What type of insurance is provided to drivers classified as higher risk in Saskatchewan?

In Saskatchewan, drivers classified as higher risk are provided with Facility Insurance. This type of insurance is specifically designed within the framework of the Saskatchewan Autopac system to ensure that even those with a poor driving record or other risk factors have access to mandatory insurance coverage. It is a key element of the public insurance model in Saskatchewan, which is administered by the Saskatchewan Government Insurance (SGI).

Facility Insurance offers basic coverage that meets the legal requirements for operating a vehicle in the province, ensuring that all drivers can remain insured regardless of their individual risk profile. This is particularly important for promoting road safety and preventing uninsured driving, thereby protecting all road users.

The concept of public insurance means that it is provided by a government entity rather than private insurance companies, which typically can be more selective about whom they insure based on perceived risk. Hence, for those designated as higher risk, Facility Insurance is a vital lifeline to ensure compliance and safety on the roads.