of the small percentage of vehicles being motorcycles, an extremely small amount would have had the type of claim the rate stabilization was affected by.As result, to cover unusual circumstances that drained the reserve, the increased fee to all motorcycles (but small total number) on top of the high rates we are trying to remedy, I feel is ineffective and in effect, motorcycles, however little, are subsidizing the general province wide motorpool expenditure that motorcycles were no a part of.

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

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

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

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

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

I think that Saskatchewan motorcyclists are getting a little fed up with the outrageous rates that we are paying...perhaps it is time to privatize....several of the SO CALLED...Crown Corporations.

Would be there a chance of holding a SRRP meeting for the SGI rate proposal in North Battleford?

Please refuse SGI the general rate increase. The cost of wage replacement does not to be paid by SGI. Make the wage replacement an option for those people that do not have an extended sick leave benefit from their employer. Wage replacement cost is a very large part of the SGI benefit our rates cover. If the wage replacement benefit is made an option the rates could decrease instead of going up each year and nothing changes.

SRRP PRESENTATION April 7th 2014 Good evening, my name is ? and I am an active motorcyclist in the province of SK. I am here to speak up against the unfair and unrealistic continuous rate increases not only on motorcycles but on all Vehicles. First off I would like to ask a few questions of the SRRP. 1. If your recommendations do not have to be followed by SGI, as we saw last year, when it was suggested that there be no more motorcycle rate increases, why do we go thru this farse of a rate review process, when in actuallity nothing is going to be done? 2. I realize that we are all here are a nice evening listening to a bunch of borrowing stats that in the long run most likely don't mean anything to SGI and they just want to go home and make sure the insurance hikes go thru and they all get their bonuses but Could we all show each other mutal respect and please put our cell phones away, are we not here for a reason other than twitting, texting or facebooking. You can ponder on that question while I continue with my presentation. Last year SGI had stated that we have the highest deaths in vehicle accidents in Canada and they do not understand why. Yet I am sure everyone in this room can tell you the exact reason why, BAD Drivers, simple really. In this province we have: 1. Police that do not give out tickets except on a blitz week. 2. We have people who on a regular basis run red lights and stop signs when making right hand turns 3. On a regular basis I can count as many as 30 people who are using their cell phone while driving, and that is only what I have seen on Albert street on my way home to Lumsden, never mind the ones I see on highway 11. 4. Every morning and every evening coming and going from Lumsden 100's and I mean 100's of vehicles are travelling at speeds in excess of 125 km when the speed is only 110 km. I am lucky if I see 1 get pulled over. 5. People driving with their pets sitting on their laps jumping around, People with their kids on their laps, kids jumping up and down in vehicles, people putting on makeup while driving or reading the newspaper.... 6. Last year a gentleman stood up here and stated he bought a certain type of trike because it was safer than motorcycles, unfortunately this is the kind of mindset SGI is propogating, that a style of motorcycle is why accidents happen and should cost more to insure, when in fact the reason for accidents is the driver or rider, not what they are driving or riding. 7. One last story, the school speed limit in Lumsden is 30 km/h, a student was caught doing twice the legal limit in a school zone and was let off with a simple warning. These are the streets our children walk on and even though he was only doing 60 km/h he was doing DOUBLE the posted limited. Letting him off with nothing more than a warning is certainly not teaching him anything, we as a community need to be firm with our police forces, WE WANT BAD Drivers charged, licences taken away, more and better driver education. Why does it always take someone getting killed to get the dialogue going, why not do something now instead of raising rates, training people to be better drivers. Do I need to go on, or is it yet painfully obvious why we have the most deaths by vehicles. Throwing money at a problem rarely solves the problem and more often than not will cause more of a problem. So those are a few of my reasons but I didn't come here just to complain so here are some of my opinions on suggested solutions. 1. Mandatory lic retesting every 5 years for everyone, if you fail you have to take a mandatory driving course and retest. 2. Mandatory motorcycle training before being able to get your motorcycle lic. 3. We need serious changes in our licincing laws, every infraction, every accident, everything should go on a persons personal lic period. - vehicles do not cause accident the people driving them do. 4. If a person has their lic suspended they should have their car impounded because as of now suspended drivers ignore the fact they don't have a lic and drive anyways, We as a community who are striving for saver roads and hwy, need to get BAD Drivers off the road and we need to do it now, not tomorrow These are only a few things I believe can be done to improve the safety of our roads and Hwys. It seems to me that the rate hikes are more about money than they are about saving lives and isn't that what this is all about, saving lives, making Saskatchewan a safer place to live and bring up a family.

When we ride we get cutoff buy cars and trucks and were the ones getting punished canada is getting to be the worst place to live at a price increase like this is Teribal all are bikes will be worth nothing no one needs to have a grade 12 education to no that is not right you need to rethink this out

This is Teribal every year you want to bring up motorcycyl insurance when most accidents are caused by drivers in cars and trucks I use my bike as a regular vehicals you need to sit down and think ov what you are doing its ridicules me and my wife eatch ride those prices are ridicules you need to give your head a shake

I do not think another nearly 6% increase in car plates is needed. SGI increased rates just last year and now wants a further increase just to increase a reserve fund.  Tell the Sask Party not to raid the divedends and leave the company some money to operate with With water and power rates increasing as well as telephone and gas we do not need another increase.  \motorcycles should be paying their fair share.  For to many years they never had a rate increase and are the most dangerous to operate. \increase their rates more!

"Hey good afternoon.. Relatively new resident to a covenant of Saskatchewan. I want to get a license and insurance for my motorcycle yesterday and was I didn't end up getting insurance I was stand at the cost I was going to be charged $2576 to insure my motorcycle here in Saskatchewan. My previous insurance in MWT in Alberta was $244 for the entire year that's a million dollars liability coverage. No no health coverage for myself on that but I'm just wondering if what my options are here because I cannot insure my motorcycle with those kind of rates and I'd be needed for work this summer. So I would appreciate if someone could get back to me and just explain to me what my options are here cos yeah it's pretty clear to call. I understand there's a reason review that's going on and I have got a record in front of me that I'm looking at online."-

No more rate increases for motorcycles. Roll the rates back to pre 2012. Use your brains go ride a bike around this province, maybe one of our city's. You will see in short order, we are not the only ones to blame for accidents involving motorcycles!

Refuse SGI another rate increase. All the insurance rates we pay are on the vehicle. The vehicles don't cause the accidents, the drivers cause the accidents. Make the insurance on the person and when they are bad drivers, they pay more. When the person is a good driver they pay less. Just because someone has a vehicle that can drive 200 km/h does not mean the person will drive it that fast. Most accidents are the fault of one driver or another not the vehicle, therefore the cost to register a vehicle should be many time less than what is costs with SGI. I register and plate three vehicles and that means I have three insurance policies but if I am involved in an accident, I am only paid out on one of those three policies. Something doesn't make sense there. One policy per driver no matter what they are driving. If you are a good driver, the policy costs less. If you are a bad driver the policy cost more. The registration on the vehicle is the same no matter who drives it. Time to change things and insure the person not the vehicle. Most of the cost in an accident is to assist the people to recover. The cost of the vehicle is very small compared to the cost of rehabilitating an injured driver.

I am a Motorcycle enthusiast and request you please reconsider your plans of raising the rates for registration and insuring motorcycles.  Or if you could at least change your reasoning behind the extreme hikes.  It is my opinion that if you are a poor driver, it does not matter what type of equipment you are operating - danger is still dangerous.  As far as motorcycling goes, it is harder to get experience and hold our heads high when it is because of someone else that our driving records get penalized.  To clarify, I have been in a single vehicle accident with myself, and have paid the insurance deductible, licked my wounds and have carried on.  My accident was clearly due to inexperience and I DID take the 400.00 course to learn skills, which for the record, has been extremely beneficial.  However, sadly since then I have had several encounters with 4 wheel vehicles, both big and small, and avoided several scenarios to which I would have been the injured claimant AGAIN, but to no fault of my own, skills or no skills.  This should be handled differently as the poor drivers are affecting others, not necessarily themselves, as they are not being addressed.  I feel instead of charging the vehicles to be on the road, we actually charge the drivers……………….my license to drive is higher because I have been penalized………….enough said, and is due to my own carelessness, but to have to pay a ridiculous, almost unaffordable amount - because of anticipated information, this just isn’t logical.  This is only going to stir up a pile of people who will take different measures, good or bad, you will not get your money and will need to go after others to get it, seems redundant, when the accidents are still going to exist because you are not addressing the original problem of poor drivers and lack of skills…….thanks for taking the time to listen and hopefully consider the next step you guys make.

I am a Motorcycle enthusiast and request you please reconsider your plans of raising the rates for registration and insuring motorcycles. Or if you could at least change your reasoning behind the extreme hikes. It is my opinion that if you are a poor driver, it does not matter what type of equipment you are operating - danger is still dangerous. As far as motorcycling goes, it is harder to get experience and hold our heads high when it is because of someone else that our driving records get penalized. To clarify, I have been in a single vehicle accident with myself, and have paid the insurance deductible, licked my wounds and have carried on. My accident was clearly due to inexperience and I DID take the 400.00 course to learn skills, which for the record, has been extremely beneficial. However, sadly since then I have had several encounters with 4 wheel vehicles, both big and small, and avoided several scenarios to which I would have been the injured claimant AGAIN, but to no fault of my own, skills or no skills. This should be handled differently as the poor drivers are affecting others, not necessarily themselves, as they are not being addressed. I feel instead of charging the vehicles to be on the road, we actually charge the drivers……………….my license to drive is higher because I have been penalized………….enough said, and is due to my own carelessness, but to have to pay a ridiculous, almost unaffordable amount - because of anticipated information, this just isn’t logical. This is only going to stir up a pile of people who will take different measures, good or bad, you will not get your money and will need to go after others to get it, seems redundant, when the accidents are still going to exist because you are not addressing the original problem of poor drivers and lack of skills…….thanks for taking the time to listen and hopefully consider the next step you guys make.

"Yes this is SGI rate increase that they're talking about 2.7 and then 3.7 on on top of the other. With the 6.4 percent increase that's atrocious. But if they're going to apply an increase they should apply it equally across the board to all vehicles not just dumping downing and charging more on the old vehicles and less on the new ones. So basically what they're doing is they're trying to they've already had 25 percent increases in the last 2 times on the older vehicles and now the only and that was only with a 1 point something percent increase. Now they got a 6.4 that's gonna be doubling the prices of a licenses as they they've already been inflated 2 or 3 times and that's just totally highway robber. That's not something that's sustainable it's just a matter of."-

To whom It May Concern I must express my utter disgust with the proposed increase concerning motorcycle insurance. Personally I think that more research and discussion should take place before there is any further talk about this matter.  Do not penalize everyone for people’s lack of skills while behind a bike or motor vehicle. Instead of hiking the motorcycle insurance it would be better to spend money on motorcycle safety training and have a campaign in place to ensure drivers of cars and trucks are aware of motorcycles on the road. In the short and long term this type of concept will not only save money, but most important of all lives. I am strongly opposed to general increases to motorcycle rates.

Hi Folks I just registered a motorcycle yesterday and am still suffering a little bit from price shock. I also have a car registered. I have been sick for a number of years and am just now healthy enough to ride a motorcycle again. I am a little wiser now and like to know that when money goes out, I know and understand why. This is very important, which brings me to this question. If I am already buying liability insurance when I register the car, why am I buying it again when I register the bike. If I had 10 vehicles, I would be buying liability 10 times. There is no way I can be in 2 places at the same time, let alone 10 so why do I pay more than once for the same insurance. I had a brief brush with an insurance career 20 years ago dealing with sawmill property insurance exclusively, and I took about 1/2 of the classes towards an underwriter’s designation. I don’t remember much but I do remember that there are principles guiding insurance theory and charging for the same thing twice to the same customer is poor policy (not a pun). I have been riding motorcycles, with a few interruptions, since 1973 - 41 years. The only time I was in an accident was in 1976. I was at fault and was irresponsible, but I learned a valuable lesson about safety that day. I can’t help feeling that I am being taken advantage of by our government and it feels terrible. I love this province and am proud of our Crown Corporations and this hurts. It is not the money, it is the principle. It is just not right. Why am I not buying insurance as an individual? Why is this insurance tied to my vehicles? These are clear and distant questions and I hope you can clear things up for me.

