Comprehensive Car Insurance

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A small price to pay for complete peace of mind

As West Australians, we love our cars, which is why taking care of them from as little as $1 a day, makes a lot of sense.

Our Comprehensive Car Insurance covers your car for accidental damage, a collision or crash, severe weather events, fire and even theft, vandalism or malicious acts . And, our cover even extends to your modifications or accessories, like alloy wheels, your sunroof and even your custom sound system.^

Our most popular policy in Perth.

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There are many pluses to living in WA. It’s why our cars are so important to us; and it’s why the pluses in our Comprehensive Car Insurance Plus cover really add up, including:

  • Options to reduce your premium by increasing your excess
  • Cover for anyone who drives your car **
  • Lifetime Guarantee on workmanship of authorised repairs
  • Cover for 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 new 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 only)
  • Towing from the scene of an incident to a repairer or other place we recommend
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Want a little more? We give you options.

Add Hire car

We’ll pay the cost of a hire car, up to $65 a day for up to 14 days, if your car is involved in an incident other than theft.

Add Windscreen

Get your windscreen, sunroof or window glass, repaired or replaced without paying the basic excess.

Protect your No Claim Bonus

The first claim you make in each policy year won’t affect your no claim bonus, even if you’re the driver at fault.

The full details

Product Disclosure Statement and Policy Booklet (PDS)

Premium, Excess, Discounts & Helpline Benefits Guide

Common questions

No. Roadside assistance is not included in our policies.

No, we will cover anyone who drives your car.

We’ll cover under 25 year old drivers in the event of an at-fault claim, even if they’re not listed on the policy. However, it will impact your excess if they (or any driver with less than 2 years driving experience) have an at-fault claim.

No, you don’t need to list a learner driver on your policy.

However, if a learner driver is the registered owner of a vehicle, they must be listed as the insured on the policy. If the learner has an accident, your excess will be calculated on the fully licensed driver accompanying the learner. Once the learner gains a provisional (P) licence, they can be added to your insurance policy. Once a learner driver has their provisional licence, their age must be added to the CTP policy for the vehicle.

You can log onto our Self Service portal and complete yourself or call us on 133 233, and we’ll be happy to help.

Yes! Our brand 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.

All the important details you need to decide:

** 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.
^^Following an incident we insure.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as SGIO. This is general advice only so to see if a product is right for you, always consider your own circumstances and the Product Disclosure Statement available from SGIO.