SGIC Car Insurance

New Caravan Insurance from existing policy – I have had insurance for my caravans for fifteen years and I’m in the process of purchasing a new van. On selling my existing van and ringing up to cancel my existing policy I was informed that if I reinsured the new van within two months I would not loose any of my No Claim Bonus which is 65% and 10% Loyalty Discount. Having my new Van arriving… Read more ·  3

I rang up firstly speaking to some one in the Phillipines. On ringing again I then spoke to someone in Perth who informed me that since NRMA has now taken over SGIC they no longer offer the No Claim Bonus, a complete turn around from what I was told previously. Having never had a Claim on my policies I feel I have been given a rough deal and being unable to contact anyone from SGIC in Adelaide to get an explanation. I would appreciate a call from SGIC JOHN

Being forced to move providers – Being forced to move to an interstate company who do not offer the same level of cover.. nor do they offer discount for loyal customers...... Show details

Good and fast resolution of claim – I could not lodge my first claim online as the website was down so I rang them. The person who assisted me was helpful and polite. He booked me for same day assessment at a repair shop close to my residence. However when I arrived at my appointment there wasn't any booking made for me. I had to ring SGIC again and was able to have the car assessed. Repair was booked and I got the car back on time. Show details ·  1

Excellent service from start to finish – Whether online or over the phone, I found the service to be excellent. Everyone was friendly, informative & efficient. Everyone did what they said they would do. So easy. Luv it! Show details ·  2

Good resolution of claim – I damaged my car in an accident. I lodged a claim online, and called the next day to follow up. I was told to get a quote for the repair which I arranged, and the quote was approved within 24 hours. Now I have my car booked in for service. Could not have been easier. Show details ·  1

Poor Repair -- issues after twice with repairer – Poor customer service/claim. Repairs were poorly done and when I tried cancelling customer service guy did not back date. Any issues with claims/service please raise complains with AFCA, without their help SGIC/NRMA will never assist wisely. Complain with AFCA to resolve issues. It is a free service provided by Government: https://www.afca.org.au/about-afca/contact-us Show details

What $ amount is MARKET VALUE – Reived my car Ins as it is up for renewal, noticed it is Ins for market value, thought I would see what agreed value would be and compare the 2. When I asked SGIC what $ market value is for my vehicle I was told that she could not give me a $ amount, that an assessor would value the vehicle on the day of the claim, I then asked what if the… Read more

vehicle was stolen and not found what would be the $ amount? She transferred me to an assessor, I got the same answer, I tried on the chat line to clarify this, told to look in my policy, NOTHING there. Then sent email from my A/C, and received email back giving me some clarification, Finally, SGIC/NRMA WHY MAKE IT SO HARD? You want us pay Ins premiums with out telling what $ amount we are Ins for.

wont pay up for free windscreen – made a claim for windscreen replacment while on holiday in top end australia.could not help as there were no installers there to replace the broken windscreen.They forwarded me to obrien and they didnt help,Drove 2500km home and had it replaced. invoice was sent to sgic and they havent settled it.Claim was made on 13 august 2022 now its 17… Read more

november.3 months the windscreen reperir has waited for his money.As anyone would know impossible to get through on web chat or phone to them.DONT USE SGIC insurance its a scam and they dont pay up and you cant contact them

Bad and doggy car insurer – First time ever insuring a car with sgic and my car was damaged by hail. When it happend hundreds of other cars were damaged.It’s been over a year and still they didn’t fix my car, they telling me it’s fraud they did investigation nothing came out they took it for repair cost when it was high they said no more investigation, they trying to make it… Read more

fraud so they don’t have to pay for it, I’ve been paying $260 a month. Don’t recommend it don’t go with them.

Wish i could give zero – After being with SGIC for a decade or more and never making a single claim, i decided to look around for some cheaper insurance, which i found at Apia. I had been paying my insurance monthly for my car and home/contents, as i do with all my insurances. Now, by changing, i would save $25/mth. When i cancelled i was very surprised to be charged 51… Read more

cents, which automatically came out of my account. I had expected a small refund, as when i cancelled my two other cars at Allianz i received about $50 refund. If i pay insurance at the beginning of the month and i cancel in the middle of the month, as i did for my home/contents, then it's logical to get a refund, just like Allianz. Next year i know i won't be asking for a quote from SGIC, NRMA or whoever they are. I'll certainly try Allianz again at they have been good in the past. PS: in a phone conversation i was told i would get $9 back. I know it's not worth complaining over such a small amount but some companies will get out of paying anything they can.