Good day. I see that we are yet again going to have a night of theatre where Andrew Cartmell spouts off about how much money he needs to keep his illegal monopoly afloat, and the good old rate review panel gives him the big rubber stamp of approval for every dime that he wants. First of all, wondering if anybody on the rate review panel actually owns a motorcycle? I bet not. Since all of this started way back when Mr Cartmell took the reins of SGI, the rate review panel has been there having these annual nights of theatre, where we hear all the complaints of the citizens of Saskatchewan fall on deaf ears. The annual result is for Mr. Cartmell to get every dime of increase that he wants, with not a single penny less. Then rate review panel defends their actions by saying they are not a rubber stamp program, yet annually Saskatchewan motorcyclists’ insurance has gone up by every single last percent that Mr. Cartmell has demand since his inception as CEO of SGI. Nothing has been done to reduce the number of horrible car drivers in this province - nothing has been done to improve motorcycle safety in this province. Nothing will continue to be done to reduce the number of horrible drivers in this province, and SGI will continue to punish good drivers/riders for the horrid ones out there. Why then, might I ask, do we bother continuing with this charade that is the rate review panel? The simple solution to this problem that Andrew Cartmell has with motorcycles, is to stop insuring them all together. If you are losing so much money annually, then just stop. Cut all motorcyclists off, and let the private sector take care of them. Why is that so difficult for you to do? Could it be that Mr. Cartmell really is not losing that much money annually, and is actually making significant amounts of money due to the fact that all motorcycle owners also insure at least one other vehicle annually? Could be. I have had enough. I will be actively seeking employment elsewhere in this country where I am not considered a criminal for riding my motorcycle. Mr. Cartmell can continue to raise insurance rates as he pleases with the help of the so called rate review panel, because I will no longer be paying SGI to “insure” my vehicles. Have a good night at the rubber stamp theatre. ***** Currently Saskatoon, but not for long.

My Saskatchewan vote and say; says NO NO, and a shake of my head, bound and determined to increase MY rates, as if we aren't INCREASED at every way in this life of having to pay for gas/food/water/light/heat/we are not getting help anywhere in Sask, and no one anywhere else is either, why not look at what the administration is getting paid? Cut expense accounts, ya right eh? We at the coffeeshop, dress store which I own and other places are talking, one of these days and hopefully soon, the public will wake up and everyone will be on track, on the same page and say no, no more abuses, we can't hold up at a 20,000 dollar a year and pay tremendous amounts for all that I mentioned and more. Is anyone listening, I doubt it, ill get a form letter bull from you and SGI will do whatever they want.

I think that Saskatchewan motorcyclists are getting a little fed up with the outrageous rates that we are paying...perhaps it is time to privatize....several of the SO CALLED...Crown Corporations.

Would be there a chance of holding a SRRP meeting for the SGI rate proposal in North Battleford?

Please refuse SGI the general rate increase. The cost of wage replacement does not to be paid by SGI. Make the wage replacement an option for those people that do not have an extended sick leave benefit from their employer. Wage replacement cost is a very large part of the SGI benefit our rates cover. If the wage replacement benefit is made an option the rates could decrease instead of going up each year and nothing changes.

after looking over the rate increases I am questioning the reason that SGI is losing money. Perhaps their business practice is the problem. When I have questioned about why certain vehicles cost more, the answer was "due to the number of that vehicle type being in accidents" well answer me this, why is it when there is only 425 of one type of vehicle made in the world is it that SGI is raising the rates on this vehicle, of those 425 how many have had claims in SK (by the way I believe only 3 of these vehicles are in SK). Perhaps it is time to stop raising the rates of Sask residents to cover for poor management skills of those at SGI. It is past time that private insurance be allowed in Sask. which would keep SGI in check. Here is another question SGI sells coverage for vehicles in AB at a lower rate than what we pay here, why is this?

Dear Rate review board. Once again i am writing to you about the proposed SGI increase.  Sgi has continued to increase the rates of insurance in the province yet has not increased coverage or benefits.  They have increased motorcycle insurance rates since 2007 steadily for an total increase of over 80%.  This is not comparable to other areas.  According to SGI 50% of all motorcycle accidents are the fault of the motorcycle , this is a unbelievable as then we are the only area on the earth that has this ration.  Every other area records the same data and it is 80% vehicles and 20% motorcycle  this is world wide data.  SGI is not telling the truth SGI is supposed to be offering our province a fair and cheaper rates to our people, yet we are now higher than many other provinces’ for the same insurance.  It is supposed to be fair to all drivers in our province.  I urge you to send back the proposed increase to SGI and reject it.

"Hi my name is ___ there some phone no. ____. Just calling about the review that you handle I think you have try till half the rates that the rates up I think I I leave the paper and they got to many imply you know that kinda ___ I wonder they know they said plenty ok ___ their own body shop in the city to fix car and then I'll will give off pay the private pawnshop hundred high rates which had go on body shop in city and have their own plenty needs and stuff like that and then that reason that keep ___ I need stuff because I I ___ drive enough my vehicle in driveway week drive one week ___ all I need is immediate PO I need stuff like that I think have ___ we got them ___. Ok thank you. Bye."

I agree with the proposed increase in premiums for motorcyclist, as a minor incident with a motorcycle can lead to placing major demands on our health care system as well as depleting our ability to operate the SGI auto fund in a cost effective manner. Place the increase in premiums proportionally on the accident group or groups responsible for the losses. I do not see the need for the majority to subsidize the minority. If certain groups wish to participate in high risk activities then they need to understand they are responsible for the cost associated with those activities.

"Yes ___ this is it going here. My phone no. is ____And no I don't think there should be reason(?) increase in auto(?) back. It's about high time that somebody had put a stop to Sundays(?). I'm just it's just getting(?) right out of hand. Ok bye. Thank you and goodbye."

I agree with the proposed increase in premiums for motorcyclist, as a minor incident with a motorcycle can lead to placing major demands on our health care system as well as depleting our ability to operate the SGI auto fund in a cost effective manner. Place the increase in premiums proportionally on the accident group or groups responsible for the losses. I do not see the need for the majority to subsidize the minority. If certain groups wish to participate in high risk activities then they need to understand they are responsible for the cost associated with those activities.

It must be nice in this day and age to request an increase when ever your funds get low. I wish i could do that when i need a wage increase. GO after the people who are constantly using the system and stop penalizing the good drivers.

Increase rates on drivers having accidents and do not make careful drivers pay for careless motor vehicle operators. Also charge more for speeding and cell phone violations.

The rate review application is really only a dam joke. It is a forgone conclusion that the rates will be increased again now one year later after the last review which saw a rate increase. What is the "Rate Stabilization Reserve"? Why is there no explaination given about this fund and why does it need to be replenished? Where does the money in this fund go? The last rate increase resulted in an increase of 6.1% to me and now you want to increase it again. You claim there are reductions another dam joke. Maybe the management of this SGI Auto Fund need to be more responsible in how all the money that is collected is spent. All the Government run business seem to need more and more money, and where should this increase come from at the user level. Many people are are fixed income and many have not claimed in their entire driving years. In addtion the public meetings are a total waste of taxpay dollars as a hand ful of people will actually show up. Every intelligent person knows already to expect another increase and may as well get ready for the next one.

$1993 for an 09 dyna?  This is absolutely preposterous.  Come on!   Really? Enough of the BULLYING.   Due to the increase I guarantee they will be losing riders which in result is less cash flow.  Which in turn means they will have to increase it more again.  Motorcycles DO NOT cause the majority of motorcycle related accidents.  MOTORCYCLE riding requires alot of attention. It's the motorists in cars and trucks that are not paying enough attention to what is going on around them.  When motorists are causing these accidents the claims should be drawn from there fund and put against the cars and trucks.  NOT the motorcycle fund.  Obviously the majority of Sgi employees and the rare review panel have never ridden a motorcycle and do not realize how frustrating it is to be the ones being punished.  I avidly believe that the insurance should be on our drivers records and that we should not be responsible for all the terrible drivers out there. Issue insurance based on the drivers.  Not on the vehicle.  Why must we also pay into two different insurance pools for the same insurances when we can only claim one at a time. Highly frustrated saskatchewanian

Me and my wife both ride motorcycle and enjoy it big time we are active in our community and engage in charity bike fund raising which benifits our community bikers represent the most charitable dollars of any single group. We find it appallingly that sgi raises our insurance yearly and unjustly that is not what sgi was founded to do. So I have to object to unjust rate increases we are a small demographic but our voices will be heard please reverse this injustice thanks for your time.

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

Like so many have already expressed, I am opposed to any increase in motorcycle rates. Between poor road conditions and SGI rate increases the province is making motorcycling an untenable proposition. Recently I looked into purchasing a new motorcyle for 2014 and found that thanks to new pricing and low interest rates the cost of financing was very reasonable, yet when I checked out the cost of insurance, the monthly rate for the plate was more than the cost of financing. With the current rates I would be paying SGI the full purchased price every three years.  Please SGI, adjust rates to the rider not the bike. I am 51 years old and have not had an incident since 1983 in which there was no personal injury. My driving record and style remains the same regardless of the bike I ride.   In addition to this I find SGI's division of motorcycles in the current classifications uninformed. How is the decision made to classify which bike into which catagory. Do the individuals who make this decision have an understanding of the motorcyle industry? Is a BWM GS1150 a touring bike, a dual purpose or a sport bike? Honda's new CB500 which is in four flavours including a dual purpose version and a european scooter version, yet all three share the same engine and frame? Which catogory do they fit under when they are all the same under the body work? The current system is archaic and in no way reflects current designs. This catagorization needs to be eliminated and replaced with a UK like Motorcycle Insurance Grouping.

Please stop SGI from raising our rates again. The cost of insurance is so high because SGI has wage replacement as a benefit in case of an accident. Most companies in Saskatchewan offer a wage replacement benefit therefore SGI does not need to offer it as part of their insurance. Without the benefit of wage replacement through SGI, everyone would see the insurance cost go down. Many people have more than one vehicle they register and pay into multiple insurance plans. Only one of those plans pay out in the case of an accident so we are paying for extra insurance that we will never use. Thanks for the opportunity to voice my comments.

Do you realize how fed up motorcyclists are in Sask. with the draconian regulations that happen with regard to the incredibly high rates that we must pay to satisfy the crown corporations of this province. Perhaps if rates don't come down then SGI should be replaced by a company that knows how to manage money.

Ridiculous rates when a person is 50 and has Never made a claim nor had a ticket or accident on their motorcycle- let's get real!!

I think rate hikes are not necessarily valid and some are too high. I think you are NOT being fair to motorcycle riders who have been riding "safely" for 20 years plus...especially those who ride highway cruiser type bikes etc. I think the young new riders on crotch rockets should absorb the rate increases - as most have no respect for other drivers and most reach outrageous speeds.

I am against the rate increase on motorcycles. We already pay a very high price to insure our bikes for such a short season. I think that the person at fault should be held accountable. It should be done case by case. The increase that SGI is implementing is ridiculous. It is making it impossible for some to continue their passion. I just don't understand how such a huge increase is even legal. Please reconsider.

Insurance rates are already too high for motorcycles and I am also not in favor of any noise by-laws. Motorcycles need to be seen AND heard for safety reasons. Obvious racing or stunting should be penalized but not just a little louder exhaust note.

I understand that increases are necessary but motorcycle rates are rising at an unbelievable rate. I have been riding for over 20 years without any accidents so why should I pay so much for plates. It was said that rates need to go up because other motor vehicle drivers shouldn’t have to pay for motorcycles. Then I need to ask this, I have been driving for 23 years without an accident so as a driver (motorcycle and car) I am paying high premiums on both. Why is this? I ride a Harley 883 that is only about 60hp but pay close to the same as a 600 sport bike that is 120hp. Bikes need to be based on horse power not engine size and should be based on a drivers history. People that are bad drivers should pay more for their insurance. Saying other drivers shouldn’t have to pay for motorcycles is ridiculous. I would like to see some facts as to how many motorcycle collisions were the fault of the motorcycle rider. If a car hits a motorcycle then wouldn’t it be right that other motor vehicle drivers pay for it.

