SGI Restricted Auto Basic 5 — Questions and Answers
Question 1: Under SGI's Restricted Auto Basic, damage to your own vehicle caused by hitting a pothole is typically:
- Covered under collision coverage (Correct answer)
- Covered under comprehensive coverage
- Not covered under any basic plate insurance component
- Covered only if the municipality is sued
Correct answer: Covered under collision coverage
Pothole damage involves the vehicle striking a road hazard, which is considered a collision event under SGI's coverage.
Question 2: Which of the following best describes SGI's 'Restricted Auto Basic' compared to full SGI plate insurance?
- It offers higher liability limits than standard coverage
- It provides the same protection but at a reduced deductible
- It covers fewer optional perils and is generally purchased at a lower premium (Correct answer)
- It is only available to new drivers
Correct answer: It covers fewer optional perils and is generally purchased at a lower premium
Restricted Auto Basic is a lower-cost option that excludes some optional protections available in comprehensive plate coverage.
Question 3: A Saskatchewan driver's vehicle catches fire due to an electrical fault. Under Restricted Auto Basic, this is covered because fire is:
- A collision peril
- A comprehensive (non-collision) peril included in basic plate insurance (Correct answer)
- An excluded mechanical failure
- Covered only if the vehicle is under warranty
Correct answer: A comprehensive (non-collision) peril included in basic plate insurance
Fire is a named non-collision peril that is included in Saskatchewan's basic plate insurance under the comprehensive section.
Question 4: How long does a policyholder generally have to report a vehicle damage claim to SGI after the incident occurs?
- 24 hours
- 7 days
- As soon as reasonably possible (Correct answer)
- 6 months
Correct answer: As soon as reasonably possible
SGI requires claims to be reported as soon as reasonably practicable — unreasonable delays can jeopardize coverage.
Question 5: Under Saskatchewan's no-fault injury system, which type of damages can an injured party NOT sue for in most standard vehicle accident cases?
- Future income loss beyond SGI benefits
- Non-economic (pain and suffering) damages below the tort threshold (Correct answer)
- Medical expenses not covered by SGI
- Property damage caused by an at-fault driver
Correct answer: Non-economic (pain and suffering) damages below the tort threshold
Saskatchewan's no-fault system restricts tort claims for pain and suffering unless injuries meet a serious impairment threshold.
Question 6: A driver moves from Alberta to Saskatchewan and registers their vehicle. Their previous Alberta policy:
- Automatically converts to SGI coverage
- Must be cancelled and replaced with SGI plate insurance upon Saskatchewan registration (Correct answer)
- Remains valid for up to one year after the move
- Is not required as SGI coverage is optional
Correct answer: Must be cancelled and replaced with SGI plate insurance upon Saskatchewan registration
Once a vehicle is registered in Saskatchewan, the owner must obtain SGI plate insurance, and the out-of-province policy is no longer applicable.
Question 7: Under SGI's Restricted Auto Basic, which scenario would most likely result in a claim denial?
- A tree falls on a parked vehicle during a storm
- A driver backs into a fence in a parking lot
- A driver deliberately drives their vehicle into a body of water (Correct answer)
- A vehicle is damaged by flooding
Correct answer: A driver deliberately drives their vehicle into a body of water
Intentional damage caused by the insured is explicitly excluded from coverage under SGI's basic plate insurance.
SGI Restricted Auto Basic 5
Under SGI's Restricted Auto Basic, damage to your own vehicle caused by hitting a pothole is typically: