Loyalty Discount

As an SGIO customer, we reward you for you entire relationship with us. With our Loyalty Discount, the more policies you have and the longer you stay with us, the more you get in return.

Select the number of consecutive years you've been with us and the number of eligible policies you have to see how your savings add up. 

How many consecutive years have you been with us?


How many eligible policies do you have with us?

You could save 0%

Your loyalty discount is based on 3-4 policy with us and 3-4 years of relationship.

Eligible Policies

Eligible to count towards and receive a discount 

  • Car and Motorbike: all policies
  • Home*: all policies
  • Caravan (Onsite & Touring)
  • Landlord**: all policies
  • Vintage, Veteran & Classic Car: all policies
  • Retail Business Insurance (Retail Business Insurance policies count towards your Policy Count, but do not receive the Loyalty Discount)

As a reward for being with us for 25 years or more, your Loyalty Discount level will not decrease, even if you reduce your policies down to one.

*A combined Home Buildings and Contents policy counts as 2 policies.

**A combined Landlord Buildings and Contents policy counts as 2 policies.

Common questions

The new Loyalty Discount replaces both of these previous discounts.

The No Claim Bonus is separate from the new Loyalty Discount. If you are eligible for a No Claim Bonus this will also be applied to your policy.

Your Loyalty Discount will be applied to each of your eligible policies on their next renewal date.

Any claims you make will not affect your Loyalty Discount level.

Each named policy holder has an individual Loyalty Discount. We identify which owner has been with us the longest and has the most policies, then apply the highest Loyalty Discount to the joint policy. The Loyalty Discount is recalculated at each renewal.

To receive a Loyalty Discount your eligible policies must be in the same name. For example, John has 4 policies: a home policy and boat policy in his name (John Smith), and 2 car policies in his business name (John’s Plumbing). He gets a Loyalty Discount based on 2 policies (home and boat) and John’s Plumbing will get a separate Loyalty Discount based on the 2 car policies.