To Mr. Wall, Mr. Cartmell, and everyone else on the address list above; I am absolutely opposed to S.G.I.’s 2014 Rate Proposal!!I am concerned, and angry at Premier Wall, and the Provincial Government for permitting S.G.I. to continue to flagrantly ignoring investigation, and implementation, of a real and long term sustainable public policy that would end this continuous cycle of Autofund rate increases. The Saskatchewan Rate Review Panel (SRRP) has made numerous recommendations and suggestions in recent years regarding alternative courses of action to curb escalating accident levels, and injury, and fatality costs. These costs are a direct result of individuals high-risk driving behavior, not the general population. S.G.I.’s inability to effectively deal with this issue, and manage the Auto fund, means the burden then falls directly on the shoulders of Saskatchewan taxpayers, year after year!!!Issues Summary:SGI has simply refused to take alternative and appropriate action with respect to the root cause of rising Auto Fund costs, high-risk vehicle operators. Long term changes in public policy such as appropriate financial penalties, an effective revision of the operators license demerit/reward system, license suspension, criminal charges still appear absent from SGI’s proposal. In place of effective public policy focused on safety, driver behavior, financial stability and recovery focused directly towards offending individuals, we have SGI returning yet again to the same old practice of forcing the taxpayers of this province to bear the burden of SGI inability to manage, the Auto Fund effectively. 2) General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of SGI’s inability to effectively initiate public policy that would make our streets and roads safer for everybody??I have included for your consideration, what I believe to be a sound long term solution to the escalating accident, injury and death rates in this province. It is a behavior shaping, forward looking policy that puts consequences for behavior of high-risk motorists squarely on the shoulders of the individual where it belongs. This forward looking proposal mirrors policies and practices adopted in other jurisdictions and private enterprise. Strong public policy should reflect accountability and responsibility and not provide a masked socialist blanket, that protects offenders, and penalizes safety conscious taxpayers.R.A.G.E.'s Proposal (summary);License Demerits- Place financial demerits on high-risk drivers "driver's license" not the license plate, thereby initiating both an effective behavior shaping policy and a appropriately focused revenue stream.- Raise the dollar value on the demerit points to where they are more in line with to-days costs, and present a very real and effective consequence for high-risk driving behavior.- Extend the time-frame of demerit fees from a "one-time" cost, to multi-year financial demerit system, the time frame of which is commensurate with the severity of the offence. License Suspension- Reduce the number of driving infraction demerits an individual can accumulate on their driver's license before their license is suspended.- Demerits and fines associated with driving offence demerits must remain in effect through-out the term of suspension.Criminal Charges- Review the criteria for criminal charges related accidents, injury, and high-risk behavior causing death.Law Enforcement- Request law enforcement be more diligent in assessing fault and charging individuals "at the scene". According to law enforcement statisticians, police officers seldom assess fault, or charge individuals at the scene of an accident unless alcohol is involved. Conclusion:1. Penalties for high-risk behavior would be appropriately focused and provide a substantial revenue stream, releaving the burden on the taxpayer.2. Consequences of individual actions would be felt directly by, and only by the offending party.3. Effective consequences have the potential to shape public behavior, or remove the offending individual from the ability to initiate risk, thereby increasing safety, reducing accidents, injury and fatalities, and stem escalating Auto Fund costs.In ending, I would like to remember my days as a young driver, who at times, drove irresponsibly. I paid ALOT of money for the privilege of driving every year, and eventually lost my license due to too many demerit points. After spending many years with increased license fees, I finally reached a point where I was only paying 25$ for the privilege to drive. Now, after close to 20 years later, without any speeding, reckless driving, no seatbelt, etc types of fines, I am once again being raked over the coals. The difference between these two points in my life? I am being condemned for the simple fact i drive a motorcycle, instead of being penalized for bad driving behaviour.   I do not pose a threat on public roads, my motorcycle is not a threat, my driving record proves that i am no longer a dangerous driver, yet SGI continues to raise my plates for my motorcycle, based on some theory that the motorcycle community has been being subsidized by the rest of the driving public.  This statement is totally true, but every insurance company has one part of its insured being subsidized by others. Such a statement that we must pull our own weight is utter garbage!!!  If every agency out there made people pull their own weight for insurance, Low Income families, Handicapped people, and every other person that accepts social insurance of some type, should be paying for their own costs! Now isn't that a smart statement!!! I work very hard, long hours, in some of the worst temperature extremes we see in this great province, and am proud to live here. I know that I must pay into income tax(both Federal and Provincial) and do so at some very high rates, but do not frequent the Dr's offices, Hospitals, or any other provincially/federally funded regularly, or as regularly as say as someone with MS, or perhaps a severely handicapped person that does not work and pay taxes.  This is the same scenario, but we don't ask that they pay for their own way, nor should we. A great man came up with a pretty simple solution, and due to that, we have a great health-care system here. If we would not expect the less fortunate to pay for their services, why would then allow SGI to adopt a policy like this? I am not comparing riders to the less fortunate, rather I'm suggesting that they are a minority, and therefore should be treated like that. We are licensees of a vehicle, and should not be grouped into a separate category.  We can go even further into this in regards to the private sector. I pay the same rates for my insurance through work as the person who has 4 kids, one of which is handicapped. Should i pay less, or he pay more than me? NO, there are 50,000 employees worldwide within my company, and the majority subsidize the few, AS IT SHOULD BE! There should be no reason that my 2010 Chevrolet Silverado cost less than my 2010 Harley Davidson Touring Motorcycle.I would request that someone please send me a response to this lengthy letter, as I (a member of your constituency) have taken the time to send it to you(an elected member of parliament)  Thank You, Brad Bell

Noise bylaws....cmon thats a joke.then charge us an arm and a leg to insure our bikes? What about bike enthusiasts? Loud pipes is a part of motorcycle culture. Bikes are cheaper to drive than cars and burn less fuel. Sure there idiots out there on bikes as is there in cars and trucks as well as other vehicles. Where is the bylaw against people with nothing to do but complain about people minding their own buisness enjoying their lives on their bike loud or quiet fast or slow vintage or new custom or factory...I appose the increased rate as well as the noise bylaw. Because noise doesnt kill people.

Please refuse the rate increase for SGI. The insurance rates should be based on the driver not the type of vehicle they driver. A safe driver should not have to pay the same amount an unsafe driver pays. I know there is extra cost that an unsafe driver pays for a short amount of time. That time frame is too short and the costs increase is too small. Increase the fines for causing accidents and the length of time the bad driver has to be a good driver to gain back the safe driving points.

Please note I am against any rate hike for any vehicle. Motorcycles have taken an excessive amount of abuse over the past. Rates should be rolled back to the previous rates before the outrageous hikes. I believe that the driver not the vehicle should pay for their infractions. If hikes similar to SGI Motorcycle plates were attempted by any other organization I believe that they would be in front of the Court System. Respectfully Submitted

My name is ____ born and raised in Saskatchewan. I am ___ years old, a university graduate, home owner, and work for the City of Saskatoon. My wife is also born and raised in Saskatchewan. She is ___ years old, has 3 university degrees, is a Dr, and owns her own Practice. We license 5 vehicles with SGI. Three personal vehicles all year long and 2 motorcycles during riding season. We want to voice our opinion about SGI and how unfairly they continue to target Motorcycles and bully rate increases yearly and like this year, planning to raise them more than once in a calendar year. Are you serious? What kind of Crap is this? No private cooperation would ever be able to implement rate hikes of 20% and then 5 months later do it again. No one would use them and they would go bankrupt within a few years. With my only choice of issuer being a Crown Cooperation this is ludicrous. My bike is going up $300 for the 5 months I plan on licensing my bike. That's absurd. My wife's bike will be going up by $250. That's $550 dollars more than last year. Try this crap with the rest of the vehicles SGI has as customers and see how fast you have a backlash on your hands. This is Communist techniques to say the least. Why are you singling out motorcycles? You say that they have a high risk of getting into accidents. Really, then I welcome and encourage you to please use your government issued power to check both myself and my wife's driving record to see how many accidents we have had since we have been issued our M endorsement. Zero is the number. I have been riding since 2005 with my license and have had no accidents. My wife has been riding since 2007 and has no accidents. Why am I being punished with a $550 hike then? We have never used any insurance or made any claims. Unfair, I believe so!!! I come from a farming community of 300 people, rode motorbikes since I was 5 years old. I was able to finally afford a sport-bike in 2005. Went and got my learners and past on the 1st try. Then went out and bought a brand new Kawasaki ZX-10R 1000cc bike. Took it slow and then went and got my M endorsement. Since then I have had 3 other 1000 cc bikes, rode 80000 kms and had no accidents. Have I had close calls. You bet I have!!! I have been cut-off daily by inattentive drivers, been tail-gated by drivers with no patience, have been squeezed to curbs by city buses, and on an on. There isn't one ride that I go on that isn't risky. Not because motorcycles are dangerous but because the general public doesn't respect us riders and the space we need to ride safely. My wife grew up in Regina. Never was on a motorcycle until I got my M endorsement and could take her for a ride on my seat. This was in 2005. She rode with me until I 2007. Then decided cause I loved riding that she would try too. At this point she was 40 years old. We enlisted her in a motorcycle safety riding school here in Saskatoon. She went on her own. She was taught by professionals. She passed and learned from the very basics. I was very proud of her. I could of taught her but know that by taking the safety school she learnt more and came out way more advanced then if I would of taught her. We went and bought her a brand new Suzuki GSXR 600 sport-bike. She started off slowly and progressed with every ride. Since that day she has rode 35000 kms and has had no accidents. Very proud of her. My point here is that given the proper education and safety lessons anyone can learn to ride a motorcycle safely. Last year I thought SGI and the government were implementing mandatory motorcycle safety schools for new riders before they could get their M endorsement of learners. In my opinion this is a great idea, it would initially cost the rider in the range of $400 dollars for one of these safety schools but in the long run would decrease their chance of rider accidents exponentially. These are programs that SGI should be making mandatory. You as the government and SGI have brought this on yourself. You have given people the opportunity to walk into an sgi office and sit down and write a stupid test that takes less than 5 minutes to write. Pass, walk out and jump on a 180 horsepower 1000cc bike. Let me put this into perspective in case you are unaware of the risk of this. My 2008 Mitsubishi lancer car has 153 horsepower and weighs 4000 lbs. A new 1000cc sport-bike has 180 horsepower and weighs 450 lbs. Without proper riding training or years of riding experience like I had before getting my bike what do you think the outcome is going to be? Just another tidbit about my bike. From the factory top speed of it is 186 mph or 299 kmph. Don't blame the kids that jump onto these things and hurt or kill themselves. Remember what you acted like at their age. Rate hikes won't fix this. It's a tax grab. If you want to fix this. Mandatory Safety Riding Schools for new riders is the answer. Then maybe a probationary license for the 1st season. And maybe a cc license for a season as well. Brainstorm and use us riders for resources. Not you guys and women that push pencils. Don't penalize everyone just because some riders are prone to accidents. My wife and I shouldn't have to pay for other people's mistakes. That's democracy. Communism and dictatorships use this method your trying to pass. Canada is free and we all make and live with our mistakes and successes. That is what makes us the best country and why I choose to remain living here. I pay tons of taxes to this province and country. I don't bitch about where my 40 percent goes. But in this case I am livid angry. Don't make this mistake. Don't raise my license. SGI had a 70 million dollar surplus last year. I don't think you need anymore money from bike riders. Another demise of this rate hike is that sooner or later you are going to drive riders to stop plating their bikes cause they won't be able to afford too. Which in turn means lower revenue for your company. With this also risks motorcycle dealers to go bankrupt cause no one will be buying bikes. Is that the government that you are? A government that forces people to lose their businesses and lose their jobs? We are asking you to think of the outcome of these potential rate hikes. Use common sense and look at the big picture. Saskatchewan is supposed to be the place to live and we are booming with our economy. Rate hikes for motorcycles doesn't need to be implemented. Annoyed and Pissed off

after looking over the rate increases I am questioning the reason that SGI is losing money. Perhaps their business practice is the problem. When I have questioned about why certain vehicles cost more, the answer was "due to the number of that vehicle type being in accidents" well answer me this, why is it when there is only 425 of one type of vehicle made in the world is it that SGI is raising the rates on this vehicle, of those 425 how many have had claims in SK (by the way I believe only 3 of these vehicles are in SK). Perhaps it is time to stop raising the rates of Sask residents to cover for poor management skills of those at SGI. It is past time that private insurance be allowed in Sask. which would keep SGI in check. Here is another question SGI sells coverage for vehicles in AB at a lower rate than what we pay here, why is this?

Enough is enough!! No more general rate increases! The ones who should have their rates hiked are the bad drivers. I understand that every organization has to be mindful of their bottom line but NOT at the expense of those who exercise due care and attention. As a driver and a motorcycle rider I understand the privilege of having my driver's licence and operate my vehicle accordingly. Thank for being receptive to the comments of concerned taxpayers.

The yearly increases by SGI are unacceptable, they need to focus more on making the bad drivers pay penalties. I plate my car and motorcycle and almost need a second job to pay for the freedom to ride for a few months a year and I have their maximum discount. Please SSRP refuse this increase not just make a suggestion that will be ignored by SGI.

