SGIO Comprehensive Car Insurance

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 2019 Mozo Experts Choice Award winner for Exceptional Quality Car Insurance, 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.