SGIC car insurance

South Australian based SGIC has been protecting Aussie homes, vehicles, boats and businesses since 1971. Backed by IAG, an SGIC insurance policy has all the strength of the largest general insurance provider in Australia and New Zealand behind it.

If that sounds like the kind of cover you want for your wheels, check out the details of SGIC car insurance policies below.

SGIC offers the following car insurance policies

Rates and fees verified as correct at 13 June, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes costs extra

up to 65%

$100

Yes

Comprehensive Plus Car Insurance

Yes costs extra

up to 65%

$100

Yes

Frequently asked questions about SGIC car insurance

What policies are available

There are two SGIC car insurance policies listed in Mozo’s database - Comprehensive, and Comprehensive Plus.

They both offer pretty excellent coverage for your car - but as the name suggests, the Comprehensive Plus has a few extra add ons that the Comprehensive option doesn’t. Check out the differences below.

What does each policy cover?

There’s a lot of crossover between the benefits offered on a Comprehensive plan and the Comprehensive Plus option. Some of the things covered by both include:

  • Your choice of repairer
  • A new car if yours is written off (conditions apply)
  • Theft or damage to personal property
  • Damage from storms, fire, flood or explosions
  • Emergency repairs without assessment (conditions apply)
  • Towing costs in an emergency
  • A hire car after having yours stolen
  • Cover for things like lost/stolen keys, baby seat or trailers
  • Modifications made to your vehicle (conditions apply)

If you need a little extra protection, you can opt for Comprehensive Plus and also enjoy:

  • Windscreen, sunroof and glass replacement
  • A hire car while your claim is being settled
  • Taxi fares to and from the repairer or an accident
  • Rental car after an accident (it’s also possible to add this as an optional extra on the Comprehensive policy)

What excess option should I go for?

When you choose an SGIC car insurance policy, you can choose to have no excess payments, high excess or anywhere in between. So why would you choose high excess if you don’t have to?

Well, the higher your excess is, the lower your premium will be. Which is good news if your budget is a bit tight at the moment, but remember that if there is an emergency, you’ll have to come up with the funds to cover that large excess before your insurance will pay anything.

How is my premium calculated?

Your premium is determined by working out how likely it is you’ll need to make a claim on your insurance - the more likely you are to claim, the more you’ll pay.

So how do they work that out? SGIC will look at a number of different factors, including:

  • What kind of car you drive - the make, model and colour
  • Where your car is kept when you aren’t driving it - in a garage or on the street
  • Where you live - is it a safe area
  • Who you are - particularly your age and how long you’ve been driving

How can I pay my premium?

When you’re trying to fit your insurance premium into your budget, it can really help to have a bit of flexibility. So you’ll be happy to hear that with SGIC, you can choose to pay your premium as one lump sum each year, or in monthly installments.

What discounts are available?

Another important thing that can change how you budget for your insurance premiums is what discounts are available to you. A good discount or two can make a huge difference to the cost of your policy, so keep an eye out for a:

  • No claims discount
  • Discount for paying online
  • Multi-policy discount, depending on how many policies and how long you've had them
  • Loyalty discount
  • Fuel efficient vehicle discount

How is SGIC rated by customers?

Want to know how SGIC customers rate their car insurance policies? We’ve got the details, from how trustworthy the company is and what the customer service is like, through to how easy it is to navigate the claims service in our customer review section.

How to make a claim

If you have an accident and need to make a claim, you can do so online or over the phone - but if you need a tow or need emergency help, it’s better to call. When you do make your claim, remember you’ll need a few details, including:

  • Details of anyone else involved in the accident, including contact details.
  • Contact details of anyone who may have witnessed the accident.
  • Photos of the accident, including the location, the vehicles and the number plates.

And to make things easier, you can use the SGIC app to collect all these details.

How is SGIC car insurance rated?

Mozo users have rated SGIC car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
SGIC car insurance
Overall
8.0/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

161 Reviews

Recent SGIC car insurance reviews

SGIC Car Insurance review
Overall 1/10
This company is completely dysfunctional.

