Comprehensive Car Insurance

Complete peace of mind, that’s surprisingly good value.

SGIO Comprehensive Car Insurance is full of surprises, but not the kind that you might expect from your insurer. We favour good surprises, like a hire car for up to 21 days to use when yours is stolen, or cover that includes drivers who aren’t listed on the policy.**

That’s because at SGIO, we are proud to be part of the WA community. We understand that your car is an essential part of your lifestyle—getting to work, dropping the kids at school and doing the shopping. It’s why our focus is on value; striking a fair balance between what you pay and what you get, so you can enjoy true peace of mind.

What do we cover?

From as little as $1.00 a day, our Comprehensive Car Insurance covers your car for accidental damage, a collision or crash, severe weather events, theft, vandalism or malicious acts. We also cover your extras, like alloy wheels, your sunroof and even your custom sound system.^

Do you drive for a ridesharing service like UberX?*

We might be 90 years old, but we’re far from old-fashioned. If, for instance, you drive for a ride-sharing service, like UberX, we’ve also got you covered.

Simply nominate ‘ridesharing’ when asked how you use your vehicle. And, if you’re an existing customer, it’s easy to update your policy; just call us on 133 233, and we’ll be happy to help.

And, it’s your choice if you want to save!

At SGIO we’re all about value—providing trusted insurance that gives you real peace of mind. And, we understand that there’s also value in giving you a choice to save where you can.

Ask yourself. Do you:

  • Store your car in a garage?
  • Drive short distances?
  • Feel happy to pay a higher basic excess only if and when disaster strikes?
  • Prefer to pay annually?

If the answer is yes, you’ve just said ‘yes’ to another way to save!

And, just by buying a new policy online, you’ll instantly save $100!#

Choose to better match your Comprehensive Car Insurance to the way you use your car, and you can enjoy the peace of mind that comes from insuring your car with an insurer you know and trust, and the ‘peace of premium’ that comes from a better price.

Just like enjoying a Perthect summer’s day, with the sunroof open and your custom sound system up high, you can relax—knowing your car is comprehensively covered with our Comprehensive Car Insurance.^

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism or a malicious act
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Explosion
  • Tsunami
  • Modifications, options and accessories^
  • Emergency repairs up to $800
  • Hire car after theft or attempted theft up to $65 a day up to 21 days
  • New for old replacement if your car is written off in its first 2 years
  • Liability cover up to $20 million
  • Tools of trade up to $1,500 (business use vehicles)
  • Towing From the scene of an incident to a repairer

Optional cover

You can add options to your policy to increase your Comprehensive Car Insurance cover.

  • Hire Car: if your car is involved in an incident other than theft we'll pay the cost of a hire car up to $65 a day for up to 14 days
  • Windscreen: repair or replace your vehicle's windscreen, sunroof, or window glass without paying the basic excess
  • No Claim Bonus Protection: your No Claim Bonus won't change for the first claim you make in a policy year, even if you're the driver who caused the incident

Comprehensive Plus, our highest level of cover

SGIO Comprehensive Plus Car Insurance provides all the features of our Comprehensive Car Insurance, with additional cover to give you peace of mind.

Comprehensive Plus offers the following cover:

  • Hire car up to $95 a day until your car is repaired or your claim is settled
  • Excess-free windscreen, sunroof and window glass damage

Important documents

Download the Product Discloure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

Important Information

** Additional excess applies to drivers under 25 or with less than 2 years' driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products. 

^On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

* References to Uber or Uber X on this website or any other SGIO branded materials do not constitute an endorsement by Uber of SGIO, nor an endorsement of Uber by SGIO.

#To get the online discount, the new policy must be started and completed online. The online discount applies to: customers paying annually that pay either online or via BPAY only; and customers paying monthly that provide their bank or credit card details during the new business process. Western Australian risk addresses only.

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Why choose SGIO Insurance?

  • Automatic cover for modifications, options and accessories^
  • Flexible excess levels to help reduce your premium
  • With the Loyalty Discount,the more eligible policies you have and the longer you stay with us, the more you save
  • Experience – we’ve a history dating right back to the 1926 Goldfields
  • We cover anyone that drives your car**
  • Lifetime guarantee on repairs we authorise 
  • 24/7 Helpline assistance

 Frequently Asked Questions