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SGIO Comprehensive Car Insurance

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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 product that suits you best

  • Comprehensive Car Insurance

  • Comprehensive Plus Car Insurance

Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 65%
Online discount
$100
Choice of repairer
Yes
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 65%
Online discount
$100
Choice of repairer
Yes

Mozo editorial review SGIO Comprehensive Car Insurance

Last updated: 2 June 2021.

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What's hot
  • 2020 Mozo Experts Choice Award
  • No claims bonus up to 65%
  • Sign up online and save $100
  • Loyalty discounts up to 25%
What's not
  • $1,250 unnamed young driver excess
  • Only available in WA
Mozo snapshot

If you want a car insurance policy that will cover you for a range of road-related mishaps and will give you the flexibility to choose your own excess or repairer, SGIO’s Comprehensive Plus Car Insurance could be the perfect policy for you. A 2020 Mozo Experts Choice Award winner for Exceptional Quality Car Insurance, SGIO's Comprehensive Plus Car Insurance comes with a number of financial perks including a lower premium for being a loyal, safe and tech-savvy customer.

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Key features

SGIO’s Comprehensive Plus Car Insurance comes jam-packed with features that afford you the flexibility to tailor your car insurance policy. First off, SGIO will allow you to choose an excess anywhere from $0 to $2,000. So you can choose to have a higher or lower premium and pay less or more come claim time.

This policy also allows you to choose who repairs your car if you are involved in an accident, and will insure your car at an agreed value so that you’re absolutely aware of what your payout will be if your car is written off or stolen. If that is the case and it was a brand new vehicle that has been completely ruined, Comprehensive Plus Car Insurance also comes with new car replacement within two years for brand new vehicles. You can add excess-free glass cover and key replacement cover to the list of neat features that this policy packs.

All this cover doesn’t necessarily have to be so expensive, either. SGIO offers a range of discounts and bonuses to help make this policy less of a financial foe and more of a comforting friend. For example, if you  sign up online, then you’ll instantly save $100 plus, if you’re a driver with a clean claims history you could qualify for a no claims bonus of as much as a 65%. There are also loyalty discounts that can grow to as large as 25% so make sure to enquire about your eligibility for these discounts when applying. On that subject, it is probably worth noting that if you prefer to pay your premiums on a month-to-month basis it will cost you more than it would to do so annually.


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Who is it good for

As NRMA’s representative in Australia’s most western state, SGIO Premium Plus Car Insurance is only available for residents of Western Australia. This policy also represents great value for you if you’ve recently modified your car. Not only will SGIO insure all legal modifications but by giving you some control over an agreed valuation, you can be sure you’ll be compensated for those extra hours and dollars that you’ve spent on your car if the worst case scenario was to materialise.

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Any catches

Just be aware of the $1,250 unlisted driver excess for drivers under the age of 25. If you do have a younger driver in the family that could drive your car, err on the side of caution and nominate them to be listed on your policy.

Details

Rates and fees information correct as at 17 June 2021. 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
  • Yes costs extra

  • $0 - $2,000

  • $750 for listed drivers under 19, $650 for listed drivers under 21, $550 for listed drivers under 24, $450 for listed drivers under 25, $1,250 for unlisted drivers under 25, $300 for inexperienced drivers over 25

  • (NSW)
    (SA)
    (QLD)
    (ACT)
    65% (WA)
    (NT)
    (VIC)
    (TAS)

  • 6 years

  • $100

  • 10% discount if you hold home or landlord insurance as well

  • 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
  • No

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • Yes - within 2 years of original registration

  • Up to $500 if damaged or stolen.

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

  • Up to $800

  • Cost of one tow. Accommodation costs up to $150 per night for two nights, following theft. Accommodation costs up to $150 per night for five nights, following an accident.

  • Yes - Up to 21 days, max $65 per day.

  • Not at fault - Optional Extra. At fault - 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

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

  • No

  • Optional Extra

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

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).

Details

Rates and fees information correct as at 17 June 2021. 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
  • Yes costs extra

  • $0 - $2,000

  • $750 for listed drivers under 19, $650 for listed drivers under 21, $550 for listed drivers under 24, $450 for listed drivers under 25, $1,250 for unlisted drivers under 25, $300 for inexperienced drivers over 25

  • (NSW)
    (SA)
    (QLD)
    (ACT)
    65% (WA)
    (NT)
    (VIC)
    (TAS)

  • 6 years

  • $100

  • 10% discount if you hold home or landlord insurance as well

  • 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
  • No

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - within 2 years of original registration

  • Up to $500 if damaged or stolen.

  • Yes - $0 windscreen excess.

  • Up to $800

  • Reasonable towing costs. Up to $250 for taxi fares. Accommodation costs up to $150 per night for two nights, following theft. Accommodation costs up to $150 per night for five nights, following an accident.

  • Yes - Unlimited days, max $95 per day.

  • Not at fault - Yes. At fault - Yes. 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

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

  • No

  • Optional Extra

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

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).

Customer Reviews

How are SGIO car insurance rated by the Mozo community?

Overall
7.7/10
Value for money
7.3/10
Policy coverage
7.6/10
Customer service
7.9/10
Claims handling
7.7/10
Trust
7.7/10

Latest reviews of SGIO Comprehensive Car Insurance

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