Don’t go near any of the insurance brands associated with this company. Firstly, apart from the initial sales team if you ever have to make a claim you will be dealing with an overseas call centre. The 'SA-based' SGIC brand is the thinnest of facades and the current owners of the brand are trashing what was once a respected name. The reports of terrible experiences found elsewhere here are consistent with our disastrous experience. Their systems are hopelessly dysfunctional and, as mentioned by others, seems to be based on forcing unfortunate OS call centre staff to wear people down through sheer frustration so that customers give up when repeatedly no level of competent service or alternative to escape their spiral of ineffective non-action is provided. From our experience. You will never deal with the same person twice; you will have to explain the same thing over and over, in our case more than a dozen times; you will deal with unfortunate OS call centre staff who are thrown to the wolves with inadequate resources or power to resolve things (the company should be ashamed of the way these staff are used to avoid Australian senior staff having any contact with super-frustrated customers); you will not get replies to emails; you will wait to talk to people who have are not equipped to understand the case even though it has been written, drawn and explained a dozen times; if you demand to be sent something in writing it may be a text with a completely irrelevant link; you will be given contradictory advice that the staff cannot provide any backup explanation for - even after being put on hold for 10 minutes; you will not find an obvious way to talk to anyone with any capacity to get you off their exhausting call centre treadmill. Australian-based staff seem protected by the system at all costs so their call centre staff must face the music; you may get told to that your claim is finally resolved after 4 months and told to take it to an SGIC approved crash repairer and spend the time to do so; you may then be told the opposite based on a so-called new review finding that there was a breach of traffic light road rules - in an incident on an isolated country road with no traffic lights for miles around. You may then be told to provide the basic details of the incident again - approaching 5 months after the original claim; this reviewer may then send you a non-sensical letter that argues the original ‘not at fault’ decision no longer stands but does not even mention the fact a irrelevant traffic light rule was cited as the reason for the reversal of your country road incident decision; The letter may say that you have a week to contact the reviewer directly if there are any issues but where the phone number is meant to be is only xxx’s; so you may call the other overseas call centre number which answers as ‘welcome to RACV’ even though you are insured by SGIC; so you may then resort to email and the only reply you get before their deadline is an autoreply saying “thanks for your recent claim”; you may never feel so disappointed in an Australian company; you will feel very sad for the few remaining staff left in the Australian offices who must read these reports of what happens when the customers they sign up ever need to make a claim....

Read full review

Don’t go near any of the insurance brands associated with this company. Firstly, apart from the initial sales team if you ever have to make a claim you will be dealing with an overseas call centre. The 'SA-based' SGIC brand is the thinnest of facades and the current owners of the brand are trashing what was once a respected name. The reports of terrible experiences found elsewhere here are consistent with our disastrous experience. Their systems are hopelessly dysfunctional and, as mentioned by others, seems to be based on forcing unfortunate OS call centre staff to wear people down through sheer frustration so that customers give up when repeatedly no level of competent service or alternative to escape their spiral of ineffective non-action is provided. From our experience. You will never deal with the same person twice; you will have to explain the same thing over and over, in our case more than a dozen times; you will deal with unfortunate OS call centre staff who are thrown to the wolves with inadequate resources or power to resolve things (the company should be ashamed of the way these staff are used to avoid Australian senior staff having any contact with super-frustrated customers); you will not get replies to emails; you will wait to talk to people who have are not equipped to understand the case even though it has been written, drawn and explained a dozen times; if you demand to be sent something in writing it may be a text with a completely irrelevant link; you will be given contradictory advice that the staff cannot provide any backup explanation for - even after being put on hold for 10 minutes; you will not find an obvious way to talk to anyone with any capacity to get you off their exhausting call centre treadmill. Australian-based staff seem protected by the system at all costs so their call centre staff must face the music; you may get told to that your claim is finally resolved after 4 months and told to take it to an SGIC approved crash repairer and spend the time to do so; you may then be told the opposite based on a so-called new review finding that there was a breach of traffic light road rules - in an incident on an isolated country road with no traffic lights for miles around. You may then be told to provide the basic details of the incident again - approaching 5 months after the original claim; this reviewer may then send you a non-sensical letter that argues the original ‘not at fault’ decision no longer stands but does not even mention the fact a irrelevant traffic light rule was cited as the reason for the reversal of your country road incident decision; The letter may say that you have a week to contact the reviewer directly if there are any issues but where the phone number is meant to be is only xxx’s; so you may call the other overseas call centre number which answers as ‘welcome to RACV’ even though you are insured by SGIC; so you may then resort to email and the only reply you get before their deadline is an autoreply saying “thanks for your recent claim”; you may never feel so disappointed in an Australian company; you will feel very sad for the few remaining staff left in the Australian offices who must read these reports of what happens when the customers they sign up ever need to make a claim....

