SGI Cheat Sheet 2026

The 30 highest-yield SGI facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. A broken yellow centre line indicates: → Passing is permitted when safe
2. When a tractor and a semitrailer are coupled, → adjustments should be made if the connection seems loose
3. What is the minimum distance in advance you must signal before making a turn in Saskatchewan? → 30 metres
4. When you encounter a funeral procession on a Saskatchewan road, you should: → Yield and do not cut through or split the procession
5. Who provides basic automobile insurance (plate insurance) in Saskatchewan? → SGI (Saskatchewan Government Insurance)
6. A policyholder with SGI has a vehicle stolen and recovered, but with $4,000 in damage. Their deductible is $500. How much does SGI pay? → $3,500
7. What is the correct method for descending a long steep grade with air brakes? → Select a low gear before descending and use steady light brake applications
8. What is the most important adjustment a driver should make when driving in adverse winter conditions in Saskatchewan? → Increase following distance and reduce speed to match road conditions
9. What does a double solid yellow centre line mean? → Passing is prohibited in both directions
10. Under SGI's Restricted Auto Basic coverage, which of the following losses is NOT covered? → Collision damage when the driver is at fault
11. What is a deductible in auto insurance? → The amount the insured pays out-of-pocket before insurance covers the rest
12. What is a brake adjustment check, and why is it critical? → Verifying push rod travel is within limits to ensure effective brake application
13. Under Saskatchewan's no-fault system, which benefit covers reasonable medical expenses not covered by provincial health care? → Medical, Rehabilitation and Habilitation (MRH) benefit
14. How many total stages does SGI's Graduated Driver Licensing (GDL) program consist of? → 3 stages
15. What does a flashing green traffic light at a signalized intersection in Saskatchewan indicate to a driver? → You have priority and may proceed or turn left while oncoming traffic faces a red
16. What is the purpose of the ELD (Electronic Logging Device) in commercial vehicles? → To automatically record hours of service and duty status data
17. What is the main reason a Class 1 driver should 'stab brake' rather than lock the brakes on a non-ABS equipped vehicle during an emergency stop? → Locking brakes causes the trailer to push the tractor sideways
18. There is no liability insurance if a car is registered as 5000 KG GVW but weighs 6000 KG in reality. → TRUE
19. Which of the following best describes SGI's 'Restricted Auto Basic' compared to full SGI plate insurance? → It covers fewer optional perils and is generally purchased at a lower premium
20. Under federal hours of service rules applicable in Saskatchewan, what is the minimum off-duty time required before a driver may start a new daily cycle? → 8 consecutive hours
21. What is hydroplaning and how can a driver recover from it? → Loss of traction on wet roads; ease off the throttle and steer straight
22. What is the purpose of the Saskatchewan Graduated Licence Program for motorcycle riders? → To progressively build skills before full unsupervised riding privileges
23. What is the purpose of the deductible on a Restricted Auto Basic claim? → It is the amount the insured must pay out-of-pocket before insurance covers the rest
24. What is the minimum time a driver must hold a Class 7 (novice) licence before becoming eligible for the Class 5 road test in Saskatchewan? → 24 months
25. What is subrogation in the context of SGI claims? → SGI's right to recover costs from the at-fault party after paying a claim
26. What should a new motorcycle rider do if the rear wheel skids? → Keep the brake applied and steer straight until stopped
27. What is the recommended action when driving through a large puddle or flooded area? → Slow down, drive through at a slow steady speed, and gently test brakes afterward
28. When should a motorcyclist ride in the left portion of a lane? → When approaching an intersection to increase visibility
29. When parking a Class 1 combination vehicle on a grade, what is the correct sequence for applying the parking brakes? → Stop with service brakes, apply spring parking brakes, chock wheels if required
30. What is the minimum third-party liability coverage included in Saskatchewan's basic plate insurance? → $200,000