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:
- A new car if yours is written off (within 2 years of rego)
- Personal property damage
- Windscreen damage
- Storm, fire, flood, earthquake, explosion or tsunami damage
- Emergency repairs without assessment (conditions apply)
- Liability (to a certain dollar amount)
- A hire car if yours is stolen
If you opt for the Comprehensive Plus policy, then you’ll get all that, plus extras, including:
- A hire car while yours is repaired or while your claim is settled
- Excess-free cover for windscreen, sunroof and window glass damage
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 kind of car do you drive?
- Where do you usually park your car - in a garage, or on the street?
- What kind of area do you live in? Is it safe and free of vandalism?
- How old are you?
- How long have you been driving?
- Have you ever claimed on car insurance before?
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:
- No claims discount
- Discount for paying online
- Multi-policy discount
- Fuel efficient vehicle discount
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:
- Your insurance policy details.
- The details of anyone else involved in the accident, including contact and insurance information.
- Contact details for anyone who may have witnessed the accident.
- Photos of what happened.
- The police report, medical report or any other official documents relating to the claim.