Value for money
1/10
Policy coverage
5/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Rick, South Australia, reviewed 6 days ago
SGIC Comprehensive Car Insurance review
Overall 8/10
Easy to deal with.

They are easy to deal with.

Read full review

They are easy to deal with.

Value for money
8/10
Policy coverage
9/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Maria, South Australia, reviewed about 2 months ago
SGIC Comprehensive Car Insurance review
Overall 1/10
-1 for SGIC DONT TRUST THEM

We have four cars, business retail and Warehouse with Insurance sgic, one accident in our three yr old Mazda ute with electric brakes and seven pin tow bar,our ute was written off by a drunk driver, no fault of our own and our insurance said $12,000 was the payment figure to us....... Well that was a slap in the face, to replace what we had is now $35,000, I mean twelve years with the one and only claim. After this is done, all family members will be leaving this insurance company, thats is about fifty thousand a year bye bye......

Read full review

We have four cars, business retail and Warehouse with Insurance sgic, one accident in our three yr old Mazda ute with electric brakes and seven pin tow bar,our ute was written off by a drunk driver, no fault of our own and our insurance said $12,000 was the payment figure to us....... Well that was a slap in the face, to replace what we had is now $35,000, I mean twelve years with the one and only claim. After this is done, all family members will be leaving this insurance company, thats is about fifty thousand a year bye bye......

Value for money
7/10
Policy coverage
7/10
Customer service
5/10
Claims handling
1/10
Trust
1/10
Less
Cheryl, South Australia, reviewed 3 months ago
SGIC Comprehensive Car Insurance review
Overall 1/10
Dishonest and lack of knowledge.

Hail damage on my one owner much loved pristine Golf. Taken to the referred repairer. Took a long time and many calls. Finally told me that it is repairable and booked it to be done. This was held up due to Covid. Later they phoned and reneged, saying it was a write off and a payout was to be sent and car surrendered. Horrified as the car was a rare and looked after very low mileage diesel with only external cosmetic damage. Told them I wanted to keep as is so they paid me out, deducted scrap value and told me all was fine even took my money for third party property insurance for one year as obviously not able to comprehensive it with hail damage. Drove it until rego ran out then find contrary to what they tell me I was driving illegally and the car was on the write off register. How can this happen then they have the audacity to charge me for cancelling the remaining balance on the third party insurance they sold me.

Read full review

Hail damage on my one owner much loved pristine Golf. Taken to the referred repairer. Took a long time and many calls. Finally told me that it is repairable and booked it to be done. This was held up due to Covid. Later they phoned and reneged, saying it was a write off and a payout was to be sent and car surrendered. Horrified as the car was a rare and looked after very low mileage diesel with only external cosmetic damage. Told them I wanted to keep as is so they paid me out, deducted scrap value and told me all was fine even took my money for third party property insurance for one year as obviously not able to comprehensive it with hail damage. Drove it until rego ran out then find contrary to what they tell me I was driving illegally and the car was on the write off register. How can this happen then they have the audacity to charge me for cancelling the remaining balance on the third party insurance they sold me.

Value for money
6/10
Policy coverage
6/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Cheryl, South Australia, reviewed 5 months ago

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