Demerit Points – Saskatchewan

Update:

SASKATCHEWAN’S  DEMERIT  POINTS


 

 

Saskatchewan’s Demerit Points

The number of points assessed for each driving incident depends on how likely the behaviour is to cause a crash. The exception is failing to wear a seatbelt, which is assessed points because of the increased chance of injury.

The most common incidents in each point category are listed first.

– 3 points

  • driver fail to wear seatbelt
  • exceed speed limit in school zone
  • drive while passenger unrestrained
  • turn left across traffic
  • fail to yield or proceed before safe
  • proceed contrary to signage
  • exceed 60 km/h when passing emergency vehicle
  • disobey amber light
  • exceed 60 km/h when passing highway worker or flag person
  • fail to yield to driver on the right
  • insufficient signaling
  • fail to yield to pedestrian
  • fail to yield when entering highway
  • fail to yield when leaving lane or alley
  • allow rider on vehicle exterior
  • fail to yield to pedestrian on amber light
  • fail to yield on green arrow
  • fail to stop for peace officer
  • disobey directions of flag person or peace officer
  • impede traffic
  • drive unsafely on being overtaken
  • radar warning device in commercial vehicle
  • overcrowded steering compartment
  • exceed 60 km/h when passing tow truck
  • turn left on red light when prohibited by sign
  • proceed contrary to green arrow

– 4 points

  • operating a vehicle while using a cellular telphone
  • fail to stop or proceed before safe
  • 24-hour roadside suspension (experienced driver)
  • without due care or reasonable consideration
  • disobey red light
  • drive while licence suspended or cancelled, or refused issue
  • 30-day roadside suspension (new driver)
  • stunting
  • exceed a safe, reasonable speed
  • fail to report collision
  • exceed speed limit by more than 50 km/h
  • disobey traffic control device
  • contest of speed
  • pass to the right
  • fail to stop for railway crossing signal
  • disobey school bus signal
  • disobey flashing red light
  • drive while on 24-hour suspension
  • false statement
  • drive left of median
  • fail to yield to emergency vehicle
  • fail to stop for level railway crossing
  • drive over median
  • enter or leave controlled access highway unlawfully
  • racing
  • insecure load
  • fail to activate school bus signal

– 6 points

At-fault motor vehicle collisions (where SGI pays $305 or more)

– 10 points

A conviction for one of these offences takes the driver to a safety rating of -20 points or less and causes the maximum financial penalty of $500 except for Criminal Code Offences resulting in injury or death, when the penalty is $2,500.

  • over 80 mg alcohol
  • drive while disqualified (provincial offence)
  • impaired driving
  • drive while disqualified
  • fail to comply with demand
  • dangerous driving
  • flight
  • leave scene of accident
  • impaired driving (injury)
  • dangerous driving (injury)
  • impaired driving (death)
  • criminal negligence (injury)
  • dangerous driving (death)
  • criminal negligence (death)
  • manslaughter
  • criminal negligence
  • flight (injury)
  • flight (death)
  • over 80 mg alcohol (injury)
  • over 80 mg alcohol (death)
  • fail to comply with demand (injury)
  • fail to comply with demand (death)
  • leave scene of accident (injury)
  • leave scene of accident (death)
  • criminal negligence while street racing (death)
  • criminal negligence while street racing (injury)
  • dangerous driving while street racing
  • dangerous driving while street racing (injury)
  • dangerous driving while street racing (death)

In the event of a discrepancy between the above wording and the governing legislation, the legislation will prevail.

View the The Safety Rating Scale for a visual representation of the program.

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Frequently asked Questions (SGI)

Saskatchewan Government Insurance (“SGI”) – Saskatchewan operates a mandatory vehicle registration and insurance program. When a vehicle owner purchases licence plate(s), they also purchase a basic package of insurance which includes coverage for damage to their own vehicle subject to a $700 deductible; coverage for personal injury as a result of a vehicle crash; and, liability insurance for damage their vehicle may cause to the property of others or injuries it may cause to other people. The basic liability insurance coverage is in the amount of $200,000.

What if I own more than one vehicle? Are they all eligible for my discount?

Yes. Each vehicle you insure in classes LV, PV or F (light) qualifies for your discount.

If someone else is at fault for a collision while driving my vehicle, do I lose my discount?

No. The discount applied to your vehicle is based on your driving record. The driver at fault for the collision will lose safety rating points and may be subject to a financial penalty.

Can I appeal movement on the Safety Rating Scale?

Drivers can appeal SGI’s assessment of demerit points for a collision. For more information, please review the Appeals page.

Am I assessed 6 demerit points for every collision where I have to pay a deductible?

Movement on the scale for motor vehicle collisions is determined by fault, not payment of a deductible. In some situations, even though you have to pay a deductible, you do not lose safety rating points. These situations may include collisions with wildlife and losses due to fire, hail, vandalism or theft.

