It's a way of registering fleets of vehicles that travel in 2 or more member jurisdictions. Saskatchewan is a member of the IRP.
Businesses registered under IRP are eligible to participate in the Business Recognition program. However, they're assessed separately from other businesses due to the unique risks of inter-jurisdictional travel.
As a result, Business Recognition assessments for IRP vehicles may differ from those for other commercial vehicles. For example:
- The capped loss ratio doesn't apply to IRP businesses with 6 or more registered vehicles and a loss ratio greater than 80%. These businesses are subject to varying surcharges and are reviewed individually.
Businesses with both IRP and non-IRP vehicles will receive separate assessments for each group of vehicles.
New IRP businesses
IRP businesses with less than 3 years registration history may be subject to a further premium adjustment. Inexperience adjustments are independent of Business Recognition discounts and surcharges.
Like all businesses, IRP businesses registering vehicles in Saskatchewan for the first time must submit:
- details about their business' insurance history
- information about the history of the vehicles insured
IRP vehicles registered to individuals
As long as the individual has a good claims record, an IRP vehicle registered to an individual is eligible for a discount under the Business Recognition program.
However, if the individual is responsible for a claim, they may be assessed financial penalties under both the Safe Driver Recognition program and the Business Recognition program.
Appealing your assessment
The appeal process for IRP businesses is the same as that for other businesses, with one exception. Instead of contacting your motor licence issuer to initiate the appeal, call Branch & IRP Issuing Services at 751-1250 in Regina or toll free at 1-800-667-8015 ext. 1250.