Every year a rate increase from SGI, what does this panel do, suggest no increases and SGI can ignore it with anyone standing up to them. Thank goodness we have RAGE to at least make them try and justify the increases, even if it is just the same old BS.

Why is it that the SRRP held public meetings in multiple locations like Yorkton and swift current and north battleford for the saskpower application but refuse to do the same for the SGI application??

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Hello Motorcycle Training. I recommend to ALL new riders. I took my motorcycle course and passed with flying colors. I wouldn’t be the rider I am today if I hadn’t taken that course. My instructor commented how she liked my techniques. This is SCARY…..  My daughter who is 17 and a beginner driver can march right into SGI, write her motorcycle exam and walk out and ride! If she fails, she just keeps coming back with her money and writes again. You have got to be kidding me. She is still learning how to drive on 4 wheels let alone 2. SGI and society ever wonder why we have terrible riders. It’s because of this. NO TRAINING!!!!!!!!!  SGI stabbed themselves in the foot with this one. Who in their right mind would let a beginner on a bike with JUST a road test, SGI would. I DO NOT want my daughter on a motorcycle with NO training. Privatization…. Biggest mistake yet! You monopolize the industry! When I wrote my motorcycle exam there were other nationalities (young/old/foreigners/white/black) taking their learners exam. Some people could NOT even read the screen, I saw the man behind the desk helping them with their words. I was APPAULED! And that is who SGI lets on the streets!!!! (applause) Who is SGI letting drive/ride here; My 17 year old who can hop on bike with just a written exam and a foreigner from another country who can’t speak or read English. AND… you want to increase the rates for motorcycles. This is absurd. You caused this yourself yet want to BLAME motorcyclists. Do you ever wonder why our pipes are loud? Because it’s SGI that gave them the license/learners and who can’t drive worth a dam!!!! AND we get the backlash! A two year makes better sense! This needs to be considered and considered wisely. We the riders ride in rally’s to support several causes and donate money to charities. The slogan “LOUD PIPES SAVE LIVES” was not created because there was nothing better to do!  FACT!!! If I get cut off one more time by a foreigner, old person or anybody to that fact,  I will take action into my own hands.  I ride my motorcycle because I enjoy it, not to die! You always hear of bikes going down. IT’S THE RIDERS FAULT AGAIN! Society is lead to believe it’s ALWAYS the rider.  You want to increase my rates…why? You want to put a limit on pipes? Because you don’t want to be accountable for your STUPID system and policies. TARGET THE PROBLEM AND NOT EVERY RIDER!! I will continue with my bike and my pipes. If you can’t see me you will dam well hear me!

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

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

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

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

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

I am a lady motorcycle rider in Saskatchewan and quite appalled at what is happening to our constantly increasing rates!  I believe that those causing the accidents (people) not bikes should be penalized for their actions.  That goes for whether someone rides a bike or a car.  These increased premiums should NOT be tied to our plates, but to people.  Stricter penalties also need to be put into place for those that DO cause accidents, especially REPEAT offenders.  I am tired of subsidizing bad drivers! Equally those motorcycle/automobile drivers with good clean driving histories should be rewarded with more generous discounts and lower premium rates.   There should be no more general rate increases.  It’s ridiculous and ineffective.  PLEASE help stop this madness! SGI you also need to put an even greater focus on your PSA efforts to make motor vehicle drives more aware of us motorcyclists.  I don’t know how many times I was almost a victim of an accident due to a driver of a car not shoulder checking or using their mirrors.  They just don’t seem to notice us! The noise bylaw is also unfairly being targeted at motorcycles.  I can list off several other things I hear daily on a drive through the city that should be expected to follow a noise bylaw first!  Louder pipes on our bikes is our only HOPE at being noticed by these vehicle drivers.  I firmly believe that “LOUD PIPES SAVE LIVES”.

I am a lady motorcycle rider in Saskatchewan and quite appalled at what is happening to our constantly increasing rates! I believe that those causing the accidents (people) not bikes should be penalized for their actions. That goes for whether someone rides a bike or a car. These increased premiums should NOT be tied to our plates, but to people. Stricter penalites also need to be put into place for those that cause accidents. Equally those motorcyle/automobile drivers with good clean driving histories should be rewarded with more generous discounts and lower premium rates. PLEASE stop this madness and put an even greater focus on your PSA efforts to make motor vehicle drives more aware of us motorcyclists. I dont know how many times I was almost a victim of an accident due to a driver of a car not shoulder checking or using their mirrors.

To Whom it may concern I am speaking to you about the SGI application to increase motorcycle rates. ANY application to increase their motocycle rates should be turned down,FLAT! They have wildly increased rates on motorcycle over the last few years andhavnt followed through on the statements they have made, or recommendations made by the Rate Review Panel. THey want to raise rates again without waiting to see what the previous rates would do do help their situation, PLUS they have done nothing from their end to work on ways to reduce expenses. I beleive SGI should be made to reduce rates for motorcycles because rates have already more that doubled over the last while. SGI needs to overhaul their system of administrating and charge the bad drivers for the accidents and personal injury protection to their drivers liceneces NOT on every vehicle. I should not have to pay for personal injury protection on every vehicle I own when I have protection for that already through my work insurance plan. Thanks for allowing me to voice my concerns, Looking forward to seeing you at the meetings in Regina.

I am opposed to the proposed SGI rate increase. Safe driving and riding needs to be the focus, not blanket increases. Those of us who are responsible riders should not be penalized for the people in cars who are talking or texting, eating, doing their hair, yelling at their kids etc and not paying attention. The increases over the past few years have already been astronomical and adding another increase to the table is not only unreasonable, it is also unfair. Please do not increase motorcycle insurance rates again.

I DO NOT want to pay for someone else's HI-RISK behavior!!!!!!!! DO NOT punish good drivers for someone else's stupidity!!!!!! HI-RISK drivers should be charged accordingly and it should be their responsibility!!!!! This is COMMON SENSE! Why is this so hard to comprehend?! This is a NO BRAINER! NO general rate increases!!!! Thank You Sent from my iPhone

These new rates are not fair

I've been riding motorcycle's for 45 years and I'm being treated like a inexperienced rider and pay these high , unfair rates ?

When is enough enough! I am a female rider. I took the SGI accredited motorcycle training course and passed my road exam with flying colors. I have been riding for 3 years going on 4 and really enjoy it and I am quite proud of myself. I participate in several charity rides, especially the teddy bear run and ride for dad. I don’t ride the best motorcycle but I ride. This is a new passion for me. Why all the huff about increases….. bad riders….etc! I was just about killed by a lady who WAS NOT paying attention. I was just about hit on Spadina crescent as some taxi driver changing lanes did not shoulder check. I was just about hit when an OLD man changed lanes without looking. I thank the lord each and every day to keep me safe and say a prayer each time I get on my bike. I’m not worried about my riding. I have become a VERY defensive rider and driver. I’m worried about the idiot beside me who is NOT paying attention. So when I have to speed up or slow down to get out of his blind spot I’m the bad rider, I’m the loud biker. That takes me to loud pipes. DUH! If the IDIOT beside me ain’t paying attention perhaps he/she will if they hear me. Not all motorists are idiot drivers but for the most part they are. Now there is the debate about loud pipes. Good God!!!! Rates and pipes. Being a woman and conquering a fear of riding, this brings me to tears. I feel what I enjoy is being taken away from me. I don’t drink, I don’t smoke but I ride. I JUST want to enjoy my life. I’m not hurting anyone. I don’t make much money so taking this away will kill me. I ride 4 months out of the year. If I asked you what your passion was and told you that you could only enjoy a quarter of it because I didn’t like it, how would that make you feel? What if you were told that you could not plant a garden because the neighbor didn’t like it. Would that affect you? You would be hurt, angry and discouraged. Well… so are we! I hold this debate in god’s hands.   However, I feel my fate is signed and sealed just not delivered yet! Thank you

To me it look at another point of order for the government. If this is if the government was a private insurance company or loan company on broker of some kind. The amount of the raise the rates in the last 2 years will be a criminal fence under usually please consider this. Thank you."

It is unfair that poor drivers insurance rates are subsidized by good drivers insurance rates. Motorcycle insurance rates are already bordering on 'unaffordable'. This will tempt people to ride 'illegally'. Nobody wants this outcome. . My insurance rates should be based on MY driving record NOT the record of everyone that drives the same brand/type of vehicle as me. It is actually unbelievable that this has gone on this long

I would like to thank SGI for their effort to stop motorcycling in Saskatchewan.You are close but then you'll have to keep on raising AUTO insurance when the biker's are gone. Maybe this is the way you'll find out who's really causing the short fall in your fund,people in vehicles that don't stop at stop signs,talk on cell phones,change lanes without looking etc.Stop being reactive be proactive.

Quit paying injury claims that have no basis in law that require they need paying and since when do the people of this province have to bow down to the whims of a few hundred motorcycle riders who don't want to pay what they owe. You may also want to put a little bite into the questionable practices of some of your autobody repair shops when you know dam well that they're hosing you. These three simple actions will keep us well in the black with no rate increase. Next time you have  a problem instead of convening a panel you can just drop me a line, I'll send you solutions at half the price.

Please record my objection to proposed increases for motorcycle registration. I have been a licensed rider for forty years and have been claim free all those years. Please do not penalize me for the acts of irresponsible or uneducated riders. I believe an increase to my licensing is unfair and unjust. Forget the no fault idea and make those who are responsible accountable. As an added note, motorcyclists raise more money for charity than governments. It would be a pity for me to not be able to support the charities that I have given to so freely over the years.

I just wanted to express my concern about a general rate increase. Only bad drivers should be penalised accordingly. Not the rest of us and enough is enough and I would appreciate a call back. That's my cell phone but that's the best way to reach me and leave a message and again my name is_____. I do rent a motorcycle and I also drive a car. So I'm very aware of the impact on this. Thank you."

I'm calling to let the rate(?) review panel note that we'd had enough. Enough is enough for ___. The motorcyclist particularly in this project that hav continuous rate increases and so for and this is not a solution. It's not the problem. We have escalating rates. Injuries. Fatalities in this province and SGI is ___ their duty. There is a right risk driving element that is being crossed subsidies by the rest of the premium and and insurance payers and taxes fares to this province. If the ___ review panel has ___ recommendations and suggested in which are being ignored year after year after year and we are trying to help you help us but you're going to have to stand up and also say enough is enough. There's another way. Let's make those people accountable for their driving record and behaviours. You can do it financially which will create a revenue stream that would take care of this problem. It's not that hard to do. Enough"

Hello,I'm just writing to say that I am very disappointed and displeased to hear that SGI wants to increase motorcycle rates again.  If SGI is losing as much money as they claim by insuring motorcycle riders, maybe they should only handle the registration of motorcycles, and open up the insurance aspect to private companies.  Private insurance in other parts of the country have no problem offering reasonable rates while maintaining profitability. Although I'm not even sure why I am writing to this panel, since SGI seems to do whatever it wants anyways.

I AM ABSOLUTELY OPPOSED TO SGI'S 2014 RATE PROPOSAL!!! I am angry that SGI continues to ignore the complete suggestions and recommendations of the SRRP and that our government does nothing about this! 1. SGI needs to roll-back our rates to pre-2012. Our rates need to stay here until the results of the implemented recommendations are known. SGI has stated the changes being implemented will have an impact of reducing death and injury from motorcycle crashes by 20%. 2. SGI needs to move all things that are "personal" to me to my driver's licence. My own personal injury and wage replacement insurance don't belong on my vehicle plates. It is for ME not my vehicle. All my own driving infractions should be on MY drivers licence, NOT my vehicle. - If someone else gets in an accident and is injured while driving my vehicle "their" insurance is used not mine, yet MY plates may go up because of THEIR driving!!! - It is too easy for BAD DRIVERS to have someone else register their vehicles with a "safe driving discount" with little to no consequences for their own actions. Yet I continue to pay for this! SGI needs to listen to the SRRP. MY RATE increase for my motorcycle should be zero! THAT is what SRRP suggested, that is what SGI promised!  S

Once again, we ask that you return SGI's proposal for increase in rates. SGI's continuous reaction of increasing rates, based on actuarial projections rather than actual facts has  proven to be a disaster, which not only does not competently deal with the problem, but are also totally unfair to the motoring public.Any rate increase should be based on the personal driving record of an operator, not the class of vehicle. Vehicles do not cause accidents, any more that guns cause death; it is always the operator.

