SGIO car insurance

SGIO's overall rating for car insurance

(as rated by the Mozo community)

7.8 / 10

based on 317 reviews

Want to buy insurance from a company that harks back to the days of the 1926 goldfields? Backed by one of Australia’s largest general insurers, SGIO has a long history of insuring Western Australians with competitive, easy-to-understand policies. So if you’re after car insurance to keep your wheels safe, check out the details below.

SGIO 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 SGIO car insurance

What policies are available?

There are two SGIO car insurance policies listed in the Mozo database: the Comprehensive policy and the Comprehensive Plus. As the names suggest, the Comprehensive policy covers just about anything you could want your car insurance to cover - and the Comprehensive Plus includes anything else. Although, as always, keep in mind there are exclusions that won’t be covered by an SGIO - or any - car insurance policy.

Well then, what does each policy cover?

Let’s start with the Comprehensive policy. Some things you can expect to be covered for include:

If you opt for the Comprehensive Plus policy, then you’ll get all that, plus extras, including:

What options do I have in regards to excess?

Excess is the amount you’ll need to pay toward getting your car fixed before your insurance kicks in. It’s money you may need to come up with in an emergency, so it’s important to choose the right level for your budget.

With SGIO, you can choose a low or high excess amount - but remember that the lower your excess, the higher your premium, and vice versa.

How is my premium calculated?

Speaking of premiums - just how do they work out what you should pay for car insurance? Well, it basically comes down to how likely you are to make a claim on your policy. The more likely you are to claim, the more you’ll pay.

Some questions you might have to answer to help SGIO work it out include:

What discounts are available?

Another factor that can affect how much you pay for car insurance is what discounts you might be eligible for. When looking for an SGIO insurance policy, some discounts to keep an eye out for include:

How is SGIO rated by customers?

Ok, so now you know the important facts about an SGIO car insurance policy. But what about the things you can’t find out from an online guide? We’ve got that covered too. Head over to our customer review section to read how SGIO customers rate their experience in terms of things like customer service, convenience and the claims process.

How to make a claim

Best case scenario: you never have to make a claim on your car insurance. But accidents do happen, and you’ll feel much more in control of the situation if you know what you need to do before it comes to the crunch.
So, remember that you’ll need these things if you have to make a claim:

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