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The SGIC Home Insurance Premium, Excess, Discounts & Benefits Guide should be read with the SGIC Home Insurance Product Disclosure Statement and Policy Booklet (PDS) Edition 3 dated 9 January 2012.
Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out and renewing from 9 January 2012.
Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out from 20 March 2011 and for policies renewing from 2 May 2011.
We provide two levels of cover in the PDS:
- Home - provides our standard level of cover
- Home Plus - provides a higher level of cover
For the complete list of guides, please find them at the bottom of this page or go to the Premium, Excess, Discounts & Benefits guide section 
An excess is an amount you pay when you lodge a claim. You may have to pay more than one type of excess depending on your circumstances.
There are four types of excess:
- basic
- earthquake
- accidental damage
- special
The amount and types of excess payable are shown on your current Certificate of Insurance.
You do not have to pay an excess if you make:
- a liability claim,
- a claim for food spoilage (see Section 5 of your SGIC Home Insurance PDS), or
- a claim for an incident that we agree someone else is responsible for and:
- you can provide the name and address of that person and,
- the amount of the claim is more than the basic excess.
Basic excess
If you make a claim for a listed event you must pay any basic excess that applies.
You can choose one of the following amounts as your basic excess: $100, $200, $300, $500, $750, $1000.
Or if you’re 50 years or older you can choose a nil excess in place of $100 excess.
If you choose a higher basic excess on your policy, you can decrease your premium.
Earthquake excess
If under Buildings Insurance you make a claim for loss or damage as a result of the listed event of earthquake, you must pay the earthquake excess of $500, or the basic excess, whichever is higher.
Accidental Damage excess
If you have Accidental Damage cover and make an accidental damage claim, you must pay a $300 accidental damage excess instead of your basic excess.
Special excess
We may apply a special excess for one of the listed events. A special excess is payable in addition to your basic excess. Any special excess applicable to your policy will be shown on your current Certificate of Insurance.
If there is anything you don't understand about this SGIC Home Insurance Premium, Excess, Discounts & Benefits Guide, please call us on 133 233 or visit your local office.
Print or download this guide
SGIC Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out and renewing from 9 January 2012.
SGIC Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out from 20 March 2011 and for policies renewing from 2 May 2011.
SGIC Home Insurance Premium, Excess, Discounts & Benefits Guide (PDF) - Policies commencing 16/08/2010 to 19/03/2011
