there must be 3.5% decrease.

"I'm just concerned my red car registration fee has gone up almost a hundred dollars from last year. I don't see any more stuff that has should be such a big increase and you better check your records here because I mean it's it's unreal that's someone(?) that has had no accidents or no insurance policy rebates(?) or nothing and you're reading(?) a hundred dollars. Thank you."

 I would like to express my opinion regarding our exorbitant motorcycle insurance costs in this province. Rates are way out of line with comparable jurisdictions. Penalize the operator and not the vehicle. I have been a licenced rider for forty two years. Why should I be penalized for another rider's stupid behaviour? I support RAGE's stand on this . Thank you

s I think that the rate increase on motorcyclist is unfair. I have contacted many friends across Canada and the USA and not one is close to the pricing for insurance that you have. It is clear that SGI must be out to cripple the motorcycles sellers and owners and have them stop selling and riding. I have had a package policy on my bike since they day I purchased it. But I see no discount for having it. And punishing the many for the few seams like a bad way to do business. And at this moment if there was some way to not insure my motorcycle with SGI and some other company I would.. And I would do it with all my vehicles and house.. So sad to see SGI DO THIS ...

I am writing in regard to the proposed rate increase on motorcycles in this province. The rate increase proposal is totally unacceptable and in my opinion unnecessary. The problem with SGI insurance and motorcycles is "NO FAULT INSURANCE". Because of the way no fault insurance is set up, all the costs to the rider and the motorcycle is charged to the motorcycle fund, whether the motorcycle was at fault in the accident or not. Because of the relative small number of motorcycles on the road in Saskatchewan, and the fact that so many people don't watch for them on the road, I can see where the system makes it look like the motorcycle is costing much more in repairs and rehabilitation than it actually is,(if the costs were correctly assigned to the vehicle that caused the damages.) The structure that SGI uses to insure motorcycles is also flawed. Why is my motorcycle (worth about $8000.00) charged almost the same insurance as a brand new $30,000.00> motorcycle? I know that most of the cost in a motorcycle accident is to the rider, not the bike, but really, does this make sense? Why can't we have brand specific rates, and rates that take into account the age of the rider, safety course training, driving record, etc. for motorcycles just like any other vehicle. It really baffles me why motorcycle riders are targeted with high rates, when there are other ways SGI could generate more income, such as make ATV's have vehicle registration and insurance. I am tired of going to my vacation lake property and watching people going around the lake (Candle Lake) on their quads and side by sides without having to pay anything for that privilege. It's the old " I'm at the lake" mentality, and the RCMP look the other way, even though they are lots of time traveling on a provincial highway. I have to pay exorbitant insurance rates, to ride my motorcycle, that the government now wants to classify it as an unnecessary recreation vehicle, yet they ride free. SGI is going to kill the motorcycle industry and clubs in this province that do a great deal of charity work and raise hundreds of thousand of dollars for medical research, etc. (example: "Ride for Dad") that raises funds for Prostate Cancer awareness and research. How many organizations will also suffer the effects of SGI rates? Obviously, SGI management that are proposing these outrageous rates, are not bikers. If they were, they would not be trying to destroy the motorcyclists of this province. It is interesting to note, that the three provinces with the highest motorcycle insurance rates, are: Manitoba, Saskatchewan, and British Columbia and they all have "NO FAULT INSURANCE". PLEASE, do not let SGI have these rate increases. In closing, if SGI cannot come up with reasonable rates, please release the motorcycles from the auto fund, and let us shop for our own insurance with private companies." This was posted on a motorcycle forum and I agree with it wholeheartedly.