I need to voice my concerned over the upcoming rate increase, SGI needs to understand that they can't keep coming to the motorcycle community , when there are better , more effective ways to fund the insurance shortfall, it is time for them to understand that they must listen to the public, or the government must allow private insurance into the province. I have 2 motorcycles, one in Sk, that will cost me 130.00 a month, and one in AZ, that will cost me 20.00 a month, and just so you know, I have a great driving record, and receive the 20% discount! I have also been riding a motorcycle for 48 years. Please do what is right and stop SGI ! Thank you

Please do not allow another rate increase to proceed for SGI. If SGI would give the public the choice of accepting or refusing wage replacement it would decrease the cost of our insurance. There are many companies that have an excellent benefits package for employees, including an extended sick leave plan. A large portion of the benefits that SGI pays our is for wage replacement after an accident. That cost would be reduced greatly if they would allow the employers benefits to cover that cost. Please refuse SGI another rate increase for motorcycles and all vehicles. They have enough rate increases, now it is time for them to make some changes in how they do business. Instead of SGI always going after the paying public for more money, look internally and how the do business and manage money.

I recently inquired on how much my plates will be for my motorcycle. I was completely floored...........since I purchased my bike my plates have officially MORE than doubled. This is insanity if not outright robbery. The justifications for this disgusting action (on the part of SGI) have not held up to scrutiny. Please advise on the best course to further voice my opposition to this.

As you know, in 2013, the Saskatchewan Rate Review Panel recommended rebalancing affecting motorcycle rates be delayed until results of the MC Review Committee were known and any changes IMPLEMENTED that might achieve greater fairness in MC rates. SGI ignored the recommendation and increased MC rates by 15 percent. This hike in rates took place BEFORE the MC Review Committee Report was even written! Cartmell, SGI Pesident, stated to the public in a News Conference for the release of the MC Review Committee and Public Survey results that there would not be an increase in 2014 for motorcycles in order for there to be time for MC Committee initiatives to have impact on claims. Cartmell went back on his word!! SGI proposes a 6.4 percent increase in 2014 to the SRRP. The reason given is that this increase is required in order to be "fair" to all vehicle owners!! Where was fairness to MC owners when our rates were increased: 2007 15 percent!! 2009 25 percent!! 2012 30 percent!! 2013 15 percent!! TOTAL.........85 percent!!! And now they want another 6.4 percent!!! In fairness, MC rates need to be rolled back at least to pre-2012. SGI ignored recommendations of the SRRP for safety studies and education for years while fatalities rose in Saskatchewan. SGI raised rates exorbitantly and did NOTHING to improve/change outcomes. The unbelievable increases need to be ROLLED BACK!! The SRRP needs to report directly to the Premiere in order to eliminate a Conflict of Interest. SRRP does a report on SGI proposals for the Minister Responsible for SGI. This is no way to protect the interests of the Public!! The SRRP has proven to be a toothless watch dog for motorcyclists in Saskatchewan - please take meaningful action!

SGI is once again targeting good drivers and ignoring the real problems.  An across the board "average increase" of 5% is again, unacceptable.  I've been a licenced driver for almost 25 years.  I haven't had a traffic violation in close to 20 years, yet with the exception of the good driver discount given by SGI, there is no difference between my rate and the rate of an inexperienced or high risk driver.  Last year SGI used the term "subsidize" to get public opinion on their side in regards to the rate increase, yet nothing is being done to improve traffic safety, vehicle safety or driver responsibilities.  There is absolutely no excuse for a driver with multiple infractions, impaired driving convictions, or other dangerous driving habits to be paying the same for insurance as the general public.  I can understand that SGI does need to cover costs, with labour rates increasing, etc. but it does seem quite hypocritical to increase rates when there is a lot of internal "waste" within SGI.  I have persoanlly witnessed at a local claims center staff working no more than 3-4 hours per day, with the rest of the day spent on coffee breaks, smoke breaks and lunches.  Then there is the "other" wage issue.........does the managerial body at SGI really need to make the salary they do??   I feel that more public consultations are needed, and in more areas.  I mean, I live 2 hours from Regina and 3.5 hours fron Saskatoon and with increase after increase there is no way I can afford to take time off work to drive to these so called "public input" meetings.  Why aren't these being held in more cities??  That would give everyone in the province a chance to have their voice heard.  It would make no sense to have meetings in, for example, Regina, Moose Jaw and Swift Current but it would be fair to have public consultation meetings in more cities JUST LIKE OTHER RATE REVIEWS (ie. Saskpower).  I'm curious as to why this isn't being done??   In closing, it seems that, generally speaking, these rate reviews are another waste of time and money, as the SRRP has no real power to effect any change anyways.  Despite reccomendations made year after year, SGI continues to be mismanaged and money hungry and has a "we can do what we want" attitude.  One big question I would like answered (as well as I'm sure others want to know) is "How is it possible that SGI Canada can show a profit insuring vehicles at a lower cost than SGI autofund (Less than 1/2 in some cases) despite revenues made by salvage operations?"

Good day. First let me ask why are they raising the rates again rather than seeing if the new policy's for M/Cs work to lower the accident rate. One of my biggest concerns is why I am paying Personal injury on each and every vehicle I own? I should have to pay it once, say on my drivers license. It really comes down to a money grab which I am getting really tired of. I am forced to pay for wage replacement when in fact I am retired and would never collect on that part of the policy. So why am I forced to pay for something I will never collect on...another money grab. Shouldn't people who have a bad driver record be paying their portion and not just a minimal amount but something that truly reflects their driving habits and behavior.Or lose their driving privileges totally. I think if that was the case them we could save lives as well accidents. What I see is SGI's fix is just to raise rates rather than take a pro-active approach to fixing the problem. I think it is time change driver behavior rather than just keep up the money grab. If you have a tire that keeps going flat would you just keep adding air or would you find out why it is losing air and fix it!!! I for one am tired of pumping up SGI's tire.

I really appreciated seeing the 'Suggestion' in last year's SRRP findings report that SGI not increase rates for motorcycles any further until claims management was implemented and evaluated. However, the use of 'suggestion' rather than 'recommendation' was a kid glove approach which SGI unsurprisingly took advantage of. Diplomacy has failed here, folks. They want to bring in more cash instead of bringing down the claims costs. It's up to the SRRP and the legislature to stop them, before they quite intentionally price the motorcycle industry right out of Saskatchewan.

SGI needs to focus on the high-risk drivers in Saskatchewan and leave the good drivers - riders alone. A rate increase for all is not a solution to a problem that they are well aware off.

Thank goodness they did that ubi trial so we don't just have blanket rate increases. God forbid we jack the rates up for the unsafe riders and cut the good riders some slack...

Public meetings are fine when you live in Regina! I can't afford to take time off work and drive 400 kilometers each way to attend meetings. I would like to know why when my son in law in Alberta rides the same size bike as I do (102 cubic inch cruisers), we both have clean driving records, he pays $400.00 less than I do for insurance & plates. its time for private insurance in Saskatchewan.

General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of SGI’s inability to effectively initiate public policy that would make our streets and roads safer for everybody?

As to the rate review on motorcycles. These rate increases seem to be harsh and narrow of focus.

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

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

Hello, I skimmed through this rate proposal, it says that SGI is applying for a 2.7% or a 5.2% or a … % increase in rates.  http://www.saskratereview.ca/images/docs/sgi-2014/sgi-auto-fund-2014-rate-proposal-finaL.pdf this is because they say auto body labour rates are up 10%, I would be interested to know what small fraction of cost is associated with autobody labour, I would guess that cost is less than 40% of the cost of an average claim.  Claims would have material, labour, medical, liability and administrative costs built into the premium.  If labour was even as high as 40%, and cost of labour is up 10%, then they only need 4%.  Right? Then when I review the proposal vs the advertised rate increases, it appears that most rates are going up 10-15%. http://www.sgi.sk.ca/pdf/rateproposal/Feb11-2014/PPV-Base-From-1996to2015-Proposed-vs-Current-Rates.pdf my 2006 Jetta is going from 1084 to 1233, that’s a 13.7% rate increase.  That’s a far far cry from 4%, or 2.7% or 5.2% or whichever number they are claiming.  I do see that some rates are decreasing a few percent, but by and large they seem to be going up, and going up for a lot of the most common vehicles, like the F150, Rav4, Edge. I’d like to see the weighted average increase proven, using todays registrations or a forecast of future registrations, which shows what the actual increase is, and the comment about labour rates should be finished with a description of how much labour rates account for in the total increase. Meaning, X number of F150’s at x % increase X number of Honda Civic’s at x% increase/decrease At the end The sum of x’s equals the total registrations, and the corresponding weighted average increase. In addition to labour rate increases precipitating a need for increased premiums, it wouldn’t be unusual for SGI to ask for increases for the other components that make up their cost structure, but it needs to be explained.   Thanks,

Hi, As a consumer of the only insurance legally available and mandatory in Saskatchewan for autos, namely SGI. I noticed that the rate increase this year would be on par with about 5 years of inflation. If thats what it takes to keep our cars insured, then so be it. I would like to know how efficiently SGI operates internally, I know damn well my insurance in Alberta was better and cheaper, and if I could go private, I would.

This seems like a lot of smoke and mirrors. A pat on the back with a "there, there" with one hand and the other picking our pockets telling us it's ok. It's like putting on a show just to pacify the people with the intent on doing very little. Then continuing with your original plans.

Why can't Saskatchewan have a proper setup for insuring more than one motorcycle? If a system could be put in to place where I can buy one plate, base the insurance off the more expensive bike and then have a small charge to add more bikes on that policy. I own a cruiser and a dual purpose dirt bike, only one would get ridden at a time, allow me to pull the plate off the cruiser and put it on the street legal dirt bike instead of having to insure both at the ridiculous rates they have become. As it is I'll be paying $1440 for insurance on a bike after max discount. If I insure my dirt bike it would be another $1100. I've had a clean driving record for the last 10 years, and the only item I had before that in the last 20 was a speeding ticket in a rental car that had no cruise and I was unfamiliar with. I can spec out a quote with comparable coverage in Alberta on my cruiser and instead of costing over $1400 it would be about $600 because of the low amount I ride. (I might be able to squeeze in 2-3000kms a year, usually much less)

Why even bother having the RR Panel is SGI does what it wants to anyone. It looks like a waste of time and money to fund an impotent group.

I see how your thinking is going. Hey Saskatchewan is booming in the oil industry. Yes there is a lot more money being made in Saskatchewan this is great. As a business owner I'm reaping the rewards of Saskatchewan's growth but this does not mean that everyone is making a lot of money and your constant rate increases make it harder and harder for the regular joe to afford a good car because their insurance per year would be to much for them too afford to plate. Same thing for us riders that fact I have a 2001 R1 that I paid $3000 for two years ago and with the increases since then my insurance for that bike is $2150 a year. That is insane. I don't believe there was that big of a loss in insurance paid out that you have to increase it so much. Your a bunch of greedy cows just looking to make a lot of money for yourselves and don't give a shit about the regular joe who struggles cause they have to pay insane insurance amounts. When a monthly income for a lot of people is 3000 and there rent is 1200 and then utilities insurance and food costs that person is broke and can not move forward in life cause it costs too much to live. Pull your head out of your ass and quit making it difficult for people to lead a normal life.

SGI isn't doing enough to make the roads safer (when it comes to motorcyclists, etc). I drive a car and I'm constantly cut off by vehicles because the drivers aren't following the rules (simple) of the road, now imagine driving a motorcycle and putting up with this type of b.s. We also need programs and training for new motorcyclists. There's nothing for them. And what about the folks who spend large amounts of money on gear (jackets, gloves, boots, pants, etc) for protection and to be seen (light colored gear) etc? I think there should of something for those folks as well. Asking for more money isn't going to solve the problem. You guys have lots of statistics and know what to do but aren't doing anything in regards to these stats and information.

I am really hoping that when SGI comes to the table this time, you will keep in mind the frequency and amounts of rate increases there have been, especially for Motorcyclist, in the past few years. For the first time it looks like SGI might make some changes, long overdue, to lower the accident rates for motorcycles. Shouldn't they wait and see what sort of difference these changes make before sticking their hands in our wallets yet again? Other changes that they can and should make, they haven't even tried yet. Why is it that we pay liability insurance on every vehicle we plate (for me this is at least 2 or 3 vehicles)? Shouldn't this be something that goes on our drivers license? I can only drive one vehicle at a time, I could only collect once if something happened, and yet I am paying 2- 3 times the personal liability every year. SGI desperately needs to sit up and listen to what the people are saying about how they do business. Grabbing for more money is not fixing the underlying issue, and yet for years now that has seemed to be all they were willing to do. It is time for an overhaul of how they do business. It is time for them to understand that the only fair way to set rates is to base them on the driver, not the type of vehicle they drive.

