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SGIC Home Insurance

SGIC Home Insurance

2.0 from 33 reviews

Excellent and Fast Service

Did a lot of shopping for Home Insurance. I was already with SGIC for auto insurance and recently purchased a new car. The changeover was super easy and it was actually a reduction in cost. He offered home insurance. i didn't take it on the spot. I wanted to do my research. I found the price to be very good compared to others, and although I haven't had to make a claim, the service is fantastic. Just took care of a mistake I made online and the guy on SGIC webchat came up straight away, without having to wait at all, and fixed my error in no time. Happy so far!

Customer Service
Coverage TypeHome & Contents
Property TypeHouse
Claim MadeNo
1 comment
Hi SJW, Thanks for the positive review! Glad to hear you found our premiums competitive and I hope we continue to provide great service. ~Natalie

Terrible to not insure with SGIC!

We have been with SGIC for 29 years but as soon as we settle a car insurance claim we will be moving all 6 of our insurances. A car reversed into my car at a petrol station so not my fault and from the very beginning we have received wrong information, wrong directives, unhelpful assistants ,been told the money would be in our account then its not and delays after delays. Very dissatisfied and quite stressful. Overseas call centres that have a script and do not deter from that. Would not recommend to anyone!!!

Claim MadeYes
1 comment
Hi A Pappas, thanks for the review & thanks for bringing this to our attention. Claim times are difficult and we do understand that. It's disappointing to hear that we've let you down and or communication hasn't been the best. We appreciate your 29 years of loyalty and would be sad to see you go. If you'd like us to escalate it for you - can you please PM us your claim details through Facebook and let us know you're from Product Review. https://www.facebook.com/sgicinsurance/. ~Natalie

Mixed experience after a break in

I'll start with the good! House got broken into on the Thursday, house made safe with great repairs on the Friday.
The items that were stolen were all replaced. It took 5 weeks and about 10 phone calls from me but the 2 items were replaced properly, so I was happy with that.
However the broken back screen door replacement has been horrible. I've had them out twice but they keep blaming a twisted frame, or the weather. The previous screen door worked perfectly for 5 years. It was a bad 'new' door, the door doesn't fit, and the actual locking mechanism is dodgy! The top lock is loose, and I got locked out last night when i went outside and the lock slipped shut. Also I never got a insect strip on the bottom of the door. It's supposed to be like for like. I will be replacing the dodgy door out of my own pocket.
I think SGIC are hiring cheap dodgy tradies. I will not be renewing with SGIC, and I'll move my car insurance too.

Value for Money
Transparency
Customer Service
Coverage TypeHome & Contents
Property TypeHouse
Claim MadeYes
Type of ClaimTheft and Vandalism/Malicious Damage
Claim Resolution Time3+ months
Claim ApprovedYes
Claim DateJanuary 2019
1 comment
Hi Donna, sorry to hear about your home break-in. I appreciate how frustrating these repairs have been for you. If you would like to escalate your complaint further and have someone contact you please PM us using Facebook Messenger with this link https://www.facebook.com/sgicinsurance/. Let us know you have come from Product Manager and provide your policy/claim number, DOB, address and contact details and we will have someone contact you to try and help. ~ Jono

Taken for granted

Joined them 5 or 6 years ago as i wanted to support local, no claims and no issues. 6 weeks ago i contacted them (as i sold the property they were insuring and bought another ) to simply change the insurance from 1 property to another and thats when all the trouble started. When i contacted them they seemed helpful and thanked me for being a loyal customer and for having additional policies etc. When the monthly amount fell due they failed to deduct the amount from my bank account (same account as before) and then sent me an email TELLING ME that i failed to pay my account so being worried my home and contents weren't covered i quickly rang to sort it all out .... and i was told that they would deduct the amount in the next 24-48 hours. The time passed and they didn't deduct the money, they then sent me an email telling me they were now canceling my 2 policys. At this point after all these years being a loyal customer i decided to go elsewhere as i thought if they cant even take the money out of my account whats it going to be like dealing with them if i ever have to make a claim!! So bye bye sgic and ill now be looking to change my car insurance to another company as well. I sent them correspondence under there complaints section, i received an immediate email telling me they would contact me ASAP...... im still waiting... haha

Value for Money
Transparency
Customer Service
Coverage TypeHome & Contents
Property TypeHouse
Claim MadeNo
1 comment
Hi Mario, I am sad to hear after so many years you have decided to change companies. If you would like me to look into the direct debit issues please please PM us with your policy/claim details to our Facebook page via messenger: https://www.facebook.com/sgicinsurance/. Just let us know you're from Product Review and include your name, DOB, address and contact details. ~ Jono

They are happy to accept your yearly payments but will avoid paying out when the time comes

I have several policies with SGIC and we have had two rental issues where a hot water pipe broke under ground damaging the Linen press cabinet with steam damaging the cabinet etc. When they came to fix it they fixed the Cabinet and need to cut the cornise away to get the cabinet in. You would think they would fix it, well the carpenter turned around and blamed the damage of the cornise on the tile roof. i complained yet nothings been done to fix it 5 years on.