You will be assessed demerit points for any collision, including a single-vehicle collision, where you are determined to be at least 50% responsible and SGI pays losses of at least $305 on your behalf.

What’s the maximum financial penalty?

When incidents result in a safety rating of -20 points or less, the maximum financial penalty is charged. This is $500, except for Criminal Code offences resulting in injury or death, when the penalty is $2,500.

When are financial penalties payable?

Financial penalties are assessed immediately following an incident, but motorists have 90 days to pay. After 90 days, payment must be made before new transactions with SGI can occur.

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20 comments

  1. Hi Margaret:
    It sounds like you have a vehicle that is solid metal, as opposed to
    these newer vehicles that appear to have more plastic built into them
    then metal.

    It also sounds like one of your challenges, while operating your
    vehicle, is the act of backing up. In both cases, you were
    backing up.

    Although you describe gently backing up and “tapping” the other
    vehicle, your gentle tap caused at least $305.00 to the other
    vehicles.

    The problem is, according to Saskatchewan Demerit Points,
    if the Saskatchewan Government Insurance (“SGI”) pays $305.00
    or more (because of the damage that your solid vehicle did to
    the other vehicle, when your “gentle tap” occurred) then you
    earn six (6) points.

    I wouldn’t describe your accidents as a “crash”, but your
    vehicle did come into contact with the other vehicles, causing
    at least $305 in damage to the other vehicle.

    It costs a fortune to repair and replace plastic on the new
    vehicles.

    Unfortunately, if anyone causes $305 or more to other vehicles,
    with their own vehicle, they will end up with six (6) points.

    Just because you have had some bad luck after 43 years doesn’t
    mean you should keep driving. This provides you with independence
    and freedom, which we all need.

    Good luck Margaret.

    Remember to always fightyourtickets.ca

  2. After 43 years of safe driving, I had 2 incidents. 1. January 2013 I backed out of a driveway and tapped a parked car on the other side of a narrow street. The car was standing out from the sidewalk a good piece because of snow build-up. 6 points. 2. I backed up gently and tapped a car. The driver had pulled up to the far right behind me on a curve. 6 points. No damage was done to my vehicle either time.
    HOW could either incident be equivalent to the same number of demerit points as someone who had actually been a crash?

  3. I received a ticket and the officer did not put my driver’s license, address or driver’s license province anywhere on my ticket. When I sent in disclosure information request, nobody sent me anything until one week prior to my trial date. The hearing is in Indianhead, Sask and I am from Manitoba. Is this reason to fight this ticket?

  4. Monopoly. In a proper market place, where competition drives price, SGI would have no power to treat us this way. This is disgusting.

  5. This without a doubt is the biggest scam I have ever encountered in my life, how on earth can you punish a driver who is randomly driving down one of Saskatchewan’s pot hole ridden streets cause damage to there car have to make a claim and give them 6 points against there license and call that 50 percent at fault how is that 50 percent at fault what a scam well i guess sgi thanks for your communist ways people if you have a single car collision take your car park it in a remote place and report it stolen then just pay the deduct-able guess we can be crooks like you sgi i am so disgusted about this I had know idea about this till a friend told me there experience 6 points for hitting a pothole what a fucking joke

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  7. My car slipped on icy road when I was turning right and my car’s drivers side hit a thick pile of ice which resulted to a dent. I claimed that from my insurance and I was demerit -6 on my safety rating. I am wondering why I was assessed at fault on this incident well in fact it was due to the road condition, icy road, and I was running below 20 at that time.

  8. Thanks in favor of sharing such a good idea, article is good, thats why i have read it fully.

  9. Hi Tyce:
    This may help: As a novice driver when you accumulate 6 demerit points you would have to attend an interview with the Ministry of Transportation and provide reasons why your driver’s licence should not be suspended.

    When you accumulate 9 demerit points, your driver’s licence will be suspended for an initial suspension period of 60 days. See the information posted below:

    Demerit Points and New Drivers

    As a Class G1, G2, M1 or M2 driver, if you get two or more demerit points, you will be sent a warning letter.

    At six points, you may have to go to an interview to discuss your record and give reasons why your licence should not be suspended. If you don’t attend, your licence may be suspended.

    At nine points, your licence will be suspended for 60 days from the date you surrender it to the Ministry of Transportation. You can lose your licence for up to two years if you fail to surrender your licence. A driver’s licence may be surrendered at any ServiceOntario Driver & Vehicle Licence Issuing Office, ServiceOntario College Park Driver and Vehicle Licence Issuing Office, or mailed to:

    Ministry of Transportation
    Driver Improvement Office
    Building A, Main Floor
    2680 Keele Street
    Downsview, ON M3M 3E6

  10. i am a novice 1 driver i was in a collision i lost 6 points so now im at -5 i was just wonder how many points i can lose before they suspend my license or take it away?