Terrible, frustrating – I was responsible for a car park accident, I am with RAA, Other party with SGIC, they made a frustrating process, incident in Feb, send mail end of March to ask for my insurance number,with only 1 day to reply, I sent them, later in Aug, they send me a bill a big fat bill of asking me to pay???? and then after complaining with them, they found my email on the system and apologies, just don't know when will this end???? Show details

Rubbish – If I could give them 0 stars, I would! I’ve made 5 separate calls regarding a claim and each time being put on hold by an operator for an hour and a half, I receive a pre-recorded message to say that they are experiencing technical difficulties and can’t take a message! Absolute rubbish! Show details

Avoid SGIC if you ever want to get your claim fulfilled – While they got on with organising the repair of my car, when it came to getting the cost of the hire car reimbursed, which was part of the insurance I pay for, I spent 3 hours on the phone trying to get it done. When it comes to paying you money, they will not take your calls. Truly dreadful service. Avoid at all cost! Show details

No Cash back received – They promised $100 cash back if the car has SGIC insurance for registration in South Australia. Cash back has never been received. I lodge claims from time to time; my requests are being ingnored. Show details

Worse customer services – Choosing Sgic as my insurance company has been the biggest regret of my life. They have the worse customer service who keep you on hold for 30-45 minutes to o transfer you to the wrong department and same story again. They charged me for the policy I cancelled and after 1 hr they still couldn’t find the right department to reverse the money. My… Read more

time not valued to them as they have call centre outside Australia with people who barely can speak English. NOT RECOMMENDED.

Disgusting Service – Hail damaged car claim. 6 weeks to be assessed and given 3 days notice for surrender of vehicle. No buy back option offered. Asked for an extension of at least a week to surrender vehicle (still drivable just cosmetic damage) but denied. I have to hand my car in or lose claim option. No way of getting to work after this. Submitted complaint but no response. I have 6 x policies with SGIC which are all being moved to other insurance providers. Show details

Don't recommend – After 2 not at fault claims now with Sgic I'm highly disappointed. First someone rear ended me a day after I got my brand new car I have full contact deatils her licence police report everything. Still they won't fix and that was in March it's now November. 2nd someone crashed I to my side completely her fault full deayyils have a claim number… Read more

with her insurance company, they said would supply a hire car and when I was putting through claim they then advise I have to pay for hire car. When I said we'll the other company will pay for it their responses was then you are better can cling this claim. And going through their insurance company then.

What is point of having fully comprehensive insurance if you don't get things fixed or have to deal with very thing your self.

I now have no car as its still at assessors and when we have to review and this is all over I will definitely never use Sgic again.

Disgusting Service – I have been with SGIC for over 15 years and IAG group for over 25 years. They kept wanting to cancel my car insurance policy as monthly payments had not been made on time. However the issue was with there BPay system unable to process the payments if they fell on a weekend. So in there eyes even though their is money in the account for them to… Read more

take the payment was not made. So to stop this from occurring again I had to pay all the remainder of the premium on credit card. Not great when you are trying to budget. I rang numerous times and and sent numerous emails and all I got was a letter telling me that they are going to cancel my insurance. What a pathetic response to get for being a loyal customer and always paying premiums on time. I think it's time to find another insurer.

Absolute sham ripoff merchants – Claim lodged in November 2020 (now June 2021) for 4 damaged wheels by tyre company, so not at fault, although I have been in constant contact chasing them, they refuse to process the claim or return calls and emails, happy to take your premium but not fulfill their end of the contract, I rang them over a week ago during business hours and was… Read more

transferred to overseas call centre, stringing lines of crap as to why it hadn’t been sorted. Cancelling my policy now, as they are rogues and never want to deal with them again. I made it clear they had 5 business days to rectify or I would be seeking restitution through the regulator, they couldn’t care less as I have not heard from them. Shameful disgusting business ethics.

They'll take your premium efficiently but just make sure you never have to deal with them again! – Firstly, apart from the initial SA-based sales team if you ever have to make a claim you will be dealing with an overseas call centre. The 'SA-based' SGIC brand is the thinnest of facades and the current owners of the brand are trashing what was once a respected name. The reports of terrible experiences found elsewhere here are consistent with… Read more

