SGI Auto Insurance Reviews

RE SGI is evil,
My advice to you is get on your computer and start finding comparable sales for your vehicle. I would also tell SGI you want to save your vehicle and you are not accepting their lame offer to write off your vehicle. (Oh sure you can buy it back and go thru inspections to re insure your vehicle but keep in mind this action could be a potential nightmare). Inform SGI you want to go to arbitration then hire an arbitrator! You will have to fill out a form in regards to what you think your vehicle is worth, your arbitrator should help you with this. Google vehicle appraisers or look in the yellow pages under auto appraisers/arbitrators. I went down this road last fall it was the best $250.00 I have ever spent. After winning my case my SGI adjuster calls me and acts like my best friend telling me how great it is that my vehicle is being fixed etc. Please! Hire an arbitrator!

According to the SGI and police, if a police does not clock the speeds of the vehicles in a crash, you have no ability to state the other party was speeding. So, in short, there's no difference between a 1 km/h crash and a 1000 km/h UNLESS there is a cop to clock the speeds. Remember that next time, that in the off chance a police officer pulls you over for "speeding" and he didn't clock you, that he can't legally issue you a ticket.

Furthermore, they compare your vehicle to ambiguous Kijiji adds comparable to your vehicle. The vehicle ads will not display their VIN (SGI won't even obtain the VIN's for every vehicle listed on their comparison list while they call you crazy for requesting a simple verification of those ads) on the comparison sheet for your write-off, nor do they show pictures of said vehicles. This provides a open spot for people to scam SGI and falsely make ads on Kijiji of their exact vehicle model, post them on Kijiji for outrageous sums of money and then receive a lump sum BASED solely on the invalid ads SGI checks. Very professional and well done.

Overall, I'm receiving less money for my vehicle than what I put into insurance for a vehicle that was rated all good on all sections of the SGI inspection. This does not make sense as someone who pays 1000$ for a 30,000$ vehicle will receive 80% of 30,000$ for merely 1000$ per year of insurance. Sure, this is good for rich people, but SGI is essentially a social construct meant to be GREAT insurance for LOW price. However, thanks to right wing, it's not that way anymore, and they don't operate at cost and work in gold plated sky scrapers.

Would recommend public transportation or cycling. You're better off disturbing with a pair of in-lines or bicycles than dealing with no-fault insurance OR mindless babble about how all the hard evidence you have is invalid because they say so.

Absolutely appalling. Deny claims for no reason, even when supported by written witnesses and legal declarations and statements from their brokers, with no appeals or recourse. Cheap rates, but you get what you pay for. They are fine as long as they are getting your money, but if you need service, get a lawyer. Worst insurance company on the planet.

SGI never even look at my truck when I was hit from the back and the accident was not my fault they just denied the claim I am now out of work and living the salvation army homeless shelter

SGI insurance is the worst insurance on the planet. They won’t pay out for any type of injury even when you have full coverage. They have a hard time even when paying for the damage done to your car. You have to fight with them when you are in an accident that is the other driver's fault. Take my advice and don’t get any type of insurance with SGI. Get a real insurance policy from a real insurance company

My ex-wife and I jointly owned a 2003 Ford F250 4x4 diesel with about 167,000km that got stolen from outside the mechanic's shop at the end of July 2017. It was recovered August 2. The damage consisted of a punched-in key hole on the passenger side door, and the cover/lock on the ignition had been removed.

We were a bit surprised when SGI almost immediately told us it was being written off. We figured the truck was worth at least $12,000, maybe up to $15,000 with the recent engine rebuild. Our SGI adjuster, Chelsea Leonew, gave us an initial offer of $6355 on August 10. We told her that was unacceptable and it was worth twice that amount. We submitted the recent bill for an engine rebuild (about $5800), but that only increased SGI's offer to $7660. We submitted ads for similar trucks from Kijiji for SK, AB, and MB, but SGI didn't budge. We hired an independent appraiser and went to arbitration. That cost us about $350, but we ended up settling for $11,500, which we thought was fair.

Why did we have to spend $350 and a month in negotiation to arrive at a fair settlement? I had used the VMR Canada online calculator early in the process to see if we were off-base in thinking it was worth at least $12,000. The VMR Canada result confirmed we were being reasonable. However, I noticed that if you failed to check off the "HD Diesel V8" box, the value was pretty close to what SGI initially offered. I've got a gut feeling that someone at SGI made a keying error on the initial valuation. I've got no issue with someone making a mistake. It happens all the time. However, I've got plenty of issue with someone failing to recognize a mistake or trying to cover it up. We ended up with a final settlement that was 81% higher than the initial offer. Something was definitely wrong with the initial offers from SGI, beyond the expected low-ball. Why didn't someone at SGI go back and take a look at their calculations instead of wasting time and money going to arbitration?

Something really stinks at SGI when it comes to write-offs. I still don't think the vehicle should have been written off in the first place. As well, when the final settlement after arbitration is 81% higher than SGI's initial offer, and 50% higher than SGI's final offer, shouldn't SGI have to reimburse the cost of arbitration? It was pretty clear that one side wasn't coming to the table with clean hands.

I had an accident at less than 20 kmh fender bender with a mint condition 300 limited edition with 120000 kms only. It has been 5 weeks SGI hasn't even looked at it yet. They said it was approved for getting fixed, then 5 weeks later they want to look at it again and say the damage is over 13000 dollars... for a bumper and some paint. This is a scam and unbelievable. They hold the monopoly and know it. I have now lost my job and soon my home during this time as no city services go anywhere near my old work. And since we at week 5 and not even started the fix, looks like gonna lose everything anyway. Thanks, SGI

They charge you if you get a ticket. So speeding? -2 safety points and $100 on top of the ticket itself? Happens again? $200-300-400 and so on up to a thousand. The reset period is THREE WHOLE YEARS WITHOUT A SINGLE TICKET FOR ANYTHING AT ALL. So SGI wants to put people in permanent debt or doesn't want people to drive at all. On top of $100+ cost of insurance, these safety points pile up because it's impossible not to get a single ticket in three years if you drive frequently. If you see the pattern; you'll be driving to work; TO PAY OFF SGI SO YOU CAN KEEP DRIVING. Corrupt and messed up

SGI insured my vehicle in October 2022 and I was able to opt for a three-payment system. When I looked closer at the payment dates, 40% was required up-front, with the full payments being made even before five months into the insurance policy (which lasts a year). This is my money, not theirs, and this type of behaviour on the part of insurance companies is not acceptable. Three equally spaced payments throughout the year would be fine; however, in this environment of high inflation, this is a money grab by the company.

I have car insurance with SGI. They take payments out on random days with no notice. If I don’t have the money in there, they then charge me return payment fees and pick another random day to take out a payment. I’m not sure how they are allowed to just decide a random date when we have a contract. It’s impossible to talk to anyone. I was changed to this company by my last insurance company, which was also owned by the same people with no notice. They also raised my insurance price when I have no claims. It’s about $50 more a month than any other company I’ve gotten quotes from. Stay far far away from SGI.