Hello I am an avid rider and I am also a very safe rider. I totally disagree with the rate hikes on motorcycles. If you look at the accidents of car and motorcycles you will find that 90% of the time it is the car driver that is at fault not the bike rider. It will always be the biker who will get hurt by just plain physics of not having an iron box around you and no seat belt to hold you back in the case of an accident. That said your panel feels it necessary to punish bikers with rates that are not just or fair be it was not their fault that cause these accidents. Why should we foot the bill for bad drivers of cars? Punish the people who cause these accidents fully not the people who were in fact a victim of the car owners bad driving habits. The way your review panel is handling this punishes all bike riders and the statistics show its really the car drivers who are most at fault here. Please stop this unfair and unjust rate hikes to motorcycles rider and nail the people at fault. That’s the way it should be in the first place! Why punish bike riders just because they are on a bike? Finally a bike does not cost near the amount to replace or fix as a car but yet again we the bike riders are punished. This review panel does not and has not got this right and I am also forwarding this complaint to Mr Brad Wall  and the appropriate minister of highways.

Good Day and Ride Safe!

Hello I am an avid rider and I am also a very safe rider. I totally disagree with the rate hikes on motorcycles. If you look at the accidents of car and motorcycles you will find that 90% of the time it is the car driver that is at fault not the bike rider. It will always be the biker who will get hurt by just plain physics of not having an iron box around you and no seat belt to hold you back in the case of an accident. That said your panel feels it necessary to punish bikers with rates that are not just or fair be it was not their fault that cause these accidents. Why should we foot the bill for bad drivers of cars? Punish the people who cause these accidents fully not the people who were in fact a victim of the car owners bad driving habits. The way your review panel is handling this punishes all bike riders and the statistics show its really the car drivers who are most at fault here. Please stop this unfair and unjust rate hikes to motorcycles rider and nail the people at fault. That’s the way it should be in the first place! Why punish bike riders just because they are on a bike? Finally a bike does not cost near the amount to replace or fix as a car but yet again we the bike riders are punished. This review panel does not and has not got this right and I am also forwarding this complaint to Mr Brad Wall and the appropriate minister of highways. Good Day and Ride Safe!

My SGI rates have over doubled in 4 years on my motorcycles and I have a excellent driving record. If SGI can't do better then open it up to outside insurance companies and just have a charge for the plate without SGI insurance. It is illegal to close off the market and in violation of our human rights, if you cannot due better then LET US SHOP!!!

Agree rates shoul go up to stabalize the insurance however my vehicle 1991 |Ford 1/2 ton went up 19% as of April 2014 this after observing SGI stating in there web site Actual Rate $767 Proposed rate $731. my rate 59.02 x 12 = 708.24 this with 20% safe driver discount which means my rate is $849.88 not sure how this ads up or whgy there is a rate review panel if rates can be changed without notice.

Go after the idiots that have no clue how to drive and the ones that have multiple claims and the ones that are milking the insurance to get property fixed at others expense.I am sick and tired of paying more for others mistakes behind the handle bars of motorcycles and steering wheels of absolute bonehead drivers and scammers.Base it on ones driving record and make them pay not good honest people.

 I am sending this is re:to all the rate increases and to all the new laws being implemented by the Sask Gov. Give your head a shake and think of positive changes. The way I see it, the Sask Gov is on a money grab. I have been a rider since 1985 and there were very few riders back then. But raising insurance to the point of basically matching a person's bike payment is stupid. Increase after increase does not change anything except more money in the Gov hands.

Re: Motorcycle insurance. You know as well as I do that SGI is subsidising young drivers; they are higher risk, but do not pay higher premiums. I am older driver with three motorcycles. None of the bikes are worth much.  I have a perfect driving record and have the maximum plate discount. Yet you think it is ok to rob me? That is exactly what you are doing. I don’t mind subsidising young drivers, but I do not want to be the only one. You are screwing me over to keep your rates down. I can only ride one motorcycle at a time. Why can’t I buy one plate and transfer between bikes? This is what you are charging me: 2006 Honda CBR1000RR sport bike, value $4500 $157/month , $944 for 6 month 2000 Kawasaki Concours touring bike, value$2500 $111/month, $777 for 7 months 2008 Kawasaki KLR650 dual purpose, value $3500 $101/month, $808 for 8 month Total value of motorcycles = $10,5000, $368 plates per month, $ 2,529 insurance for the season. This is obscene! Why the different rates for different bikes? There is only one rider? So, the risk is no different because of the machine I ride! The value of each bike is almost nothing! So why the high premiums? If you are insuring the rider, and providing liability coverage, then why am I being charged THREE TIMES? There is only one of me riding at any given time, so I should be able to buy one plate to be used on any of the three machines. It is impossible for me to ride three machines at once. Now, you are talking of charging me even more next August. My rates should not go up, they should go down by 66%. But you are continuing to screw me over so young drivers can be subsidised and so your rates are kept artificially low. I am paying $2500 oer for motorcycles plus $2000 per year for a car for myself and my wife. That's $4500 per year! How much are you paying? There will be pay back next Provincial and Federal election for the exorbitant rates I pay for motorcycle insurance. What goes around comes around!

