Car claims

At the accident scene?

1 Need a tow?

Call us now if you need a tow on 133 233

2 Collect details

Get details of the other drivers and any witnesses:
Name, address, phone number and insurance details

3 Take photos

Take photos of the accident:
Damaged vehicles, location, number plates and the other driver's licence

Make a claim

Pay your excess

Web chat


Call us for help

Comprehensive Plus

Veteran, Vintage & Classic

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New lodgement 24/7
Existing claims enquiries, 8:30am–5pm, Mon–Fri

How do car claims work?

Make a claim

If you need an urgent tow call us now on 133 233.

It’ll take about 15 minutes to lodge your claim online, and you can choose a Partner Repairer and book an inspection time. We’ll need to know where and when the incident happened and our web chat team can help with any questions you have.

Choose a Partner Repairer

We'll manage the repairs to your car through our Partner Repairer network and we guarantee the workmanship for the life of the car. Our Partner Repairer will inspect the damage to your car and you can book a time that suits you.

You can also choose a different repairer, but you may need to manage the repair process yourself. We'll discuss this with you.

Excess - do I need to pay one?

An excess is the amount you may need to pay towards a claim. There are different types of excesses and you may need to pay more than one. You can find your excess details on your Certificate of Insurance or you can log in to your account.

If an excess applies, we'll tell you when you lodge your claim. In most cases you will be asked to pay the excess to the repairer when you collect your car. If your car is written off the excess will be deducted from the amount we pay.

Other parties

Let us know who else was involved and we'll do the rest of the work for you.

If someone else caused the damage then you may not have to pay the excess. We’ll need the name and address of the person that we agree is responsible.

Don't worry if you don't have all the details right away, you can add them later online or we will get them for you.

Useful details to collect:

  • Other drivers
    Name, address and phone number, and licence details
  • Other vehicles
    Make, model and rego, and insurance details
  • Contact details of witnesses if there are any

Make a car claim online

Log in to lodge a car claim online and:

  • Tell us what happened
  • Choose a Partner Repairer
  • Book a time to have your car inspected.

Log in Register

Use our app to gather accident details

The SGIC App helps you collect details you'll need at the scene of the accident. Plus you can:

  • Pay your renewal
  • Get a quote
  • View your claims

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Frequently Asked Questions

There's no deadline for when you need to inform us about your claim, but it's a good idea to get in touch as soon as possible.

We have a 24/7 claims line and easy online claims so we’re here when you need us.

You should not drive your car if:

  • It doesn't comply with the state road authority
  • The lights are damaged or any of the body work is protruding or interfering with driving the car
  • The radiator is leaking or there seems to be any engine damage

When the damage to your car has been inspected, we can discuss the cost of repairs with you.

You can then decide if you would like to proceed with the claim.

No, once you've given us their names and contact details we'll deal with other parties on your behalf.

You can tell us their details by logging in to your account and adding them online, or by phoning us on 133 233.