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 Budget Direct Insurance
Owned By: Insurance Australia Group Limited (IAG) Underwritten By: Insurance Australia Limited

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GET A QUOTE COMPARE POLICY FEATURES

From small but historic beginnings in the Goldfields in 1926, SGIO has emerged as a major player in the Western Australian insurance industry. SGIO has moved from strength to strength since the company was privatised and successfully listed on the Australian Stock Exchange in 1994. In 1998 the Insurance Australia Group (IAG) recognised the potential of the company and moved quickly to acquire it.

SGIO recognises your car keeps you moving so that you can get on with life, so it's important that you have the right car insurance to keep it that way. They're in the business of paying claims and with our 24/7 paperless claims service, you can trust them to come through for you when you need them. They can also help you better understand your car insurance policy to help you make the best decision about your cover options. SGIO only services customer is Western Australia.

Source: SGIO

Note: Quotemywheels.com.au is not affiliated with SGIO in any way

Comprehensive Motor
Owned by:
Insurance Australia Group Limited (IAG)
Underwritten by:
Insurance Australia Limited
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market or Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
No
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
24 months (
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Storage & Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
Yes ($500 each item)
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$50 per day (21 days max)
Rental car after accident:
Optional
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Comprehensive Veteran Motor
Owned by:
Insurance Australia Group Limited (IAG)
Underwritten by:
Insurance Australia Limited
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market or Agreed
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
No NCD but if you have had no claims/accidents in the last 2 years then you will get a discount on your premium
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes - Coroner or magistrate, defending a claim
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
Has Salvage for a write-off (
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
Yes - See Traveller Care
Recovery, towing and storage after accident:
Storage & towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
$500
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Source:
Traveler Care
Comprehensive Motor Plus
Owned by:
Insurance Australia Group Limited (IAG)
Underwritten by:
Insurance Australia Limited
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market or Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
No
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
24 months (
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$250 (taxi)
Recovery, towing and storage after accident:
Storage & Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
Yes ($500 each item)
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$88 per day (unlimited)
Rental car after accident:
$88 per day (unlimited)
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Yes
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property Motor
Owned by:
Insurance Australia Group Limited (IAG)
Underwritten by:
Insurance Australia Limited
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
None (only Comprehensive or 3PF&T)
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Insurance Australia Group Limited (IAG)
Underwritten by:
Insurance Australia Limited
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
No NCD but if you have had no claims/accidents in the last 5 years then you will get a discount on your premium
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Coroner or magistrate ($10000), defending a claim, unin
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
$50 per day (21 days max)
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
<25 & Not Nominated
$1250
Basic Excess
Varies (around $500)
Variable Excess
Yes (only comprehensive)
16-18 years old
$750
Remove Excess
Yes (only comprehensive)
19-20 years old
$650
Years to Rating 1
5 years
21-23 years old
$550
24 years old
$450
Licensed <2 years
$300
No Claims Discount (ncd)
Rating 7
Zero (0%)
Rating 1
65%
Not your Fault (no-fault)
No change
Rating 2
65%
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
Rating 3
55%
NCD Protection
Optional
Rating 4
45%
Rating 5
35%
Rating 6
25%