Safe Driver Recognition

SGI’s Safe Driver Recognition program provides safe drivers with a discount and higher risk drivers with lesser discounts or financial penalties to their basic auto insurance premium. Additional information about Safe Driver Recognition can be found on SGI's website.

Who can make a Safe Driver Recognition appeal?
Only drivers who are found at fault for a collision can appeal their movement on the Safety Rating Scale. Please keep in mind that liability for the collision itself cannot be appealed to the HTB. In other words, this appeal hearing only deals with the impact of the at-fault collision on your safety rating. 

If you wish to appeal liability for the collision and/or contest traffic tickets, you may be able to do so through the court system.

What am I appealing?
If you choose to apply for a Safe Driver Recognition appeal, you are appealing the inclusion of a specific at-fault collision on your safety rating. The onus of proof  is on you to explain why you feel this specific at-fault collision should not affect your safety rating.

You must satisfy the HTB that there are extenuating circumstances  surrounding the at-fault collision that would make it unfair to penalize your safety rating.

Filing a Safe Driver Recognition appeal
To file an appeal, please visit any SGI motor licence issuer. There is a $100 fee to have your appeal heard by the HTB.

Please allow at least 48 hours for your appeal to be received by the HTB before scheduling a hearing.

To schedule a hearing, call 1-855-775-8336. Should you decide that you do not wish to proceed with this appeal, please contact the SGI Auto Fund Insurance Program Administration at 1-800-667-8015

If you have any additional information or supporting documents (i.e. diagrams, photographs, weather reports, garage invoices, witness statements, police reports, court documents, etc.), please email/fax  it to the HTB at least two (2) business days prior to your hearing date.

What to expect at the hearing
Your appeal is heard over the phone. The conference call will include:

  • you (and any person you wish to involve in the hearing);
  • two Board members; and
  • a hearing coordinator (the person who arranges the conference call, takes notes during the hearing and relays the decision to you).

The hearing is informal, scheduled during the day and will take approximately 15 to 20 minutes of your time.

The HTB can either maintain or reverse SGI’s decision. The decision on how to settle your appeal will be communicated to you by phone shortly after your appeal hearing. The HTB’s decision with regards to your appeal is final and binding.

To request a written copy of your decision, please email/fax our office.

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