SGIC car insurance

SGIC's overall rating for car insurance

(as rated by the Mozo community)

8.1 / 10

based on 155 reviews

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 insurer 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

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

Yes costs extra

up to 65%



Yes costs extra

up to 65%



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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:

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

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:

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:

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:

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

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