The strangeness of Saskatchewan car insurance
I was very surprised to receive a letter in the mail from SGI today. As Saskatchewan, unlike other provinces I’ve lived in, has government insurance it is everyone’s insurance company. Upon opening the envelope, I immediately saw that a cheque was included; so, I knew it wouldn’t be bad news. The arrival of this letter was perplexing as my insurance isn’t due to be renewed until March and I already went through the arduous process of getting a partial refund once I proved that I’m not really as bad of trouble as some people think! When I moved here I was given a neutral rating until I provided letters from previous insurance companies showing that I had no at-fault claims. It seems like a silly system as anyone with anything bad on their claims history could just not bother to provide SGI with that information and save a fair bit of money. Before moving here I had heard that government car insurance was cheaper than private insurance companies but I am actually paying slightly more than I did in Labrador though I would definitely be paying more for insurance if I lived in Ontario. It sounds like male drivers under 25 save a lot with SGI which I’m not so sure is such a good thing. Anyway, a $12 cheque accompanied this letter. While I’ll certainly cash the cheque, I really wonder why SGI went to all this hassle. Couldn’t they just charge me $12 less come March? Doesn’t it cost a fair bit of money to issue these cheques and send these letters? I’m not really complaining but the car insurance system is Saskatchewan definitely seems strange to me!