Registration & Insurance
- Cars must be registered.
- Registration means you will have insurance in case of an accident. You may still need to pay some money if it was your fault.
- If you are in an accident you must report it.
All cars that are normally driven in Saskatchewan need to be registered here. To register a car in Saskatchewan you must be the owner of the car. You can show you are the owner with a Bill of Sale. The Bill of Sale must include:
- date of the sale
- name of purchaser
- make, model and serial number of the car
- name, address and signature of the seller
You can also register a car that you lease. In this case you will need the lease agreement.
Once you have registered your car you will be given a licence plate that you must securely attach to the rear of your car. It must always be visible. This means that it cannot be covered or be so dirty that the numbers cannot be seen.
When you register your car you are also buying basic insurance. This insurance covers damage to your car. It also covers injuries to people from a car crash you caused and any damage your car causes to another car, person or property. If you are in a car crash that is your fault, you will have to pay a deductible. You must pay this set amount before the insurance will cover the rest of the cost for repairs and other damages.
Registration and basic insurance costs vary. How much you pay is based on the type of car. Your age, sex or where you live are not factors in determining how much you will pay. You can use Saskatchewan Government Insurance’s rate calculator to find out how much it will cost per year to register your vehicle. You can also purchase extra insurance for added protection. You can pay the full cost when you register your car for the year or set up monthly payments. You can also register your car for less than one year.
Safe Driver ProgramDrivers who have a good safety rating get a discount on their car insurance. You earn safety points for having a good driving record. You get a safety point for every year that you drive without causing an accident or getting a traffic ticket. You lose points if you cause an accident or are convicted of certain traffic offences, like speeding. If you lose enough points you have to pay a penalty.
If you are in a car crash that is your fault you will have to pay the deductible. SGI will decide who was at-fault for the accident.
If you are in an accident:
- stay at the scene – leaving the scene of an accident without stopping is against the law
- give the other driver your name, driver’s licence number and licence plate number and get this same information from them
- get the names and addresses of any witnesses – information from others can be very important in deciding who caused the accident
- call the police if:
- anyone is hurt
- either car needs to be towed
- a driver seems to be drunk or on drugs
- the other driver did not stop
- a car involved is not registered in Saskatchewan
- report the accident by phone or online to Saskatchewan Government Insurance as soon as possible – have your driver’s licence and car registration ready.