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This SGIO Home Insurance Premium, Excess, Discounts & Benefits Guide should be read with the SGIO Home Insurance Product Disclosure Statement and Policy Booklet (PDS) Edition 3 dated 9 January 2012.
Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out and renewing from 9 January 2012.
Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out from 20 March 2011 and for policies renewing from 2 May 2011.
We provide two levels of cover in the PDS:
- Home - provides our standard level of cover
- Home Plus - provides a higher level of cover
For the complete list of guides, please find them at the bottom of this page or go to the Premium, Excess, Discounts & Benefits guide section 
We offer the following discounts that you may be entitled to:
- Linked Policy Discount
- Multi-Policy Discount
- Years of Insurance Discount
- No Claim Bonus
The discounts you have will be shown on your current Certificate of Insurance.
The way in which the discounts are applied to your premium is set out under the heading ‘How we calculate your premium’ on page 2 of this guide.
Linked Policy Discount
Save 8% on your combined Home Buildings and Home Contents Insurance policy.
Multi-Policy Discount
A Multi-Policy Discount rewards you for holding multiple SGIO policies.
See if you qualify for a Multi-Policy Discount:‡
Multi–Policy Discount
How to qualify
Save 10% On your Home or Home Plus Insurance. |
Hold the following: Motor Insurance |
To receive the Multi-Policy Discount, the qualifying products must:
- be current; and
- have at least one common insured named on each policy.
On existing policies the discount applies from the date of the next renewal after you qualify.
‡ SGIO Commercial policies (such as Business Insurance and Farm Insurance) and Veteran, Vintage and Classic Vehicle Policies do not entitle you to a Multi-Policy Discount.
Years of Insurance Discount
Years of Insurance Discount rewards your loyalty. It is based on the number of years you have continuously held your policy with us.
Years of Insurance Discount
How to qualify
|
Save 3% On your Home or Home Plus Insurance. |
Hold your Home or Home Plus Insurance policy with us for: 3 to 4 years. |
Years of Insurance Discount
How to qualify
|
Save 5% On your Home or Home Plus Insurance. |
Hold your Home or Home Plus Insurance policy with us for: 5 to 9 years. |
Years of Insurance Discount
How to qualify
|
Save 10% On your Home or Home Plus Insurance. |
Hold your Home or Home Plus Insurance policy with us for: 10+ years. |
No Claim Bonus
We give you a No Claim Bonus to reward you for having a good claims record. We calculate your No Claim Bonus based on your insurance and claims history.
| The No Claim Bonus levels are: |
|---|
| 15% |
| 10% |
| 5% |
| 0% |
How does No Claim Bonus work?
Each year at renewal, your Policy automatically moves up to the next level of No Claim Bonus if you make no more than one claim in that policy period.
If you make two or more claims in a period of insurance, your No Claim Bonus will be set to 0%.
Your No Claim Bonus will not be affected if you make:
- a liability claim, or
- a claim for an incident that we agree someone else is responsible for and you can provide the name and address of that person.
If there is anything you don't understand about this SGIO Home Insurance Premium, Excess, Discounts & Benefits Guide, please call us on 133 233 or visit your local office.
Print or download a PDF of this guide
SGIO Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out and renewing from 9 January 2012.
SGIO Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out from 20 March 2011 and for policies renewing from 2 May 2011.
SGIO Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) - Policies commencing 16/08/2010 to 19/03/2011
