The details shown below are for the Comprehensive Car Insurance
The details shown below are for the Comprehensive Plus Car Insurance
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Comprehensive Car Insurance |
| | Comprehensive Plus Car Insurance |
Comprehensive Car Insurance
Comprehensive Plus Car Insurance
If you’re a South Australian resident looking for one of the more far-reaching policies on the car insurance market, you should definitely consider SGIC’s Comprehensive Plus Car Insurance. A 2020 Mozo Experts Choice Award winner for Exceptional Quality Car Insurance, this policy has you covered for a range of events and gives you the opportunity to drive down your premium through generous no claim and loyalty discounts. It will even put $100 straight back into your pocket for signing up online.
When you take out a comprehensive car insurance policy with SGIC, you can choose between the standard cover or the 'Plus' option. The latter is essentially a higher level of cover and includes some features that aren't in the standard policy or would otherwise come as option extras (like hire car cover after an accident and excess-free glass repairs).
SGIC Comprehensive Plus Car Insurance comes stacked with features to cover you in a wide range of driving mishaps. For example, if your windscreen is chipped by a rogue rock on the road, you’ll be able to get that fixed without having to fork out any of your own money on an excess. SGIC also covers you for any work-related equipment in your vehicle (so long as it's registered for business use) up to the value of $1,500 and provides $500 worth of cover for any other personal property that might be stolen or damaged.
If you’d like some flexibility around who is responsible for repairing your pride and joy, this policy gives you the choice of repairer. Or if your brand new car is written-off or stolen within two years of you purchasing it, SGIC will replace it with another fresh set of wheels. Just bear in mind roadside assistance doesn’t come as standard for this policy (you can include it as an additional extra).
SGIC rewards its customers for their loyalty, so depending on the number of years you’ve held a policy with the company and the number of policies you hold, you could save up to 25% on your premium through a loyalty discount. On top of that, this policy also comes with one of the more indulgent no claims bonus schemes. If you’ve got a proven track record of being a safe driver, you will be eligible for a discount ranging from 25% to 65%. The best part is, even without a no claims bonus, SGIC will slash $100 off your premium when you sign up online.
This policy is a great option if you have splashed any extra cash on your car after purchasing it. SGIC Comprehensive Plus Car Insurance automatically covers any modifications made to your vehicle and will talk with you about agreeing a value for the car so that you can adequately replace it if something were to go wrong.
As SGIC is NRMA’s South Australian arm, this policy is only available for residents of that state. Also keep in mind that if you’ve got any kids that are likely to drive you car, it is a good idea to name them on your policy and avoid the unnamed driver excess of $1,200 for drivers under the age of 25.
Yes costs extra
$0 - $2,000
$400 for listed drivers under 20, $300 for listed drivers under 24, $1,200 for unlisted drivers under 25, $300 for inexperienced drivers over 25.
(VIC)
(NSW)
(TAS)
(NT)
65% (SA)
(QLD)
(ACT)
(WA)
6 years
$100
Discount from 5% to 25% offered, offer depending on years of relationship and numbers of policies held.
Maximum no claim discount is protected for life against no-fault claims after 3 years. Others can purchase protection for extra premium.
Fuel efficient vehicle discount
Optional Extra
Yes
Yes
n/a
n/a
Agreed or Market
Yes - within 2 years of original registration
Up to $500 if damaged or stolen.
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
Up to $800
Cost of one tow. Accommodation costs up to $150 per night for two nights, following theft. Accommodation costs up to $150 per night for five nights, following an accident.
Yes - Up to 21 days, max $65 per day.
Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $65 per day.
Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.
Up to $1,000
Up to $1,000 if stolen.
Up to $500 per item
Automatically covered.
No
Optional Extra
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).
Yes costs extra
$0 - $2,000
$400 for listed drivers under 20, $300 for listed drivers under 24, $1,200 for unlisted drivers under 25, $300 for inexperienced drivers over 25.
(VIC)
(NSW)
(TAS)
(NT)
65% (SA)
(QLD)
(ACT)
(WA)
6 years
$100
Discount from 5% to 25% offered, offer depending on years of relationship and numbers of policies held.
Maximum no claim discount is protected for life against no-fault claims after 3 years. Others can purchase protection for extra premium.
Loyalty discount, no claim bonus discount, fuel efficient vehicle discount, multi-policy discount
Optional Extra
Yes
Yes
n/a
n/a
Agreed
Yes - within 2 years of original registration
Up to $500 if damaged or stolen.
Yes - $0 windscreen excess.
Up to $800
Reasonable towing costs. Up to $250 for taxi fares. Accommodation costs up to $150 per night for two nights, following theft. Accommodation costs up to $150 per night for five nights, following an accident.
Yes - Unlimited days, max $95 per day.
Not at fault - Yes. At fault - Yes. Unlimited days, max $95 per day.
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
Up to $1,000
Up to $1,000 if stolen.
Up to $500 per item
Automatically covered.
No
Optional Extra
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).
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 reviewWe 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......
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 reviewHail 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.
I've had put a couple of claims in over the years and each time I've got through to them very quickly and they have been understanding, polite and very helpful. They got the ball rolling quickly and made it all as easy as possible for me.
Read full reviewI've had put a couple of claims in over the years and each time I've got through to them very quickly and they have been understanding, polite and very helpful. They got the ball rolling quickly and made it all as easy as possible for me.
Premiums and coverage are good, but as their call centre is overseas, the service during a claim leaves much to be desired.
Read full reviewPremiums and coverage are good, but as their call centre is overseas, the service during a claim leaves much to be desired.
Few issues but overall good
Read full reviewFew issues but overall good
