Rates and fees verified as correct at 03 March, 2021. Other information correct at the time of writing. Advertiser disclosure.
| Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
|---|---|---|---|---|
| Comprehensive Car Insurance | Yes costs extra | up to 65% | $100 | Yes |
| Comprehensive Plus Car Insurance | Yes costs extra | up to 65% | $100 | Yes |
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.
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:
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.
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:
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:
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.
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:
Mozo users have rated SGIO car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
319 Reviews
I went to SGIO a year ago, without doing 'Due Diligence!' I thought SGIO was still owned by the WA State Government. (SGIO stands for State Government Insurance Office.) But somewhere along the line, the business was sold to Insurance Australia group, who also owns such brands as NRMA, SGIC, CGU, Swann Insurance and WFI. They are BIG! I took out insurance with them, and inside a week, I was unlucky enough to be hit in the rear of my car while stationary (In Gridlock) on the Kwinana Freeway. The driver admitted responsibility, gave me his insurance details, etc - no problem. But, when I tried to claim with SGIO, firstly they took ages to reply to me. Then I waited another approx. three weeks without hearing from them. Meanwhile, I was driving around with parts at the rear of my car dangling down; not good. So then I started to ring/email them to find out what was happening. Eventually, somebody from their office told me that as I had made a claim within 7 days of taking out a policy, I was being investigated by them for fraud! I pointed out that I wasn't at fault, and the other driver had admitted liability, and his insurance would pay the damage bill, to no avail. In all, from memory, it was something like 6 or 7 weeks before the finally contacted me with repairer details. No apology for the long delay, or suspecting I was 'trying it on them' - nothing. Very 'High Handed'.Not good at all.
Read full reviewI went to SGIO a year ago, without doing 'Due Diligence!' I thought SGIO was still owned by the WA State Government. (SGIO stands for State Government Insurance Office.) But somewhere along the line, the business was sold to Insurance Australia group, who also owns such brands as NRMA, SGIC, CGU, Swann Insurance and WFI. They are BIG! I took out insurance with them, and inside a week, I was unlucky enough to be hit in the rear of my car while stationary (In Gridlock) on the Kwinana Freeway. The driver admitted responsibility, gave me his insurance details, etc - no problem. But, when I tried to claim with SGIO, firstly they took ages to reply to me. Then I waited another approx. three weeks without hearing from them. Meanwhile, I was driving around with parts at the rear of my car dangling down; not good. So then I started to ring/email them to find out what was happening. Eventually, somebody from their office told me that as I had made a claim within 7 days of taking out a policy, I was being investigated by them for fraud! I pointed out that I wasn't at fault, and the other driver had admitted liability, and his insurance would pay the damage bill, to no avail. In all, from memory, it was something like 6 or 7 weeks before the finally contacted me with repairer details. No apology for the long delay, or suspecting I was 'trying it on them' - nothing. Very 'High Handed'.Not good at all.
They were the lowest price overall. Very helpful when checking my options to help keep cost down as I am a pensioner now.
Read full reviewThey were the lowest price overall. Very helpful when checking my options to help keep cost down as I am a pensioner now.
My policy with my previous insurer was due to expire on 4/4/20, and as I was not happy with their renewal conditions, I decided to change to SGIO. In years past, SGIO was the State Government Insurance Office of Western Australia, and I remembered they had always been a good, fair and reasonable business to deal with. I paid a year's insurance to them several days before my policy was due to expire, specifying it was to start on the 4/2/20. On the 5/2/20, one day after my policy with SGIO commenced, I was rear-ended while stationary in stop-start conditions on the Kwinana freeway. The guy who ran into me admitted liability to me, and subsequently was on a phone call with an SGIO case officer. I was given the name of a repairer in my area by SGIO, and obtained a quote . As I was leaving the repairer, he volunteered that my file had a 'hold' placed on it by SGIO, and he was unable to order parts until the hold was removed. He suggested I contact SGIO to find out why the hold was in place. A phone call to SGIO told me that because I had made a claim within 10 days of taking out a policy, special provisions had to be complied with. One of the requests from SGIO was that they needed to sight a document from my previous insurer, saying I was no longer insured with them. I complied with this, but time passed and I was unable to get any further on what the holdup was. I aged visibly waiting on hold to speak to someone, and one time I actually got through before my phone battery went flat. She told me the case was still under investigation but was unable to give me a date when I would get the go-ahead. I resorted to sending increasingly strident emails to SGIO, which were ignored for a further three weeks. After a total of more than five weeks had passed, I eventually received the go-ahead to get the repair. I took my car into the repairer yesterday and collected it today have collected my car today from being repaired, after having to have driven around with rear-end damage for almost six weeks. (They did a great job.) During all of this time, SGIO stonewalled my claim without explanation, apart from telling me the delay was due to the claim being made within 10 days of the policy commencement.
Read full reviewMy policy with my previous insurer was due to expire on 4/4/20, and as I was not happy with their renewal conditions, I decided to change to SGIO. In years past, SGIO was the State Government Insurance Office of Western Australia, and I remembered they had always been a good, fair and reasonable business to deal with. I paid a year's insurance to them several days before my policy was due to expire, specifying it was to start on the 4/2/20. On the 5/2/20, one day after my policy with SGIO commenced, I was rear-ended while stationary in stop-start conditions on the Kwinana freeway. The guy who ran into me admitted liability to me, and subsequently was on a phone call with an SGIO case officer. I was given the name of a repairer in my area by SGIO, and obtained a quote . As I was leaving the repairer, he volunteered that my file had a 'hold' placed on it by SGIO, and he was unable to order parts until the hold was removed. He suggested I contact SGIO to find out why the hold was in place. A phone call to SGIO told me that because I had made a claim within 10 days of taking out a policy, special provisions had to be complied with. One of the requests from SGIO was that they needed to sight a document from my previous insurer, saying I was no longer insured with them. I complied with this, but time passed and I was unable to get any further on what the holdup was. I aged visibly waiting on hold to speak to someone, and one time I actually got through before my phone battery went flat. She told me the case was still under investigation but was unable to give me a date when I would get the go-ahead. I resorted to sending increasingly strident emails to SGIO, which were ignored for a further three weeks. After a total of more than five weeks had passed, I eventually received the go-ahead to get the repair. I took my car into the repairer yesterday and collected it today have collected my car today from being repaired, after having to have driven around with rear-end damage for almost six weeks. (They did a great job.) During all of this time, SGIO stonewalled my claim without explanation, apart from telling me the delay was due to the claim being made within 10 days of the policy commencement.
Have been very helpful and fast when needed.
Read full reviewHave been very helpful and fast when needed.
† 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.