our disastrous experience. Their systems are hopelessly dysfunctional and, as mentioned by others, seems to be based on forcing unfortunate OS call centre staff to wear people down through sheer frustration so that customers give up when repeatedly no level of competent service or alternative to escape their spiral of ineffective non-action is provided. From our experience: You will never deal with the same person twice; you will have to explain the same thing over and over, in our case more than a dozen times; you will deal with unfortunate OS call centre staff who are thrown to the wolves with inadequate resources or power to resolve things (the company should be ashamed of the way these staff are used to avoid Australian senior staff having any contact with super-frustrated customers) ; you will not get replies to emails; you will wait to talk to people who have are not equipped to understand the case even though it has been written, drawn and explained a dozen times; if you demand to be sent something in writing it may be a text with a completely irrelevant link; you will be given contradictory advice that the staff cannot provide any backup explanation for - even after being put on hold for 10 minutes; you will not find an obvious way to talk to anyone with any capacity to get you off their exhausting call centre treadmill - Australian-based staff seem protected by the system at all costs so their call centre staff must face the music; you may get told that your claim is finally resolved after 4 months and told to take your car to an SGIC approved crash repairer and spend the time to do so; you may then be told the opposite based on a so-called new review finding that there was a breach of traffic light road rules - in an incident on an isolated country road with no traffic lights for miles around; you may then be told to provide the basic details of the incident again - approaching 5 months after the original claim; this reviewer may then send you a non-sensical letter that argues the original ‘not at fault’ decision no longer stands but does not even mention the fact a irrelevant traffic light rule was cited as the reason for the reversal of your country road incident decision; the letter may say that you have a week to contact the reviewer directly if there are any issues but where the phone number is meant to be is only xxx’s; so you may call the other overseas call centre number which answers as ‘welcome to RACV’ even though you are insured by SGIC; so you may then resort to email and the only reply you get before their deadline is an autoreply saying “thanks for your recent claim”; you may never feel so disappointed in an Australian company; you will feel very sad for the few remaining staff left in the original SGIC Adelaide office who must read these reports of what happens when the SA customers they sign up ever need to make a claim....

Very poor company to deal with – This company seems unable to do anything properly. I insured my car with them last year but they lost my address and refused to answer any of my inquiries. Finally they must of found my contact details because they sent a very rude letter. All further written correspondence has been ignored except one reply where they wanted to sell me another… Read more

policy. Phone contact is impossible . My time is valuable and I will not wait over 45 minutes to have a call answered.

Do not use SGIC - overseas call centre and impossible to sort out claim – Had small accident - car was repaired but had to pay excess even though gave witness and was not at fault as other driver who hit us was parked illegally. We gave his details also, including his insurance. Overseas call centre - did not record initial information correctly, could not understand us. Could not understand rego number, did not… Read more

write down other parties insurance company, clearly got too hard. Phone line dropping in and out. Person was unable to understand loading zone and Australian laws regarding that.

They sent paperwork to complete - which we returned immediately via email I had it confirmed they received it. Yes they had the email reply and information.

Then get SMS asking when i was going to send it two week later??

Rang them to find out why. They don't know. Confirmed again they had the information and then while waiting to discuss further they hung up on me.

More SMS messages coming through - just impossible to resolve anything. like dealing with Telstra

It is IMPOSSIBLE to get this company to work on your behalf. It is IMPOSSIBLE to manage a claim with them as their overseas call centre is just reading scripts and when it gets too hard they hang up. It is IMPOSSIBLE to get them to take down the incident details correctly as they can't understand what is being said.

We have cancelled all policies and moved to local Insurance companies.

I warn anyone to avoid SGIC. They cannot handle a claim properly, (our first claim for 10 years), they do not value your custom and even though we are in the right and provided all the information, including photographic evidence, they forced us to pay the excess which i do not believe they will refund. Its double dipping for insurance.

SGIC overseas call centre mucks you around so much and sends messages that are not relevant to you requesting info they have in a bid, I believe, to make you just give up through sheer frustration.

Disgraceful customer service and geared to ensure if you have a claim it is not easy to sort out. So you end up paying excess, which they say they might refund but from reviews that never happens. . OVERSEAS CALL CENTRES make this the worst company to deal with when you are at your most vunerable. BE VERY AWARE. Fine if you don't actually claim!

I feel we have been scammed dealing with them. Insurance is worth nothing if you can't claim once every 10 years. We had 7 policies with them.

Poor Value – At one point we had five policies with SGIC. As others have mentioned the prices just kept increasing by 4-5 times CPI each year. One of our vehicles hit a kangaroo and was 18 months in repair. I purchased another car it took so long and didn't renew with them. My partner was still under a SGIC policy for her car and that was involved in an… Read more

accident (not at fault) in October 2020. Nearly four months later work hasn't started on the vehicle. Loan car? We were told that we can hire a car and SGIC will assess whether they will reimburse us down the track. Nice work, we live in a rural location and now have one car between two people. On the weekend the household and pets had to evacuate due to a bushfire, this would have been easier if we had two cars!