  11. I was driving on a Saskatchewan paved highway at night. I was below the speed limit because of the poor condition of the highway. My vehicle hit a large pothole, causing damage to the undercarriage. I couldn’t avoid the pothole because of an oncoming vehicle. There were no signs, red flags or markers to indicate the damaged portion. I phoned a tow truck and had the car towed to my hometown.

    On the following Monday, I phoned in the claim.The damage is most likley about $1000. I carry $100 deductible SGI package. The adjuster informed me that I would lose 6 points. A: Why is this claim not being handled by the department of Highways, and their insurance. B: How can I possibly be responsible for the Dept. of highways negligence?

  12. Hi Connor:
    The question is not an easy one to answer. But, if you want to find the answer, go onto the Saskatchewan Government’s website at http://www.sgi.sk.ca/individuals/registration/rates/sdr/index.html, you’ll find the following:

    Safe Driver Recognition program
    Safe Driver Recognition (SDR) uses a Safety Rating Scale to determine your safe driver points.
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    Your position on the scale is based on your driving record.

    The scale is based on points and works like a slide ruler – your safety rating moves from side to side (zone to zone) based on your driving record.
    Safety Rating Scale

    You start in a neutral position on the scale and begin to gain or lose points based on your driving habits.

    * In neutral on the scale, you’ll receive neither a discount nor a surcharge and will pay the base insurance premium.
    * You gain points for safe driving, which moves you towards or into the scale’s Safety Zone. Each point in the Safety Zone gives you a 2% discount off your vehicle plate insurance, to a maximum of 20%.
    * You can earn up to +16 safety points. The maximum discount remains at 20%, but the extra points act as a cushion to help shield you from the effects of an incident. Two-point cushion in Safety Zone.
    * You lose points for certain driving incidents, such as an at-fault collision or a traffic conviction, which moves you towards or into the Penalty Zone. Once you’re in the Penalty Zone, there is a $25 financial penalty for each point you lose.

    Note: Your position on the Safety Rating Scale is based on your driving record. If someone else is driving your vehicle and is at fault for a collision, it does not affect your position on the scale.
    Examples

    * If you sit at +7 in the Safety Zone and lose 3 points for a violation like not signaling properly, you move to +4. As long as you don’t lose any more points, you still qualify for an 8% discount on your vehicle insurance upon renewal.
    * If you sit at +4 in the Safety Zone and are at fault for a collision, you lose 6 points. This moves you to -2 in the Penalty Zone, resulting in a financial penalty of $50 for that incident. You continue to pay your base insurance premium upon renewal. If you have another incident that causes you to lose more points and moves you further into the Penalty Zone, you’ll pay another financial penalty that corresponds to your new position on the scale.
    * If you sit at -5 and drive safely with no incidents over the next year, you move 1 point back towards the Safety Zone to -4. You do not pay another financial penalty at this position and on renewal of your vehicle insurance you continue to pay your base insurance premium.
    * If you are in the Penalty Zone and drive safely with no incidents for 3 years, you automatically move back to neutral and can begin to earn points towards a discount.

    • • •
    Assets / Links:
    Penalty Zone – http://www.sgi.sk.ca/individuals/registration/rates/financialpenalties/index.html
    Safety Zone – http://www.sgi.sk.ca/individuals/registration/rates/financialdiscounts.html
    Two-point cushion in Safety Zone – http://www.sgi.sk.ca/individuals/registration/rates/sdr/twopointcushion.html

  13. Hi Barry:
    After 3 years of safe consecutive driving, you will be back to neutral and won’t have to worry anymore about the accident that you were in. I’ve listed the information below:

    You will be assessed demerit points for any collision, including a single-vehicle collision, where you are determined to be at least 50% responsible and SGI pays losses of at least $305 on your behalf.

    – 6 points – At-fault motor vehicle collisions (where SGI pays $305 or more)

    Drivers lose 6 points for the following incidents:

    * All at-fault collisions where SGI pays $305 or more
    * At-fault drivers will receive a notice by mail. It will indicate the driver’s new position on the Safety Rating Scale and match it with a corresponding financial penalty, if applicable.
    * At-fault drivers can appeal movement on the Safety Rating Scale, but not the determination of responsibility for the collision itself. Drivers wishing to appeal liability for a collision may do so through small claims court.
    * Drivers wishing to appeal their safety rating movement must do so within 90 days of receiving their safety rating change notice.

    How to move out of the Penalty Zone

    You can move out of the Penalty Zone through safe driving.

    * Each year of incident-free driving moves you 1 point towards the Safety Zone.
    * As long as you’re moving towards the Safety Zone, you do not pay another financial penalty – you pay only your base vehicle insurance premium.
    * After 3 consecutive years of safe driving, drivers remaining in the Penalty Zone automatically return to neutral – the starting point on the scale.

  14. Just wondering how long does it take to remove demerit points and will my drivers liscence yearly fee increase if I have received 6 demerits for a collision?

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