Value for Money
Coverage TypeHome Only
Property TypeHouse
Claim MadeYes
Type of ClaimEscape of Liquid
Claim Resolution Time3+ months
1 comment
Jason, 5 years is quite a long time to let us know you were unhappy with your claim back then. You were well within your rights to lodge a complaint if you were not happy with the decision and you should have received an outcome to your complaint. Please send is a PM via our Facebook page if we can check into this for you. ~Kaz

Terrible

Would not recommend SGIC to anyone. Have been with them for years. Very difficult to communicate with. Have changed our insurance to an Australian Company not a company based in SOUTH AFRICA. Staff were rude and had no idea what the were talking about. Don't insure with them. Doesn't even deserve 1 star

Value for Money
Customer Service
Coverage TypeHome & Contents
Property TypeHouse
Claim MadeYes
Claim ApprovedYes
Claim DateSeptember 2018
1 comment
Hi Heather, we are based in Australia but do use some off shore call centres. Sorry to hear that you have not had the same experience that you should have. All staff have the same training so the experience is aligned. Thanks for taking the time to review our product ~Renae

Tried to get out of paying.

Been with SGIC for 16 years. Never missed a payment or was late paying. Always thought they would do the right thing, especially with long standing, loyal customers. When it came time to pay for the damages, they wriggled and twisted and ended up paying a fraction of the losses. Very disappointing when they were quick to take the premiums but reluctant to give the required services. And had a few rude people on the phone.

Insurance claim madeYes
1 comment
Hi Pete, thank you so much for taking the time to review and give your honest feedback. We are sorry that you have been left feeling like this after your claim. A claim should be pain-free and cover you for your entitlements. If you would like the Social Team to follow up on this matter for you, please feel free to PM us your details. Regards ~Renae

Not worth the paper it is written on

After over 40 years of insurance I have never encountered anything like this foreign company. Not sure if deliberately obtuse or simply give the run around so that you give up. Congrats I gave up and I'm not easily dissuaded but life's too short and it was a small claim so I cancelled. Imagine if it was a significant claim you wouldn't stand a chance. Look elsewhere preferably Australian owned. Also, I believe their assessors are rorting the system.

Insurance claim madeYes
1 comment
Hi Anna, thanks for sharing your thoughts. We are an Australian company and we are sorry to hear you feel the service you received was not up to your expectations. Our global partners receive the same onboarding as all our staff and are trained in our work methods and accredited to handle customers. If we can help you escalate your concerns to the claims manager please PM this page or our Facebook page and we would be happy to help. ~Kaz

Long term Customer of 20+ yrs but feeling disappointed

I have been a long term customer for 20+ years, with only one claim made, so what is more important than value for money was their customer service and ability to accommodate my needs, my policy was easy to set up and over the years i have updated it with no problems, but unfortunately recently when i contacted SGIC to place a claim i did not receive the customer service i had previously had, i found i was having to call to see how my claim was progressing the service consultant was very hard to understand and seemed not to really understand the problem when the assessor attended my property a carpenter was sent not an electrician very frustrating! and to top it off i'm still in limbo. Currently looking for a new provider.

Insurance claim madeYes

Lodging and progressing a claim via their Offshore Call centre is Not Good

Whilst the actual Home Policy is reasonably good value and dealing with the Australian based staff and their Assessors is good, getting you claim underway and progressing it with any further information or any ongoing questions is really difficult.
This was also witnessed first hand when visiting the SGIC 'Shopfront' in Adelaide South Australia recently. Their own staff were re-routed to South Africa and put on hold for ages whilst trying to provide me with face to face customer service. They too appeared really frustrated.
Whatever happened to good local customer service?