Re: Motorcycle insurance.

You know as well as I do that SGI is subsidising young drivers; they are higher risk, but do not pay higher premiums. I am older driver with three motorcycles. None of the bikes are worth much.  I have a perfect driving record and have the maximum plate discount. Yet you think it is ok to rob me? That is exactly what you are doing. I don’t mind subsidising young drivers, but I do not want to be the only one. You are screwing me over to keep your rates down.

I can only ride one motorcycle at a time. Why can’t I buy one plate and transfer between bikes?

There will be pay back next election for the exorbitant rates I pay for motorcycle insurance.

Dear Sir or Madame; I have enclosed renewal notices for my two 1975 farm trucks RCK 775 and FSX 573. When the package policy I carried on RCK 775 expired in 2011 SGI informed me my vehicle was not worth more than a $700.00 deductible. These vehicle's travel a low number of kilometers per year yet the registration's keep rising. How can 35% of the registered vehicles receive a rate decrease? What vehicles can be eligible for a rate decrease if my 1975 farm trucks are not eligible for a rate decrease. My vehicle registration is clearly subsidizing the rates of luxury car owners.

To honorable premier Brad Wall and Sask Motorcyle Rate Review: I have read the Motorcycle rate review report on new safety initiatives, and new clothing impositions on those whom ride motorcycles. I do agree somewhat with some of the safety training recommendations, however, telling someone how we may be required to dress borders on communism. I want my freedom. I will wear a helmet, but anything else is my choice. SGI has no doubt failed miserably at designing options into insurance and continues to follow the same old path. They are always sneaking through the back door with higher fees designed around less product. I could make you a list if you like.  When I see my peers in Alberta paying 1/2 to 1/3  in insurance premiums as  compared to us in Sask, I conclude SGI has failed. Does this suggest that Alberta motorcycle drivers are 2 to 3 times safer than Saskatchewan drivers. No, what it means is monopolies do not need to compete. When are we going to make a stand for freedom. We need vehicle insurance competition in this province, as we have competition in all other business models.   I have lived in Sask near Lloydminster all my life, and envy the freedom those whom live across the border have. I also travel to the US in Winter and upon crossing the border, feel as though a burden of socialism has been lifted from my shoulders. If you really want to contribute something worthwhile to the province, open the door to competition and say NO to more regulations. You need to let me and others choose the coverage we want for both motorcycles and other vehicles. At my age, having driven probably 2 or 3 million miles, I will decide what I will wear. Thank you in advance for thinking a little about my comments.  

 Not recommended

Ok enough is enough. Since 2009 my rate has more than doubled for my motorcycle with no accidents, claims, fines of any kind! When are you going to wake up to the reality that if these rates remain as high as they are now, the motorcycle industry will dwindle away to nothing! Went to renew my plates just yesterday but at $207 a month! Not a chance. It's is so sad to see something that I am so passionate about no longer be a possibility. Single income family, 3 dependants and I can't even enjoy my now paid for motorcycle! Do we need to band together to sue SGI for is bashing of the books a failure to the public to see far enough ahead that the current and past methods if even getting a motorcycle licence was a joke? I've ridden from St. John's Newfoundland to Edmonton Alberta over the last 17 years and am appalled at the current rates! So for the 25000 or so bikers in the province we have to solely pay the price for the 9 million SGI has paid out in claims with a riding season of an average 4 months a year. On top of that most of us work and only ride a few days a week or even a month! Has the review panel even considered this when raping a minority group of riders? Have they considered where the majority of claimed resulted, city, rural, highway? How about the fact that a large percent of claims were the result of bad car/truck drivers? Shouldn't that come from the auto fund and not the motorcycle fund? How about some serious restructuring within the whole SGI system? In your report you repeat that there are no studies to prove or disprove certain facts but you still hike the rates and consider unproven suggestions! Had SGI ever sent motorcycle riders any surveys by mail, have they attempted to hold any sessions, meetings in the rural areas of Saskatchewan for formal and real world input? No! Rates from 2009 were reasonable. Now they are just outrageous an unaffordable! Shame on all of you

