SGIC Car Insurance
SGIC has been protecting South Australians since 1971, but does it have the right policy for you?
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Whether you’re looking for basic liability cover, comprehensive protection for your car, or you have a vintage car you wish to keep safe, SGIC offers a range of policies and additional cover to meet your needs. But what exactly do you get for your premiums? Check out our overview to see what a policy with SGIC can provide.
We don't currently have this brand on our panel. But don't fret! You can head to the SGIC website or compare a bunch of other car insurance companies with finder.
What cover options are there?
- Third party property damage. A no-frills policy providing essential cover for liability of up to $20 million, and up to $5,000 worth of cover if your car is damaged by an uninsured driver.
- Third party fire and theft. Includes the same protection as third party property damage cover, with the added security of fire and theft protection, up to a market value of $10,000.
- Comprehensive. Cover your car for accidental damage, collisions, severe weather events, fire, theft, vandalism, malicious acts or any other event that might keep your wheels off the road. Comprehensive cover also includes any modifications or accessories, such as alloy wheels, and even your custom sound system.
- Comprehensive Plus. As well as all the benefits of comprehensive insurance, Comprehensive Plus includes excess-free windscreen, sunroof and glass cover, and a hire vehicle while your car is being repaired, or until your claim is settled.
- Veteran, Vintage and Classic. Whether you drive a veteran (pre-1919), a vintage (1919-1930) or a classic (15 years or older) vehicle, SGIC provides cover for the car’s agreed value against accidental or malicious damage, collisions, severe weather events, fire, theft and vandalism.
How does each cover type compare?
|Third party property damage||Third party fire and theft||Veteran, Vintage and Classic||Comprehensive||Comprehensive Plus|
|Loss or damage to your car|
|Crash with at-fault driver|
|Baby capsules and child seats|
|Hire car after incident|
|Key and lock repairs|
|New replacement car|
|Tools and equipment|
|Trailer or caravan damage|
|Vehicle pick-up and return|
|Windscreen, sunroof and window glass damage|
What additional cover options are there?
- Hire car. Available with both comprehensive policies, this option provides you with a hire car, to a limit of $65 a day, while your vehicle is being repaired or until your claim is settled, whichever happens first.
- Windscreen. This option is available with both comprehensive policies and covers you for any excess that applies when you make a claim under ‘Windscreen, sunroof and window glass damage’.
What exclusions are there?
It is not possible to claim any damage that happened outside Australia or the policy period. Your claim will be rejected if:
- The driver was under the influence of drugs or alcohol
- Your car was being driven by an unlicensed driver, or their licence was suspended
- The damage was intentional or as a result of reckless driving
- Your car exceeded the legal passenger or load limit
- Your car was being used unlawfully or in conjunction with illegal activities
- Your car was used for racing or other motorsports
- The damage was a result of previous damage, faulty repairs, poor workmanship, rust, depreciation or general wear and tear
- Your car was not secured or left in an unsafe location
- Your tyres were damaged by punctures, bursts or braking
- You have otherwise breached your policy conditions, such as providing false information
What excess do I need to pay?
An excess is the amount you contribute towards the cost of your claim. Your Certificate of Insurance will show the types of excess that apply to your policy and how much they cost. You may need to pay more than one excess; for example, if your car was damaged by a storm and the windscreen was also damaged, you would need to claim against severe weather and windscreen damage.
How do I make a claim?
If you are involved in an accident, contact any emergency services required, such as police or ambulance. Collect any information about the incident, such as driver details (full name, address and contact numbers) and vehicle details (make, model, registration and insurance information).
Contact SGIC 24 hours a day, 7 days a week on 133 233, or if you have Comprehensive Plus cover, you can call 1300 654 903. You can also lodge your claim online at sgic.com.au.
More guides on Finder
2021 Kia Stinger 330S review
The Kia Stinger 330S costs $9,800 less than the top of the line GT model. But should you buy it?
Car loan statistics 2021
Finder research shows 2.7 million Australians have a car loan. Find out how much Aussies are borrowing, and how this has changed over time.
Six of the best electric cars in Australia
Here are some of the best electric cars in Australia in 2021.
Optical inclusion: Extras cover the top reason for taking out health insurance, survey finds
Extras cover is the number one drawcard for Australians who take out private health cover, new research from Finder, Australia’s most visited comparison site, reveals.
Citi Rewards Card – Bonus Points Offer
Earn flexible rewards points as you spend and enjoy a big 100,000 bonus points offer with the Citi Rewards Credit Card.
Where can I travel from Australia in 2021?
Discover exactly what you need to know about leaving Australia.
Find out about the different types of warehouse storage solutions, how much they cost and where to find them.
HSBC Platinum Credit Card
This card offers 0% interest on balance transfers for 36 months, a discounted $29 first year annual fee and platinum benefits including airport lounge passes and complimentary insurance covers.
Apeman C450 Dash Cam Review: Functional, but not fancy
If you just want to track your car’s progress for the fundamentals, the Apeman C450 will get the job done, but its price does reflect the lack of polish or additional features on offer.
Home office insurance
We talk you through how to get home office insurance.