Insurance claim madeYes

do not use this company

rude dismissive and unhelpful staff obviously trained to make claiming extremely difficult.
do not use this company as they will prove to be unreliable and difficult to deal with .I have been a customer for 14 years and will be taking my business elsewhere

Insurance claim madeYes

Shocking customer service

Tried to change policy & address online and requested a call back - automated response and sent another certificate with no changes. Call centre doesn't answer after holding for 20mins. Cannot cancel policy online in self-help. Call centre using "cheap labour" in Umhlanga, Durban, who quote according to a set of tables!! Utterly useless!! I cannot imagine what making a claim must be like??

Insurance claim madeNo

Claim for a stolen bicycle knocked backed

I've been a customer for 22 years with 7 policies I've just had my bike stolen and have been told that my claim is not valid so i will be taking my business elsewhere very upset ex customer lift your game sgic.

Insurance claim madeNo

Poor Claim Experience- Property left unsafe

Everything goes well until you need to make a claim, advised property would be made safe as soon as possible, no action for 24 hrs, complete lack of communication. Staff unfriendly.

Insurance claim madeYes

Bad communication

I made a claim 8 days ago and despite being promised a call to clarify what will be covered I have not received any contact. I have called again and promised someone would contact me. This has not happened. We are still unsure if they are going to repair the damages from a fallen tree.

Insurance claim madeYes

Poor service

Burst water pipe in the kitchen an shorted out electricity. Rang SGIC. I was told they were to busy to talk to me and so took my details and was told they would ring back shortly. RIGHT! All I can hear are crickets chirping.. No call back! HOW SLACK. Will be looking elsewhere for renewing our insurance. Multiple policies. Next question " Did you make a claim?" Bit hard when I can't talk to anyone as SGIC!

Insurance claim madeNo

Wonderful I just Love it

Every year it goes up, but stop & read what I did. I have the car, house, contents. With all 3 I get a discount, every year they go up, but take the time to go through it over the phone with them, & discuss your concerns & everytime I have done so, they drop or discount the price of the renewal... You must be clear & write down everything first before you phone them, they are great to deal with. Good value yes. Set up was easy. Support is wonderful. A few years ago I lost a ring, they were wonderful, because I had the extra insurance I have an extra $1500 for personal items lost or stolen & they paid me to replace the ring of $1500 as agreed in the policy, & the following year it did not go up due to my claim. Thanks lexie..Xxx

Insurance claim madeNo

Poor Customer Service

Disappointed in SGIC in that I found a cheaper policy elsewhere and that SGIC wouldn’t price match. When cancelling my policy after 4yrs, the lady was extremely rude. Got to the stage where I’m reviewing partners SGIC policy and will make the switch. I cancelled my car policy recently also due to cheaper elsewhere but the SGIC male staff member was nice and understanding about it.

Insurance claim madeNo

Very good to deal with

A little surprised by all the bad reviews here. I have now had two claims through SGIC (one home, water damage - the other contents, theft) and both have been handled really well & fast.
Lodged my claim for theft on Monday online, had a claims assessor on the phone the next day, and issued with a replacement voucher the following day. Could not have expected any more.

Insurance claim madeYes

just adding to the list of 'terrible experiences'

HAVE 7 POLICIES WITH SGIC BUT NONE CONSIDERED AT THE TIME OF CLAIM. Its shame how much grief have they given us over our home insurance. its been two months and matter is still pending to be resolved.

Insurance claim madeYes

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Questions & Answers

After reading reviews , disappointing
1 answer
Hi Eaglejo, we acknowledge we don't always get things right first go and immediately but we are always trying to improve and right any wrongs we can. Unfortunately on review websites like this you are more likely to hear the negative stories rather then the positive. Have you been a customer with us before? ~ Jono

Do you get a concession in your insurance cover if you have a pension card.
1 answer
Hi Dianna F, there is no discount for pension cards, but the premium would be set based on the risk factors of the policy ie. age, surbub etc - feel free to give us a call on 133 233 and we can look into your premium for you ~Renae

What is the minimum amount for insuring home contents
1 answer
Hi Ursula C, we would need to do a quotation using your individual information regarding who resides at the property and the size of the property etc. You can give us a call on 133 233 or quote online using this link https://www.insuranceonline.nrma.com.au/oss/GTConnect/UnifiedAcceptor/Portal.Quote/RW1466560601424?product=Home_Contents&brandId=sgic. Please let us know if there is anything else we can assist with ~Renae

Details

SGIC Home Insurance
CategoryHome and Contents Insurance
Contact Number 133 233
24-Hour Phone Contact Yes
Online Live Chat Yes
Other Insurance Types Offered Business, Car, Home and Contents, Motorcycle and Travel

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