SGIC Comprehensive Car Insurance

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 loan that suits you best

  • Comprehensive Car Insurance

  • Comprehensive Plus Car Insurance

costs extra

up to 65%

$100

SGIC Comprehensive Car Insurance

costs extra

up to 65%

$100

costs extra

up to 65%

$100

SGIC Comprehensive Car Insurance

costs extra

up to 65%

$100

Mozo Review   SGIC Comprehensive Car Insurance Review

Last updated: 2 November 2018.

What's hot:
  • 2017 Mozo Experts Choice Winner

  • Sign up online and save $100

  • Loyalty discounts up to 25%

  • No claims bonus up to 65%

What's not:
  • Only available in SA

  • $1,200 unlisted young driver excess

Mozo snapshot:

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 Mozo Expert Choice Award winner in 2017 for Exceptional Quality, 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.

Key features:

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 tools of trade, 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 or stolen within two years of you purchasing it, SGIC will replace it with another fresh set of wheels. Just bear in mind that roadside assistance doesn’t come as standard for this policy but you can opt for it as an additional extra.

SGIC rewards its customers for their loyalty, so depending on the number of years you’ve had a relationship 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 so 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 that, even if without a no claims bonus, SGIC will slash $100 off your premium when you sign up online - so there are definitely savings to be had with SGIC’s Comprehensive Plus Car Insurance.

Who it's good for:

This policy is a great option for you 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.

Any catches?

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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 20, $300 for listed drivers under 24, $1,200 for unlisted drivers under 24, $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

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed or Market

  • - within 2 years of original registration

  • Up to $500 if damaged.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $800

  • Cost of one tow.

  • - Up to 21 days, max $65 per day.

  • 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 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

(*as voted by the Mozo community)

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 20, $300 for listed drivers under 24, $1,200 for unlisted drivers under 24, $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

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed

  • - within 2 years of original registration

  • Up to $500 if damaged.

  • Yes - $0 windscreen excess.

  • Up to $800

  • Reasonable towing costs. Up to $250 for taxi fares.

  • - Unlimited days, max $95 per day.

  • - 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 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

(*as voted by the Mozo community)

Customer Reviews

How are SGIC car insurance rated by the Mozo community?

Overall customer rating
8.2/10
Value for money
7.8/10
Policy coverage
7.8/10
Customer service
8.2/10
Claims handling
8.0/10
Trust
8.2/10

Latest reviews of SGIC Comprehensive Car Insurance

  • Overall
    7/10
    Few issues but overall good

    Few issues but overall good

    Few issues but overall good

    Value for money
    7/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Louise | South Australia

    reviewed over 1 year ago

  • Overall
    10/10
    Great service

    wonderful

    wonderful

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Miss | South Australia

    reviewed almost 2 years ago

  • Overall
    10/10
    Great customer service

    My husband had an accident interstate and they were prompt, helpful and paid out within a short...

    My husband had an accident interstate and they were prompt, helpful and paid out within a short time, no hassles.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Lyn | South Australia

    reviewed almost 2 years ago

  • Overall
    7/10
    Professional and reliable service

    Good product, reasonable price, always helpful and efficient service.

    Good product, reasonable price, always helpful and efficient service.

    Value for money
    7/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Sue | South Australia

    reviewed almost 2 years ago

  • Overall
    9/10
    Good price and good policy

    Good price and good policy

    Good price and good policy

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    8/10
    Trust
    8/10

    Peta | South Australia

    reviewed about 3 years ago

SGIC

About SGIC

See SGIC car insurance