SGIO Comprehensive Car Insurance

This product is available in different versions. Pick the right version for you here.

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 loan that suits you best

  • Comprehensive Car Insurance

  • Comprehensive Plus Car Insurance

costs extra

up to 65%

$100

SGIO Comprehensive Car Insurance

costs extra

up to 65%

$100

costs extra

up to 65%

$100

SGIO Comprehensive Car Insurance

costs extra

up to 65%

$100

Mozo Review   SGIO Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 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 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.

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 2 April 2020. 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
  • 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
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - 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.

  • - 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.

  • Optional Extra

*as voted by the Mozo community

Details

Rates and fees information correct as at 2 April 2020. 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
  • 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
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - 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.

  • - 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.

  • Optional Extra

*as voted by the Mozo community

Customer Reviews

How are SGIO car insurance rated by the Mozo community?

Overall customer rating
7.8/10
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

  • Overall 1/10
    Competitive premiums and no service!

    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 review

    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.

    Value for money
    0/10
    Policy coverage
    6/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Don, Western Australia reviewed 1 day ago
  • Overall 9/10
    Helpful and fast

    Have been very helpful and fast when needed.

    Read full review

    Have been very helpful and fast when needed.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Kerry, Western Australia reviewed 6 months ago
  • Overall 8/10
    Why do evaluation drops but not premiums

    The insurer I was with was government, so it was established and well known and everything seemed to run smoothly.

    Read full review

    The insurer I was with was government, so it was established and well known and everything seemed to run smoothly.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10
    Less
    Kim, Western Australia reviewed over 1 year ago
  • Overall 9/10
    Reasonable premiums

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

    Read full review

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

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Troy, Western Australia reviewed over 2 years ago
  • Overall 8/10
    Long established Queensland company

    Long established Queensland company

    Read full review

    Long established Queensland company

    Value for money
    9/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Esther, Queensland reviewed over 2 years ago
SGIO

About SGIO

See SGIO car insurance