Judy Johnston Insurance Services

Auto Insurance

Auto Insurance

Auto Insurance

In Saskatchewan we have government-run insurance programs, whereby the province provides the basic insurance benefits in the event of an accident, and private insurers compete to sell top-up coverage or package policies.

We are a licensed SGI motor license issuer & also provide Auto Extension Policies through: SGI CANADA & Saskatchewan Mutual Insurance (SMI). Auto extension policies enhance your basic plate insurance by offering increased liability, reduced deductibles, replacement cost coverage and other important coverage options.

No-fault Insurance

Despite the name, no-fault insurance is still very much concerned with who caused an accident, so as to decide who pays for direct compensation and property damage. The big change from traditional, fault-based litigation is that insured persons look to their own insurance company for accident benefits, such as health care and income replacement. Fault is determined by the insurance companies using a series of allocation rules based on typical accident fact situations. In Saskatchewan we have government-run insurance programs, whereby the province provides the basic insurance benefits in the event of an accident, and private insurers provide top-up coverage or package policies.

The insurers that we work with to provide top up coverage and package policies includes: SMI and SGI Canada.

Other Auto Insurance options we can provide you with include:

Short-Term Vehicle Registration and Insurance

Short-Term Vehicle Registrations are ideal for vehicles which are driven at specific time periods within the year. The auto extension policy will apply while the vehicle is licensed, and coverage will continue while the vehicle is temporarily unlicensed and in storage, where it is at risk for theft and damage. As long as the vehicle is stored within Canada, the policy covers up to the actual cash value of the vehicle. Each policy will have a deductible for various damages, depending on your coverage.

If a vehicle is unlicensed and is in storage permanently or is up for sale, an auto extension policy must be issued as an unlicensed vehicle that will protect the car to a specified cash value.

Commercial Auto Extension

Commercial auto extension policies are available for businesses requiring vehicles on the road. Coverage options are available for:

  • Contractors
  • Couriers
  • Delivery vehicles
  • Long Haul Trucking
  • Cargo and Transportation Insurance

Cargo insurance is mandatory and required by law for commercial carriers with a commercial A plated unit and a registered Gross Vehicle Weight of over 5000 kg. There are minimum limits of cargo insurance required according to the registered Gross Vehicle Weight.

Transportation insurance covers businesses hauling goods in vehicles, such as couriers or light delivery vehicles, and provides coverage for the contents that are being hauled.

Other Vehicles

Coverage is also available for other types of vehicles, including:

  • Motorcycles
  • Snowmobiles
  • Trailers
  • Antique-plated vehicles

Antique & Classic vehicle insurance

Antique vehicle plate insurance is different from regular plate insurance. Firstly, regular plate insurance is cheaper, but unfortunately doesn’t value your vehicle the way it should be. Basic plate insurance assumes that your vehicle isn’t worth much because your vehicle because it is older. Your antique vehicle may be old but it isn’t just an antique; it’s a classic! So, let’s treat it with a bit of respect and get your the coverage that you and your antique and classic vehicle deserves.

Hagerty Drivers Club

Your classic vehicle deserves to be handled with the utmost care. When you are a Hagerty Drivers Club member, you get flatbed towing from pick up to destination with soft nylon straps.

Storage Insurance

Your classic or antique probably isn’t a vehicle that you are driving daily. While your vehicle may be carefully stored it’s important to remember that your vehicle may still be at risk of a claim. Unexpected losses such as theft, vandalism, and other threats still exist, and your home insurance unfortunately will not extend to protect your vehicle. A package policy will, however provide the coverage you need.

Photo & car courtesy of Owen Jeancart


This coverage will kick in if your vehicle collides with another vehicle, a tree, or a snow drift. You have this coverage whether you have a policy or plates however if you’re found responsible or liable for a collision when you only have plate insurance on your vehicle, you’ll have to pay a $700 deductible. When you purchase a package policy, you have the option to lower the deductible to an amount that’s more affordable.


This coverage is for perils or losses like vandalism, wind, hail, fire, and theft. If you only have plate insurance on your vehicle you’ll have to come up with $700 to pay for the deductible. Package policies when purchased have deductible options starting at $50.


If you’re ever held responsible for causing bodily injury or property damage to a third party, you’ll want more than the basic plate limit. This coverage protects you from being financially responsible when you are sued.

Agreed Value

This is the value that your vehicle will be insured for based on the proven value of your vehicle, as determined by both you and the insurance company. Appraisals, photos, or other relevant documentation will determine the vehicle’s value. You will provide these to the insurance company so that they can get a big-picture look at your vehicle. With Agreed Value coverage on your policy, the insurance company will guarantee that they will pay this agreed-upon value in the event of a covered total loss.

Hours of Operation

Monday – Friday 8:30AM – 5:30PM
Saturday 9AM – 3PM


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