Why don't you change you name to Rubber Stamp Theatre? Every year is the same, people come, complain, you ignore them completely, and jack up our insurance rates - EVERY YEAR. This panel needs to be disbanded. Stop wasting people's time with your stupid unnecessary meetings. Also do not try to say you are not a Rubber Stamp Theatre after years of consistent increases in my insurance rates.

As a motorist and a motorcyclist, I find these rate hikes totally unacceptable. Again you are not listening to the people you asked to be on this panel. You seem to be merely doing all this for show, to say well we consulted with the public. if you are truly concerned about the well being of drivers in general, then listen and listen very carefully to the people who use the roadways daily for their advise. You will find nuggets of information and truth that will guide you to a responsible course of action. I am a very experienced driver and i'm sorry, 20% off my license isn't good enough. If you want to reward excellent drivers, then give them a deeper discount to show you are aware of their driving abilities. Now, attach rates to the driver not the vehicle. A car or motorcycle is not dangerous until the driver starts the engine. Reward/penalize the driver for their actions, not the vehicle, because the last time i checked a dealership lot was not the most dangerous place on earth. Why is it my motorcycle is costing me more to drive than my car? Please listen to these people on the panel. Thank you.

SGI rate increase needs to be refused. Last year SGI said there would be no rate increases for motorcycles and here we are looking at another rate increase. SGI needs to focus on the high-risk drivers in Saskatchewan and leave the good drivers - riders alone. A rate increase for all is not a solution to a problem that they are well aware off. The accidents of the few are being covered by everyone. The accidents of the few need to be covered more by those that cause the accidents and relieve the cost to all the good drivers in the province. Please refuse the rate increase for SGI.

Go after the shitty riders and drivers and not just do blanket increases every time!!!! Remember we are voters.

You know, after SaskPower and SGI get their rate approvals you should lock your doors for a while so I might be able to avoid going to the food bank!

It does seem the board is an impotent organization... SGI appears to do what it wants regardless of the situation. I do believe that members of RAGE are really getting upset with the extortion that is going on in this province.

As a motorist and a motorcyclist, I find these rate hikes totally unacceptable. Again you are not listening to the people you asked to be on this panel. You seem to be merely doing all this for show, to say well we consulted with the public. if you are truly concerned about the well being of drivers in general, then listen and listen very carefully to the people who use the roadways daily for their advise. You will find nuggets of information and truth that will guide you to a responsible course of action. I am a very experienced driver and i'm sorry, 20% off my license isn't good enough. If you want to reward excellent drivers, then give them a deeper discount to show you are aware of their driving abilities. Now, attach rates to the driver not the vehicle. A car or motorcycle is not dangerous until the driver starts the engine. Reward/penalize the driver for their actions, not the vehicle, because the last time i checked a dealership lot was not the most dangerous place on earth. Why is it my motorcycle is costing me more to drive than my car? Please listen to these people on the panel. Thank you.

Good morning, I am concerned, and angry at Premier Wall, and the Provincial Government for permitting S.G.I. to continue to flagrantly ignoring investigation, and implementation, of a real and long term sustainable public policy that would end this continuous cycle of Autofund rate increases. The Saskatchewan Rate Review Panel (SRRP) has made numerous recommendations and suggestions in recent years regarding alternative courses of action to curb escalating accident levels, and injury, and fatality costs. These costs are a direct result of individuals high-risk driving behavior, not the general population. S.G.I.’s inability to effectively deal with this issue, and manage the Auto fund, means the burden then falls directly on the shoulders of Saskatchewan taxpayers, year after year!!! Issues Summary: SGI has simply refused to take alternative and appropriate action with respect to the root cause of rising Auto Fund costs, high-risk vehicle operators. Long term changes in public policy such as appropriate financial penalties, an effective revision of the operators license demerit/reward system, license suspension, criminal charges still appear absent from SGI’s proposal. In place of effective public policy focused on safety, driver behavior, financial stability and recovery focused directly towards offending individuals, we have SGI returning yet again to the same old practice of forcing the taxpayers of this province to bear the burden of SGI inability to manage, the Auto Fund effectively. 2) General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of SGI’s inability to effectively initiate public policy that would make our streets and roads safer for everybody?? I have included for your consideration, what I believe to be a sound long term solution to the escalating accident, injury and death rates in this province. It is a behavior shaping, forward looking policy that puts consequences for behavior of high-risk motorists squarely on the shoulders of the individual where it belongs. This forward looking proposal mirrors policies and practices adopted in other jurisdictions and private enterprise. Strong public policy should reflect accountability and responsibility and not provide a masked socialist blanket, that protects offenders, and penalizes safety conscious taxpayers. R.A.G.E.'s Proposal (summary); License Demerits - Place financial demerits on high-risk drivers "driver's license" not the license plate, thereby initiating both an effective behavior shaping policy and a appropriately focused revenue stream. - Raise the dollar value on the demerit points to where they are more in line with to-days costs, and present a very real and effective consequence for high-risk driving behavior. - Extend the time-frame of demerit fees from a "one-time" cost, to multi-year financial demerit system, the time frame of which is commensurate with the severity of the offence. License Suspension - Reduce the number of driving infraction demerits an individual can accumulate on their driver's license before their license is suspended. - Demerits and fines associated with driving offence demerits must remain in effect through-out the term of suspension. Criminal Charges - Review the criteria for criminal charges related accidents, injury, and high-risk behavior causing death. Law Enforcement - Request law enforcement be more diligent in assessing fault and charging individuals "at the scene". According to law enforcement statisticians, police officers seldom assess fault, or charge individuals at the scene of an accident unless alcohol is involved. Conclusion: 1. Penalties for high-risk behavior would be appropriately focused and provide a substantial revenue stream, releaving the burden on the taxpayer. 2. Consequences of individual actions would be felt directly by, and only by the offending party. 3. Effective consequences have the potential to shape public behavior, or remove the offending individual from the ability to initiate risk, thereby increasing safety, reducing accidents, injury and fatalities, and stem escalating Auto Fund costs. In addition, I feel there is inadequate training in the SGI driver's courses in regards to motorcycle awareness.  There is a great deal of time spent on watching out for pedal bikes and semis, but it's rare for motorcycles to be mentioned.  Also the handbook is very sparse with info on this front.  Drivers of all kinds need to be aware of motorcycles and how to share the road with them.  It's a two way street! :)

I can't believe that you are raising rates again, especially motorcycle rates. I've been riding bikes for almost 20 years, have never had an accident or made a claim on a bike, but in that time my rates have skyrocketed. On what planet is that fair, in any way, shape, or form? If anything, my personal rates should be going DOWN because I haven't cost you a dime in almost 20 years! If the auto fund is short of money, then it is way past time to make the bad drivers pay for their own mistakes! It's their fault that you need to make an increase, not mine! Why punish me???

I'm very displesed with the players in SGI and the rate increases that amount to over 90% in 6 years. There are two increases in fines for traffic violations, following too close and poor lane changes. It's still $500 for things like running stop signs, lights and yielding. $2500 for more serious motor vehicle offences. These should be increased and people who cause any serious accidents and these same people should pay out of their own pockets. Please quit passing down your losses to the motorcycle community to makeup, or open up the market to other agencies so at least we can have a choice on who is putting their hands in our pocket.

Once again I would like to voice my opposition to the proposed motorcycle rate increase along with the general increase. As an experienced driver with no insurance claims I am tired of my rates increasing year after year

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

We have had enough rate increases, big ones, over the last 6 or 7 years! NO MORE!!!

I am adamantly opposed to any further rate increases by SGI. General rate increases are not a solution to the "root cause" of escalating Auto Fund costs!! Rate increase after rate increase, year after year has solve nothing...in fact accidents are increasing, as are fatalities and costs to the general public!! To-date SGI has ignored SRRPANEL suggestions and recommendations, as well as repeated suggestions and recommendations from the general public regarding the "blanket" raising of rates to cover up the actions of high-risk drivers in the province!! In other jurisdictions if you are a high-risk driver with repeated driving infractions, and at fault accidents, your drivers license...not your license plate cost escalates very quickly to the thousands of dollars....then moves to suspension!! Not in Saskatchewan!! There are no consequences for high-risk drivers....and with out a change in public policy to an "individual accountability" policy this escalating problem will remain. Saskatchewan citizens are speaking up and speaking loudly....we are giving the SRRPANEL all the tools it needs to reject SGI's return to the the RATE WHEEL. We are sending a message to the Premier, the Provincial Government, MLAs and the SRRPANEL ....if you chose to remain ineffective, and cannot or will not support the wishes of the people of the province, maybe it is time for you to resign and make room for a Panel that will?

I am absolutely opposed to S.G.I.’s 2014 Rate Proposal!!I am concerned, and angry at Premier Wall, and the Provincial Government for permitting S.G.I. to continue to flagrantly ignoring investigation, and implementation, of a real and long term sustainable public policy that would end this continuous cycle of Autofund rate increases. The Saskatchewan Rate Review Panel (SRRP) has made numerous recommendations and suggestions in recent years regarding alternative courses of action to curb escalating accident levels, and injury, and fatality costs. These costs are a direct result of individuals high-risk driving behavior, not the general population. S.G.I.’s inability to effectively deal with this issue, and manage the Auto fund, means the burden then falls directly on the shoulders of Saskatchewan taxpayers, year after year!!!Issues Summary:SGI has simply refused to take alternative and appropriate action with respect to the root cause of rising Auto Fund costs, high-risk vehicle operators. Long term changes in public policy such as appropriate financial penalties, an effective revision of the operators license demerit/reward system, license suspension, criminal charges still appear absent from SGI’s proposal. In place of effective public policy focused on safety, driver behavior, financial stability and recovery focused directly towards offending individuals, we have SGI returning yet again to the same old practice of forcing the taxpayers of this province to bear the burden of SGI inability to manage, the Auto Fund effectively. 2) General rate increases year after year has neither made drivers in Saskatchewan more responsible, nor safe. Saskatchewan roads and highways are even less safe than previous years, evidenced by fatality statistics, which continue to climb. How long must the people of this province bear the financial brunt of SGI’s inability to effectively initiate public policy that would make our streets and roads safer for everybody??I have included for your consideration, what I believe to be a sound long term solution to the escalating accident, injury and death rates in this province. It is a behavior shaping, forward looking policy that puts consequences for behavior of high-risk motorists squarely on the shoulders of the individual where it belongs. This forward looking proposal mirrors policies and practices adopted in other jurisdictions and private enterprise. Strong public policy should reflect accountability and responsibility and not provide a masked socialist blanket, that protects offenders, and penalizes safety conscious taxpayers.

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

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

Do not allow SGI to raise the rates for motorcycles. Last year they said no more rate increases for motorcycles and here we are again looking at another rate increase. To many rate increases and nothing being done to go after the high-risk drivers on motorcycles or in cars and trucks. Please refuse SGI another rate increase for motorcycles and all vehicles.

No more rate increases for motorcycles or any other vehicles for that matter. Start punishing bad drivers not all drivers. Stiffen fines for infractions causing accidents. Put more effort into educating drivers and enforcing traffic laws.

I am very disappointed in the overall management of this crown owned business. It appears that poor past performance is repeatedly compensated with "another rate increase". I believe that SGI requires an thorough audit by a third party with no interest in the corporation so that a true picture may be presented regarding the corporation's fiscal health. As one who registers several vehicle, one of them being a motorcycle, I have followed the rate increase saga for several years and I think we are being lied to by SGI. If I am wrong, then the information being presented is distributed by incompetent people because of the inconsistencies I noted. Perhaps a staff change is in order rather than another rate increase. Take some time to read what Wikipedia has to say about SGI, a crown corporation that was created to protect Saskatchewan residents from being gouged by private insurance. Oh how the times have changed. Determine the root cause of why rates need to be increased and deal with it. Rate increases are only a bandage to this hemorrhage. We need a skilled surgeon to stop the flow before our crown insurance company bleeds to death...

I would like to add my name to the list of Residents of Saskatchewan that believe the Review Committee seems to be just a token gesture to the people. The Panel members have made many good >recommendations< but the Minister and Government ignore all recommendations that don't fall into their program. The Outrageous License Increases to the Motorcycle Community borders on Criminal Usage. Loan companies and Pawn Brokers could possibly be in Court using the same outrageous increases that SGI has incurred on the Motorcycle Owners.

I really have trouble with these rate increases. I'm in Arizonia right now. I have 2 bikes plated down here. Plates are $21.95 per year. My Insurance is $159.00 per year. The insurance is the same coverage I get back in Sask. I made sure of that. Now here's my real question. 3 million people live in the Phoenix area. 1.1 million live in Sask. Here they have 6 lane freeways and 80mph speed limits. WHERE AM I LIKELY TO HAVE AN ACCIDENT??? I don't understand the SASK LOGIC to this question.

Regarding the Aug 31, 2014 proposed rate change. I feel that the rates are growing farther out of balance for older vehicle owners. In my situation I own a 2004 F150 4wd 4 door. The annual rate will increase to $1,343 from $1,238. The annual rate for a 2014 F150 4wd 4 door will decrease from $1,517 to $1,376. This is an 8.5% increase for 2004 owners, and a 9.3% decline for 2014 owners. The market value for a 2004 F150 similar to mine is approximately $15K on a good day. The market value of a 2014 F150 with similar options ranges from $40k to $50K. If my vehicle were involved in a collision, it would not take very much damage for SGI to write it off. I disagree with the concept that I have to subsidize newer vehicle owners. I choose to drive an older vehicle to save myself money. My vehicle is worth a third of a newer vehicle, but my rates will be the same as the 2014 vehicle.

To whom it may concern;       My question is to why once again the increases by SGI . Sgi went against the recommendations of the review panel last year and implemented their increases, and yet again they believe it should increase another 6%.  My question is why??  Why are they allowed every year to hit the people of the province for their shortcomings?  The fact is there is no focus on training these drivers, no real penalties for accidents even when they include death, so why must we pay.   If they would focus on the training new drivers 2 wheeled and 4 wheeled to understand sharing the road, what to be aware of and most of all to pay attention to what’s around you and not your cell phone. There would be less accidents. Everyday I see people texting and talking on their phones, reaching for something in the passenger seat, fixing their make up, not realizing that they have just wandered into the next lane obviously hoping someone else is paying attention to avoid the accident that most often occurs. Focus on more information to the new drivers, stiffer penalties for cell phone use, numerous tickets and accidents. No one will ever learn from their mistakes if there is no punishment given to them, and by throwing the increase blanket across the province says everyone else receives the punishment that should be focused on the few.    Start focusing on what changes need to made to make a better society of new drivers.  Instead of increasing our plates every year with the explanation of we need to “replenish the auto fund.”  We put out to much for rehab and scars.  Body shops are charging more so you have to pay for it. Every year it is a new reason (excuse) for increases, with no show of improvement in the auto fund.     The fact is you haven’t seen any money from the last increase on motorcycles and yet before we even get our plates we find that there is more punishment to come.  Before you decide to increase again would it not make sense to see what monies are coming in, instead of the speculation of being in the hole before we even get started.   If you can’t quit the increases, maybe it should be time to allow competition into Saskatchewan and allow the people to decide who insures them.  Either that or charge us according to our own driving records and not of that of the whole province of drivers.  If we all paid by our records, the bad drivers would be punished with high amounts and the good drivers would benefit for good habits.

Sasktel Voice to Text I was part of the reap review panel process last year maybe the presentation to you in Regina concerning motor cycle ride. My understanding was that your panel recommend with SGI not proceed with the 15% rate increase last year until the results of the committee motorcycle committee were known but they choose to ignore your recommendation and implemented that increase or which I will be paying 15% more the spring when I license. Now they're asking for another 6% in this year which means that'll be paying 21st that I was over there prebio(?). She hear when she means a little bit of glass 2007. My rates have gone a hundred percent. I am asking you to please turn down there request for a rate increase this year and to tell them to get the head screwed on right if you wanna respond that would be great. Been involved with a lot information processing SGI on there unfair treatment of motorcycles in the province. Appreciate your effort and thank you.

I think that these rate increases are out of line, and seems like you are trying to get motorcyclist off the road. Does any one at SGI that is pushing this increase even ride ? I have been riding motorcycles for over 30 years and have had a near prefect driving record. I drive a 1700cc hwy bike and when I first got insurance on my bike it was around 90 a month in 08 and I also have put package policy on it in which costs my over 200 a year. And then you increased it to over a 100 then the next you went up again and again and again... Now it costs me 140 per month with my drivers discount.. And will be going up yet again..... SGI makes millions of dollars of this province each year and for the most part we have a system to give is low rates... But now you seam to want to single out the people who enjoy riding motorcycles. I do not know why you don't have a limited coverage like you do with sleds. Only have liability and that's it for they people that want it . And for people that want extra coverage they can get a package policy that covers personal injury and personal vehicle repairs. I would be willing to pay 100 per month to ride my bike and have to pay 350 for the personal and vehicle repairs. But it seams like SGI is just out to make more money even tho SGI makes huge profits .. Maybe you should get out beat up vehicles off the road . And I would like to know what the statistics are on the right hand drive vehicles that have come to sask. How many where plated in sask and how many where in accident / wrote off ? And some one told me ( at a sgi insurance issuer) that the reason for they rate increases where also because we only insure for a few months at a time.? But yet I can buy a two door sports car and do the same.. I can plate a 2009 BMW Z4 300 hp for less then my 07 bike. Well I will say this, you have hurt the sales of newer motorcycles in Saskatchewan and have put older and chances are unsafe motorcycles back on the road. And if the rate goes up I hope no one plates there bikes for the summer .. And see how that might hurt your profits.

It would be nice if Sgi would just leave the rates , what they are! Make people accountable for there actions , why does everybody have to pay for it! Just my opinion !!!

We just had a rate adjustment a year ago. Now they are coming again? If certain classes of vehicles are draining the fund inordinately, then target those vehicles (motorcycles come to mind).

SGI needs some competition! In a country built with capitalism. Why does SGI get to wright their own rule book. SGI a monopoly run like a true social program, ignore the real problem, take from one pocket to fill the other. Works good till the first pocket goes empty and you still have a problem. They are not listening because they think they don't have to. Because we don't have a choice and with out a choice we don't have a voice. I know we don't all have the time to go to meetings and fight the paper fight. But like any revolution we have to show them our numbers. A Rally of RAGE at the parliament building in Regina. I think we should all try and find the time to ride in support of those fighting with the pen. Show them our numbers all of us make some noise. An appropriate action in a country built on democracy. Remember most revolutions look like an act of disobedience at first. But disobedience requires a master and a slave. I for one have become very tired of what our democracy has become. If we can even call it that any more. Tired of them trying to make me their slave!

Everything written in the bottom paragraphs is true but SGI has no right to say "Making roads safer" when in reality, they could careless about families and people and would rather have money than safety. I've truly lost faith in SGI and they're no different than the terrible CEO's running Walmart, etc. These guys are hired to make our roads safer but simply aren't do this easy task. This is another reason why I plan on leaving this province. SGI's solution is a Turkey. It won't fly!Premier Wall...rate increase after rate increase....is obviously not a solution!!! Simply returning to the "Public Well" in Saskatchewan for more "Money" again, and again, is an old old school of thought. SGI has more responsibility in this province than just collecting more and more money from the electorate of this province to cover up their inability to effectively manage the public policy associated with safety, penalties and criminal consequences for individual driver behavior in Saskatchewan!!! This is not JUST a MotorCycle or MotorCyclist issue, it is an OVERALL Traffic & Safety and Public Policy Issue that SGI Executive are clearly unable to effectively manage!! Saskatchewan hi-ways are not becoming safer, the death toll in this province is not dropping, there has been no effective legislation tabled to effectively manage the carnage on our roads, streets and hi-ways!! SGI is more than a Collective Insurance scheme! SGI is also responsible for Licensing, and Penalties up to and including criminal conviction....yet year over year SGI has remained ineffective at curbing accident rates, hi-risk driving behavior, or focusing on the ACTIONS OF THE INDIVIDUALS RESPONSIBLE!!! It is time to introduce effective policy that is focused in the Individual Behavior, to hold those accountable causing accidents, injury and vehicular fatalities to escalate!! Make the bad drivers accountable and pay for THEIR actions. Vehicles aren't to blame...BAD DRIVERS are!Raising insurance rates in Saskatchewan 2% or 200% will not...WILL NOT...change what is happening on our streets and roads!! The actions of a few are being covered up, and enabled by raising rates of the many!! Wake-up Premier Wall...your Executive at SGI is in-effective!!! As long as consequences for HIGH-RISK DRIVING BEHAVIOR in this Province is minimized, as it is today......we will continue to see damage, injury, and death rates escalate!!! Maybe it's time for a change......Real Change.......and not just at SGI!!!

I was recently in an accident where the other driver was in the wrong and was given a ticket by the RCMP. Yes I did hit him from behind and I will not go into too many details. The point I am trying to make is why is SGI not only refusing to pay for the total loss of my vehicle AND paying for the repairs to an out of province Semi truck that I’m sure will cost an arm and a leg, when the truck driver was ticketed for being in the wrong? SGI wants to raise rates. Maybe they should look into the circumstances of some accidents more closely and then the money we pay to SGI will stay in province in this case. I was told that SGI pays out of province claims for instances like this a lot of the time. No SGI increase until they change the way claims are paid. Thank you.

Once again motorcyclists are getting “special” treatment from SGI. Every year my motorcycle goes down in value & SGI wants another $90 or so for insurance. With the new proposed rate for my motorcycle I will be paying over $300 a month based on a 6 month riding season (if we get 6 months!). I don’t believe another 6+% rate hike is fair. It would be interesting to find out the actual monies paid out for motorcycle repair or replacement by SGI.

Hi there, I am very concerned with the recent request from SGI to increase the auto fund rates.  This would be the third year in a row for a rate "rebalancing", but this year seems to be the biggest increase yet.  I feel the company is being misleading by saying the average increase will be $49. I have reviewed the rate changes for private passenger vehicles. I have found that many small to midsize cars that are 5 years old or less are potentially being hit with anywhere from a 12% to just under 18% increase.  Depending on the car, the peak amount of the rate increase may apply anywhere from the 2009 to 2013 model year. The list of cars this includes (but is not limited to): Dodge Avenger, Dodge Caliber, Dodge Dart, Ford Fiesta, Ford Focus, Ford Fusion, Chevy Cruze, Chevy Cobalt, Honda Civic, Kia Forte, Mazda 3, Nissan Versa, and Pontiac G5. Will these rate increases be capped at a certain level? I personally have a 2012 Ford Focus, on which the rates will go from $1,077 to $1,268 or an increase of $191 (17.73%). This is rather steep by anyone's standards. Many people in the province drive one of the above listed vehicles, will the rate review panel stand for this increase on top of a SaskPower increase and steep property tax increases in many communities? There are some vehicles that are potentially receiving large decreases 9% to 13% range. They are all premium vehicles including (but is not limited to): GMC Yukon Denali, Lincoln Navigator, Cadillac Escalade, Mercedes ML63 AMG, Jeep Grand Cherokee SRT8, and Mercedes SLS Coupe. I don't have a problem with the existence of SGI, they generally serve the people of Saskatchewan well. Private insurers in other jurisdictions don't necessarily treat their customers any better than SGI treats us. People in other provinces have the option to jump ship and switch to another insurance carrier when they aren't happy. In an open competition market, there will always be some company willing to take on a customer for a cheaper premium (at least for the first year or two until they have a history with the customer). SGI needs to look at how it treats good drivers versus poor drivers, so people feel they are being treated more fairly. Rather than have a standardized discount/ surcharge system like we currently have with SDR (Safe Driver Recognition), SGI should move to "black box" rating of customers on an individual basis. The vehicle a person drives should only form a portion of their insurance premium. Each individuals driving record should also be taken into account in determining their insurance premium. Let's have SGI introduce telematics systems for drivers in SK (like "Snapshot" from Progressive Insurance in the USA). Let drivers give SGI the opportunity to see how they drive and prove how good of drivers they are. If the telematics showed safe driving habits, perhaps SGI could offer larger discounts than 20%, maybe 25, 30 or 35%. On the flip side, if drivers records are more neutral or poor, they could pay a neutral or surcharged rate.  By moving to a more dynamic rating  system, people would pay a premium closer to the actual risk they present to the insurer. I understand that SGI faces rising claims costs, injury payments and body shop labour rate increases. I also understand that the auto fund must maintain a certain amount of capitalization. What I question is the means by which the increase is being sought. A blanket rebalancing of rates is the quick and easy method in my mind. Raise most vehicles rates up by varying amounts and reduce rates on a smaller amount of vehicles by varying amounts and achieve an "overall" rate increase of the desired amount. Is this the fairest and most equitable way to achieve a rate increase? I would argue no. It's about time SGI started charging drivers a premium commensurate with their individual risk. They already have mountains of data by which they can evaluate drivers risk and by investing in telematics (which they've tried for motorcycles, but not passenger vehicles??) they can refine and personalize premiums even further. SGI must have the capability to achieve this, within the framework of a crown corporation. Not only would it strengthen the auto fund, but I also believe it would improve consumers opinions of SGI going forward. I have taken the liberty of creating tables to demonstrate the increases and decreases I mentioned above. All numbers come from SGI's own tables from the public website. Thank you for your time and consideration. Year Make / Model Current Premium Proposed Premium Dollar Increase Percentage Increase 2012-14 Dodge Avenger 1134 1322 188 16.5% 2012 Dodge Caliber 1077 1259 182 16.9% 2013 Dodge Dart 1053 1233 180 17.1% 2011-14 Ford Fiesta 1084 1276 192 17.7% 2012 Ford Focus 1077 1268 191 17.7% 2012 Ford Fusion 1084 1259 175 16.1% 2011-14 Chevy Cruze 1060 1233 173 16.3% 2010 Chevy Cobalt 1084 1259 175 16.1% 2011-14 Honda Civic 1182 1326 144 12.1% 2012-13 Kia Forte 1134 1331 197 17.4% 2011-13 Mazda 3 1151 1322 171 14.9% 2010-12 Nissan Versa 1060 1248 188 17.7% 2009 Pontiac G5 1151 1322 171 14.9%     Year Make / Model Current Premium Proposed Premium Dollar Decrease Percentage Decrease 2012-14 Mercedes SLS Convertible 2412 2172 240 10% 2012-13 Jeep Grand Cherokee SRT8 1608 1413 195 12% 2012-13 Lincoln Navigator 1719 1505 214 12.5% 2013-14 Cadillac Escalade 1635 1423 202 13% 2011-14 GMC Yukon Denali 1705 & 1692 1505 & 1472 200 & 220 11.8% -13% 2012-13 Mercedes ML63 AMG 2052 1794 258 12.5%

