SGIO - Comprehensive Car Insurance

SGIO Comprehensive Car Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • No claims bonus up to 65%

  • Loyalty discounts up to 25%

  • Sign up online and save $100

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 Mozo Experts Choice winner in 2017 for Exceptional Quality, with this level of cover you can rest easy knowing you’re insured for almost anything that can happen to your pride and joy while enjoying the financial perks of a lower premium for being a loyal, safe and tech-savvy customer.

Key features:

SGIO’s Comprehensive Plus Car Insurance comes jam-packed with features that afford you the flexibility to tailor the important aspects of your car insurance policy. First off, if you’d rather pay a higher excess and therefore less on your premium, SGIO let you set your excess from nothing to as high as $2000.

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, but roadside assistance is an optional extra.

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.


Who it's 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.

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.

How is SGIO car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.0

Based on 124
SGIO car insurance reviews

7.4 7.9 8.0 7.7 7.9

Read SGIO car insurance reviews by the Mozo community

Latest reviews of SGIO Comprehensive Car Insurance

SGIO

SGIO Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Reasonable premiums

Easy to read policy wordings, don't have to specify accessories.

Full review

Easy to read policy wordings, don't have to specify accessories.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Troy (WA), reviewed 12 months ago

SGIO

SGIO Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Excellent in all aspects of their company

SGIO have provided their services to my family for 16 years and we have always found them 100% in their helpfulness and services.

Full review

SGIO have provided their services to my family for 16 years and we have always found them 100% in their helpfulness and services.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Colleen (WA), reviewed 12 months ago

SGIO

SGIO Comprehensive Car Insurance car insurance review

Overall rating   2 / 10

Not satisfied with SGIO

I have had several occasions where I have had to deal with someone over the phone which was made difficult and frustrating due to either language barriers or them finding it difficult to understand me even though I speak clear and fluent English....

Full review

I have had several occasions where I have had to deal with someone over the phone which was made difficult and frustrating due to either language barriers or them finding it difficult to understand me even though I speak clear and fluent English. They are also not competitive in their quotes.

    Value for money   1 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Jessica (WA), reviewed about 1 year ago

SGIO

SGIO Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Brilliant service and great value for money

We swapped from QBE after being unsatisfied, and are now are truly happy with our insurance company.

Full review

We swapped from QBE after being unsatisfied, and are now are truly happy with our insurance company.

    Value for money   6 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Zachary (WA), reviewed over 1 year ago

SGIO

SGIO Comprehensive Car Insurance car insurance review

Overall rating   7 / 10

SGIO has been a good insurance provider

Insurance is a valuable and important product that we must buy for protection and SGIO has successfully delivered.

Full review

Insurance is a valuable and important product that we must buy for protection and SGIO has successfully delivered.

    Value for money   7 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Jun (WA), reviewed over 1 year 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

  • $750 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

  • 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

  • $750 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

  • 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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