Ok enough is enough. Since 2009 my rate has more than doubled for my motorcycle with no accidents, claims, fines of any kind! When are you going to wake up to the reality that if these rates remain as high as they are now, the motorcycle industry will dwindle away to nothing! Went to renew my plates just yesterday but at $207 a month! Not a chance. It's is so sad to see something that I am so passionate about no longer be a possibility. Single income family, 3 dependants and I can't even enjoy my now paid for motorcycle! Do we need to band together to sue SGI for is bashing of the books a failure to the public to see far enough ahead that the current and past methods if even getting a motorcycle licence was a joke? I've ridden from St. John's Newfoundland to Edmonton Alberta over the last 17 years and am appalled at the current rates! So for the 25000 or so bikers in the province we have to solely pay the price for the 9 million SGI has paid out in claims with a riding season of an average 4 months a year. On top of that most of us work and only ride a few days a week or even a month! Has the review panel even considered this when raping a minority group of riders? Have they considered where the majority of claimed resulted, city, rural, highway? How about the fact that a large percent of claims were the result of bad car/truck drivers? Shouldn't that come from the auto fund and not the motorcycle fund? How about some serious restructuring within the whole SGI system? In your report you repeat that there are no studies to prove or disprove certain facts but you still hike the rates and consider unproven suggestions! Had SGI ever sent motorcycle riders any surveys by mail, have they attempted to hold any sessions, meetings in the rural areas of Saskatchewan for formal and real world input? No! Rates from 2009 were reasonable. Now they are just outrageous an unaffordable! Shame on all of you

 the rate increases for motorcycles are verging on the ridiculous. I have been riding 45 years with no accidents or tickets on my bike and feel that I am being penalized because of a few bad drivers. I also feel that SGI is using rate increases as a money grab aimed at bike riders. All this will accomplish is people riding without insurance on day permits. Please pass on my complete revulsion of what SGI is trying to do. And remember that most bike riders are responsible adults and not joy riding kids.

Last year SGI and the rate review panel completely ignored recommendations to fix the problem of ever increasing insurance rates by holding bad drivers much more responsible for their driving record with the rates they pay. This is what most every other jurisdiction in Canada does with their auto insurance. Surprise... this year is another proposed increase in Saskatchewan. When will SGI and the review panel stop the insanity? Everyone should know the allegorical definition of insanity is doing the same thing over and over again and expecting a different result. This endless cycle of rate increases will not change unless bad drivers are forced to account much more for their bad records. In other provinces, the rates between a bad driver and a good driver can vary by 1000%; in Saskatchewan it varies by 40% plus a basic charge. Pathetic. 40% variance is not a disincentive to bad drivers and the results are seen in SGI claims and costs. The current system and its associated costs is very much demonstrating that drivers are not changing their behaviours. Make bad drivers pay a lot more penalty in their rates to account for their costs. Provide accountability to engender behaviour change. And give the good drivers (especially more than 6 years without any accidents) added discounts to reward good records. This is not rocket science. Will the review panel and SGI continue to ignore the experience and much higher driver record accountability through rate charges as found in the other provinces in Canada?As such, the review panel should reject the SGI proposal and direct SGI to make changes to the rate structure to benefit the best driving records more and hold bad driving records much more accountable. It is through this rate structure that SGI needs to manage costs, not through general rate increases for the umpteenth time which have not worked and do not address the root issue. I agree with RAGE and put forward their advocacy as well to the review panel.

 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