"I do not think this proposal is fair. This increase affects a most vehicles where only a select few will see a decrees and some will not be affected. They should consider increasing all rates so that there will not be such a rate shock. If it does go up. According to this proposal, rates will increase over $100 per year for one plate insurance."

Copy of my words to SGI. I am extremely frustrated with SGI insurance the last couple of years.  The premiums keep going up, but the good driver points top out.  I’ve never had a claim ever yet I am paying as if I am running into someone every other day.  These increases are unacceptable. So to save some extra cash so I can keep paying SGI Auto I have cancelled my home insurance with SGI and switched to a different company with a better policy for less money.  If I had the option to do that with my vehicle insurance you bet I would do that too. Here are some suggestions for you. Tell Brad Wall to pound sand when he robs SGI to balance his budget. Increase the good driver points so we are not paying through the nose for the bad drivers. Nail the bad drivers harder than what you are doing now! Use your endless stats to figure out who the worse driver group is and ramp up their rates. I see no reason why the rest of us have to put up with these high increases yet our wages don’t keep pace.  I need to find another $500 this year to pay for all increases coming my way that have been no fault of my own and no one is concerned that my wage should go up to cover all this.

Thank you for the opportunity to voice my opinion. I can only hope it will make a difference. I own a 1993 Chev 1/2 ton (20 yrs old). I keep the truck in excellent running condition. Since Jan/13 the rates on my truck have gone up $140 ($666 to $806; approx 20%). I do not understand why the percentage rate increase for my old vehicle is so high!!! Because I am retired my vehicle is not on the road as much as someone who is working. If anything did happen to my old truck, it is apparent to me that SGI would not consider the vehicle to be eligible for repair. If SGI wrote it off (which is also doubtful) the cost would be next to nothing. I fail to grasp the logic applied to my last rate increase and fear that same logic may apply to a future rate increase.

Hi.  I would appreciate being directed to whomever can provide an explanation for the very steep annual increases over the past three years for my personal vehicle insurance.  The plate rate on my 1988 Honda Accord rose 42% from 2012 to 2014, including an 18% increase from 2012 to 2013.  I was told by an SGI agent that this exorbitant increase was likely due to predominant use of this age of vehicle by young drivers, but I am sceptical that the small number of vehicles of this age in the province would make for an statistical base for assessment. I would appreciate this message being forwarded to someone who can provide an explanation, or point to an appeal process.

I'd like to get some feedback on how my insurance rates for my 1988 Honda Accord have been going up approximate $100 a year for at least the last 3 years and all I was told by SGI was that we'll have to do with the accident rate although I can't imagine. I need an explanation of how that could those statistics could be generated given a very small number of those cars are still available. Anyway I appreciate some guidance on who I should talk to on this. Thanks."

"Hi. I disagree totally with the rate increase. I drive a 27 year old car and I don't use SGI Services. I have own mechanic and I haven't yet. I can't afford to be paying that much for an older car.

I am apalled, that in the seven years I have owned, insured, and maintained my 2006 GMC 2500HD pickup in Saskatchewan, that the insurance has INCREASED beyond what ANY reasonable competitive insurance system would possibly consider charging. I have a clean abstract, which keeps me employed, and yet, despite their increases, they seem to forget, the majority of GOOD drivers already at the top of their good driver's discount, are not receiving MORE of a discount, even though the rates are going up. I suspect there are many good drivers out there who are receiving a sizeable increase to their basic insurance rates even though the majority of us have not FILED any claims, been in any expensive incidents, have clean driving records. If the autofund is that short of money that you keep increasing the base price of insurance, then administering a "discount" for a good driving record seems like a farce to me. As far as I'm concerned your insurance system should do far more to offset those of us who have been victimized by your rate increases, having not filed for claims in years. Good drivers are the ones penalized by your across the board increases.. NOT the ones who have a habit of claiming damages for every little scratch. Furthermore hail and flood damage should be removed from the autofund entirely, because those damages alone are incredibly expensive acts of God, which should be optional like on a package policy, not lumped into what SGI seems to think we "need" in a basic and affordable insurance for mandatory minimum. You need to start stripping down the coverage to pl/pd, and stop messing around with our BASIC rates. Everything else you add to the picture, (like covering RV's) should be left to private insurance companies. These increases are unacceptable. With your proposed increases, I'm now effectively paying over 200 dollars more on my vehicle than the day I bought it.. and it's seven years old. There is no excuse for this. Increase the good driver's discount, and stop paying damages to RV's out of the autofund! Separate the property damage and acts of God from basic insurance.. most drivers don't need it, and certainly, don't deserve to be paying unaffordable rates for pl/pd.

There has been absolutely no public notification if there have been public meetings for citizens to voice their opinion. It is the Panel's job to ensure reasonable opportunity exist for the public to voice their consent or opposition to such increases. The very low turnouts at Rate hearings/meetings etc is an indication of the poor job the Rate Review Panel is doing in informing, educating, and involving the public. For this reason, the proposed increase amounts to indirect taxation without consent.

"Yes I'd like to explain about the the rate increase on the government insurance for vehicles. Mine went up a hundred dollars last year and a hundred and twenty dollars this year. If this is a continue focus of ___ government. We're gonna look at the boat and somebody else in the next time.

I just wrote a letter to the CEO of SGI,regarding the latest rate increase that they are requesting. Their response, was to cover the 10% increase that body shops are demanding. And I get that! Why not mandate the use of winter tires in Saskatchewan. I use winter tires, yet I get no discount. Instead, I get nailed with an increase, simply because people here refuse to use winter tires. I just don't get it! Why not create a pro-active approach, instead of a re-active approach. Or, offer me a discount because I am a safe winter driver.Maybe some day. when it gets privatized, they will treat the responsible drivers who mitigate the chances of a winter collision. Wake up SGI and follow Quebec's mandatory use of winter tires. Then maybe other provinces will follow. Please take this seriously. Lives are at risk. If you care, you will simply refuse this increase, and deal with the real problem.

I drive both a motorbike and car, this increase is actually a 6.4% on my bike since SGI thinks that motorcycles caused the shortfall in their profits.Of All the items that bikers thought should be done the panel ignored most and reworded others to suit themselves. Glad you listened but sorry that you really didn't pay attention. Sent from my iPad

Dear SRRP, For 18 months now I have been following the processes and tactics of SGI.  Last year SGI made a big deal about singling out the Motorcycle community and how it was costing the Auto Fund some “mythical” number that they come up with.  They released several news articles which more or less put the Motorcycle community at direct odds with everyone else in the Auto Fund. Now this year….they release a new proposal and “treat” the Motorcycle community like everyone else. < Let’s not forget that they completely ignored the wishes of the SRRP and a large consumer base and increased the rates of the Motorcycle community for the 4th time, against everyone’s objections.  I will put this as clearly as I can.  No more rate increases to the Motorcycle class.  Year after year they increase rates and do very little to change their ways.  If they are the governing body responsible for licensing this class then they are responsible to make sure all drivers are educated and people riding bikes are sufficiently trained.  For years they have ignored the pleas of the community and we are now seeing the result of their laziness. I do realize they are implanting some changes this year but they have leaned on this community far too much in the recent years and it’s time they accept their own responsibility for this situation. I’m not sure if the rate increase across the board is justified but considering the gap between what it costs to insure my truck vs. my bike, there is no way an increase of any kind is justifiable to the motorcycle community. >I also have one general comment towards the SRRP.  How is it that the SRRP is the voice of the community and yet the SRRP does not have the authority to veto SGI applications?  This process is broken.  If we come out as a community and the SRRP supports the public we should have the power to turn back these applications or at minimum have influence in negotiating them.  Do we write our MLA? Book larger venues for Regina and Saskatoon this year I think you are going to need it.

Not happy with this motorcycle cash grab. Watch who's pocket you are picking. We vote and we are not happy

This is still not a fair increase. As the Provincial Economy moves to a User Pay type of governing by the Feds, the people who have the bad driving records or those of obvious risk should pay for how they score on demerit points. In Alberta with private insurance, I would pay $800 per year for my motorcycle, here, I was at $1428.00 and now it will be higher yet. This is a totally unfair system and it is worse that we are getting it from this Sask Party Government whom were against the socialist way it was before they came to power. I nor anyone else should have to pay for someone else’s accidents! Motorcycles or motor vehicles!

"Good afternoon the Rate Review panels you have not taken into consideration any of the proposals by rage I am sick and tired of all of these rate increases on motorcycles we paid 30% 2 years ago last year we have another 15% entries and this year we're looking on another 6.7% that's all on top of all the increases that we have prior to that this is the total mismanagement of the STI and the way they have licensed then ensured motorcycle over the past years and then all of the sudden you feel that riders out there today have to pay for all the mistakes would have been made the new riders out there with no training and no restrictions on side the motorcycles rage has some the proposals to solve some of that think that has to be put into place. I'm a 38 to 40 year old rider accident free I have not seen any help or any reward for my safe driving over that number of years I keep paying and paying and paying and I keep paying for all these new riders been out there that are buy big horse power bikes no experience and into accident than I'm I'm on a hook I'm getting tired of this."

I've had enough of these rate increases on motorcycles. I've been a motorcycle rider for 38 accident free years and tired of paying for all the new untrained motorcycle riders. Get a learners license the same way you money out of an ATM and then go buy a high speed motorcycle, get in an accident and I have to pay for that. Tired of it and have checked into licensing my motorcycle in Alberta and if will be half of what SGI is charging me for the same coverage.

SGI just got a rate increase last year. There needs to be some kind of limitation as to the number of times they can keep coming back to the panel and requesting increases. Since they just has an increase they should not be allowed to request another one.

You know, after SaskPower and SGI get their rate approvals you should lock your doors for a while so I might be able to avoid going to the food bank!

"Hi I don't agree with the work here. I don't agree with you raising the rates you got money from the government millions of dollars. You should have been using that more wisely then you have. So I'm totally against you raising the rates as you have requested."

SGI already makes enough profit. I drive an older (1981) car because thats all I can afford. I don't have a nice high paying government job. I work for a living. I just had my insurance go up $100.00 because you did't want to charge the motorcycle owners like you shoud have. Now you want to increase it again? What did you do with all your profits from last year? Its time to get rid of SGI and let private insurance into the province. Give the people of Saskatchewan a choice. Stop screwing the poor and start charging the rich. If the want to drive $50,000.00 plus vehicles, charge them more, not me. I can't afford it anymore. I would like to have a reduced rate for older vehicles because thats all we can afford to drive to get to are low paying jobs.