Question 1

What coverage comes with a Saskatchewan licence plate?

Accepted Answer

Saskatchewan plate registration includes Collision and Comprehensive coverage with a $700 deductible and $200,000 Third Party Liability, the mandatory minimum under the Saskatchewan Automobile Insurance Act. Most drivers add private extension coverage through a Cherry broker for additional protection beyond the SGI base.

Question 2

I just moved to Saskatchewan from another province, how do I switch my driver's licence and plates?

Accepted Answer

You have 90 days from establishing Saskatchewan residency to transfer your licence and plates. You'll need two pieces of identity and two pieces of proof of residency. You'll also need a Light Vehicle Inspection from an SGI accredited body shop. Cherry handles the plate transfer in-office at any of our six locations, call 306-653-2313.

Question 3

How do I renew my vehicle registration?

Accepted Answer

You can renew your plate at any Cherry Insurance office, over the phone, or online through MySGI. Cherry is an SGI accredited licence issuer. Visit cherryinsurance.ca/mysgi to access MySGI through your nearest Cherry branch.

Question 4

What is the SGI Auto Extension?

Accepted Answer

The SGI Auto Extension is an optional add-on to your basic SGI plate coverage. It increases your Third Party Liability from $200,000 to $1M, reduces your collision deductible, and adds income replacement and medical benefits. Cherry brokers often suggest it for most Saskatchewan drivers. Ask your broker whether it's right for your situation.

Question 5

How do I insure an ATV in Saskatchewan?

Accepted Answer

In Saskatchewan you are not required to register an ATV for off-road use. Coverage can often be extended from your home or auto policy. Your ATV can be driven on Crown land including highway right-of-ways. Call Cherry at 306-653-2313 to confirm the right approach for how you ride.

Question 6

How do I make a payment on my Cherry Insurance policy?

Accepted Answer

You can pay at any Cherry office by cash, cheque, or debit. You can also pay through your bank by adding Cherry Insurance as a payee and entering your policy number as the account number. Pre-authorized monthly withdrawals are also available, contact your broker to set them up. Visit cherryinsurance.ca/make-a-payment for full details.

Question 7

How do I submit a claim?

Accepted Answer

For property and liability claims, submit online at cherryinsurance.ca/submit-a-claim or call your Cherry broker directly. For auto claims, report directly to SGI at 1-800-667-8015 or through sgi.sk.ca. Cherry brokers can help you understand your coverage and guide you through the process.

Question 8

What should I do immediately after an auto accident in Saskatchewan?

Accepted Answer

Ensure everyone is safe first. Call police if there are injuries or significant damage. Exchange information with the other driver, name, licence number, plate number, and insurance information. Document the scene with photos. Then report to SGI and call your Cherry broker. Cherry will walk you through the claims process.

Question 9

What does home insurance cover in Saskatchewan?

Accepted Answer

A standard Cherry home policy covers the dwelling, your personal contents, and personal liability. Common endorsements include sewer backup, overland water, and wildfire coverage for rural properties. A Cherry broker will work with you to review your coverage and limits at every renewal.

Question 10

Is tenant insurance mandatory in Saskatchewan?

Accepted Answer

It is not legally required but many landlords require it as a condition of your lease. More importantly, your building's insurance covers the structure, not your belongings or your personal liability. Tenant insurance fills both gaps at a very affordable cost.

Question 11

Does Cherry insure lake cabins and acreage properties?

Accepted Answer

Yes. Cherry insures seasonal and year-round recreational properties, acreages, and hobby farms across the Prairies and beyond. These properties have unique exposures that require a different approach than standard home policies. Talk to a Cherry broker about your property.

Question 12

What is Cherry AgSecure?

Accepted Answer

Cherry AgSecure is Cherry Insurance's dedicated farm insurance division. AgSecure specialists have real agricultural backgrounds and cover every aspect of the farm operation, dwellings, buildings, machinery, liability, grain, livestock, seed industries, and agrologist professional liability. A broker who knows your farm file.

Question 13

Does Cherry cover farm machinery at agreed value?

Accepted Answer

Yes. Cherry AgSecure places farm machinery coverage at agreed value, meaning you and your broker establish the insured value of each piece of equipment upfront. After a total loss, that amount is paid without depreciation deductions. Cherry brokers often suggest reviewing your machinery schedule annually as equipment values change significantly.

Question 14

What commercial insurance does Cherry offer?

Accepted Answer

Cherry covers building owners, contractors, transportation and fleets, hospitality businesses, lumber retailers through the exclusive Supply-Build Canada program, and surety bonds for contractors.

Question 15

What is the Supply-Build Canada program?

Accepted Answer

Supply-Build Canada is a formal commercial insurance partnership between Cherry Insurance, Intact Insurance, and Supply-Build Canada. It offers exclusive group rates, enhanced coverage extensions, and a disappearing deductible for losses over $25,000, exclusively for building supply retailers. Contact Rob Robinson at 306-653-2313 for details.

Question 16

Can Cherry issue a certificate of insurance same day?

Accepted Answer

Yes. Cherry brokers turn around certificates of insurance quickly, typically same day for standard requests. Call your broker directly rather than going through a general line. 306-653-2313.

Question 17

Is Cherry Insurance locally owned?

Accepted Answer

Yes. Cherry Insurance has been Saskatchewan family-owned and operated since 1945, four generations of the Cherry family. Never acquired. Never outsourced. Still answering the phone.

Question 18

How is Cherry different from going directly to an insurance company?

Accepted Answer

Cherry is an independent broker, we work for you, not for any single insurer. We access multiple carrier markets and find the coverage that fits your situation. Direct-to-insurer means one product from one company. Cherry means real choice.

Question 19

Where are Cherry's offices and what are the hours?

Accepted Answer

Cherry operates six Saskatchewan locations: Downtown Saskatoon (350 3rd Ave S): Mon-Fri 8:30-5pm; Erindale/McOrmond (1820 McOrmond Dr): Mon-Fri 8:30-6pm, Sat 9-5pm; Stonebridge (3126 Clarence Ave S): Mon-Fri 8:30-6pm, Sat 10-6pm; Circle Drive (206 Circle Dr E): Mon-Fri 8:30-6pm, Sat 10-6pm; North Battleford (1392 100th St): Mon-Fri 9-5:30pm; Prince Albert (4105 7th Ave E): Mon-Fri 8:30-5pm, Sat 10-6pm.

Plain answers to real Insurance questions.

SGI and Auto Insurance

Payments and Claims

Home and Personal Insurance

Farm Insurance

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General Questions

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