SGIC - Comprehensive Car Insurance

SGIC Comprehensive Car Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • Sign up online and save $100

  • No claims bonus up to 65%

  • Loyalty discounts up to 25%

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.

How is SGIC car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.5

Based on 66
SGIC car insurance reviews

8.1 8.3 8.6 8.3 8.6

Read SGIC car insurance reviews by the Mozo community

Latest reviews of SGIC Comprehensive Car Insurance

SGIC

SGIC Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Great customer service

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

Full review

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   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Lyn (SA), reviewed about 1 year ago

SGIC

SGIC Comprehensive Car Insurance car insurance review

Overall rating   7 / 10

Professional and reliable service

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

Full review

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

    Value for money   7 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Sue (SA), reviewed over 1 year ago

SGIC

SGIC Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Competitive and excellent customer service

Pros: great customer service and support Cons: N/A

Full review

Pros: great customer service and support Cons: N/A

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

William (SA), reviewed over 2 years ago

SGIC

SGIC Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Hassle free insurer at a good price.

No hassle insurer, thats what you want. Painless process when when we change our car, changed the policy online at the dealer when we picked up our new car.

Full review

No hassle insurer, thats what you want. Painless process when when we change our car, changed the policy online at the dealer when we picked up our new car.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   -1 / 10

    Trust   10 / 10

Less

Long (SA), reviewed over 2 years ago

SGIC

SGIC Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Cheaper does not mean better or the same!

I recently was able to compare the difference in service as a result of taking up a cheaper option through by "bank". Within the year I had a kangaroo (hit by another car,) fallout of the sky onto my bonnet. The new insurer, questioned why I...

Full review

I recently was able to compare the difference in service as a result of taking up a cheaper option through by "bank". Within the year I had a kangaroo (hit by another car,) fallout of the sky onto my bonnet. The new insurer, questioned why I selected the tow agency, was difficult to negotiate with and made the claims process more complex and difficult than it needed to be.

    Value for money   7 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Wendy (SA), reviewed over 2 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

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.

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.

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).

(*as voted by the Mozo community)

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