Agonising and frustrated discussions to get things sorted – My car fixup took more than 15 weeks with numerous painstaking discussion which were some times hour long with beatiful music. Though having the hire car option i was refused to have it due to bungles of highest standard commmunications. No SGIC consultant came back as they promised that i will be informed of all the happenings!!, that means i… Read more

contacted all the time to check what is happening wiht my car!! Finally the car came after the holiday period, without interior cleaning - which is a brach of Health regulation with a broken item whcih wasnt replaced !! there wasnt any indication of repair and quality assurance documentation for comparison.

Lack of communication and made to feel like i have done something wrong – It has been 6 weeks and only now they are asking for me to provide SA police report which takes 14 working days without COV19 delays. A 9weeks stuff around.  Show details

Don't do it! – The worst company EVER, even after decades of business with me for house and car. Their strategy is clearly to not respond, even though they say they will. They don't even respond to complaints, although they acknowledge they have received them. They say you get what you pay for, well that's not always true, unless there is a value on extreme… Read more

frustration. Today I am cancelling my policies and going with RAA, more expensive, but sanity has a value it seems, I wish I had known that a long time ago.

Very Poor and disappointing – Well, to start off. SGIC offers a $100 off your policy when you sign up with them online. That looks good till renewal comes in 12 months later. Anyhow thing were OK with SGIC until this. A not so nice lady (if I could call her that) in the capark of a small shopping center parked within 2 inches of my car (driver side) with hands on my hips, I… Read more

shook my head. Eventually she came out of the shops. I said where did you get your license from? She ranted and raved. I guiged her backwards but she decided to turn her steering wheel to the left, her wheel hit and dented my car. I took several photos of the incident so I got her rego and make of car. She took off and I didn't get her info. I reported this to my local police station, they weren't bothered about her manner. 3 days later I get a phone call from the police wanting me to make another police report, they were going to hand it to traffic police. Now this is where the fun begins. I put a claim in to SGIC, that went OK, a couple of weeks later SGIC want me to take photos of the damage and email the photos to a particular crash repairs. I said no I want a physical assessment from a human. They okayed it. I did that as I was talking to the repairer I saw fee of $800, the lad said that's your excess. I told him what actually happened and showed him the photos. He said, THAT NOT YOUR FAULT. go back to SGIC and tell them. So I did. I said to SGIC I have photos I can send you, the SGIC person said we don't want the photos. I was on the phone for 30 minutes or more doing a new claim. I hadn't heard from SGIC for 8 weeks, I emailed them want to know what is happening with my claim, two weeks later they got back to me via email stating they are working on my claim. I reply I have photos, do you want them? A week later... No... 6 weeks later I get more instructions that to do. Now, I had to go to the police station and pay $75 to release the police report to SGIC. I'm now getting very upset so I stated none of this is my fault and I sent SGIC my photos. I threw my hands in the air, I give up what do I have to do to get some decent service from SGIC. WEEKS later they rang me for further instructions on the police report.. I said I have had enough of your rubbish, forget the claim. SGIC emailed me with confirmation to stop the claim, but stated that the car must be fixed by renewal time... WELL SGIC YOU HAVE LOST ME AS A CUSTOMER AND MY STORY HAS BEEN HEARD..

Absolutely pathetic – Been with SGIC for many years ,had a few hiccups over the years easily resolved by the Adelaide office when their call centres couldn't ,wouldn't help .Had to switch my home/contents about a year ago due to problems of different details on the actual policy document compared to what was actually agreed to verbally .Wasn't even a claim issue .Was… Read more

told that someone would contact me to resolve issues but never ever happened . Stuck with them for my comprehensive car insurance ,however the straw that broke the camels back was when a similar issue occurred again .Not even a claim ever ,but they couldn't even get the agreed excess amount that was stated verbally correct on policy document .Tried to get this amended for nearly a year ,again was promised again that someone would call to resolve this issue .Still no call from anyone and the office in Adelaide itself ,that used to be so very helpful has over the years has deteriorated woefully . Left with absolutely no choice to now also switch car insurance as well .So people at SGIC i think you know what you can do with your URGENT OVERDUE NOTICE for my car insurance as i have gone else where after many years .Seems to me that SGIC simply does not regard their long time policy holders as being important to their business model

Very poor customer service – Cancelled my 4 policies after 11 years of service due to very rude consultation in Adelaide and their vintage department. I was seeking to increase my agreed value on a very rare vehicle only to be told by (Michael) in their vintage section that car wasn't worth vary much and that it was only my opinion that the car was valuable, even though the… Read more

last one sold in Queensland for 3 times the so called market value. So basically he was saying that we couldn't care less about our customers only policy and procedure, it's amazing that he's even employed there. Shop around, disgusting treatment!