Dusyk & Barlow Insurance Brokers has been helping Regina residents navigate their insurance needs for years. With two locations in the city and a team that knows Saskatchewan inside and out, we are here to make sure you are not just insured, but properly insured. And when it comes to auto insurance, that distinction matters more than most people realize.

Saskatchewan operates under a unique auto insurance system compared to most other provinces, and understanding how it works can save you from some very unpleasant surprises.

All vehicle owners in Saskatchewan are required to purchase basic auto insurance through SGI, the Saskatchewan Government Insurance Corporation. This is not optional. Your SGI plate insurance covers basic third-party liability, accident benefits, and uninsured motorist protection. It is the foundation of every driver’s coverage in the province.

However, basic SGI coverage has limits, and those limits may not be enough depending on your situation.

This is where a private insurance broker like Dusyk & Barlow comes in. Through SGI’s extension program as well as other private insurers, we can help you add additional liability coverage above the provincial minimum, collision and comprehensive coverage for your own vehicle, and enhanced accident benefits if you want stronger protection for yourself and your passengers.

A few things Saskatchewan drivers often do not think about until it is too late:

Basic plate insurance follows the vehicle, not the driver. If you lend your vehicle to someone and they are involved in an accident, your insurance is the one that responds first. Understanding this distinction matters.

Collision coverage is not automatically included in your base SGI policy. If your vehicle is damaged in an accident where you are at fault, or where no other driver is identified, you may be paying out of pocket for repairs unless you have added this coverage.

Your deductible choices affect both your premium and your exposure in a claim. A broker can walk you through the trade-offs and help you find the right balance for your budget and your risk tolerance.

Seasonal vehicles, classic cars, and recreational vehicles all have unique coverage considerations under Saskatchewan’s system. If you own any of these, it is worth a conversation with a broker to make sure nothing falls through the cracks.

The best time to review your auto coverage is before you need it. If you are not sure whether your current policy gives you adequate protection, our team at Dusyk & Barlow would be happy to walk you through your options at no cost. Reach out to us at either of our Regina locations and let us make sure you are covered the right way.