SGI Auto Insurance Reviews

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

Always denied claims that were legit. They took the word of a car theif over Me. A paying customer...i ain't a theif. And totally lost that car.

No returned calls, fluctuating premiums and a double bank withdrawal. My policy was switched to SGI by their parent company and I was informed that my rates would be lower due to my clean driving record. I was initially told, after calling to inquire what my premium was, that they were backlogged due to changes within their office and waited well over a month for any paperwork from them. My broker advised that I needed to ensure 2.5 payments be available in my account 'just in case'. These payments he advised were only ballpark amounts as SGI hadn't processed my policy yet. 2 months after supposedly being insured by them, I finally received my policy in the mail - 2 different versions and premiums that were mailed out by them on the same day. In the 3rd month, they withdrew 3 payments and my rate increased for the 2nd time in 3 months. I called to cancel my policy today and will monitor my bank account for theft of future premiums.

About a year ago someone that was insured by SGI hit my brand new car! It was approx $6800 damage, my insurance company paid for the repairs and also paid for my rental for 8 weeks. My rental was up and that’s when my rental company contacted SGI to see if they would pay for a 7-day rental for me, not a problem they sent all the paperwork approving that they were going to pay it! The company still has not paid for it, now the rental company is coming after me to pay for it! This happens to be the worst insurance company to deal with! When you send paperwork approving to pay for something do it! This is not fair to me or my credit now because I can’t afford to pay their insurance claims!

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.

If I could put a no star, I would! Not even worthy of a single star. We had to pay for a Certified Extract License and we even told them we need it that day for a passport, we waited till 4 pm. They told us they will email it to us but we haven't received a single email from them the whole day. We had to pay the rush fee for the passport. I phoned them the off day to ask if they could just lessen the amount we paid on our registration or refund us 'coz it's really unfair for us that we had to pay a service that we didn't even get. They just told me they will just send it again. What for? We don't even need it anymore! We had to pay $110 for a rush fee already, you should change your policy for refunds! You're just ripping off people. Very poor and useless services as well!

Received zero communication through SGI for the duration of our policy. Our premium was high for no reason ($200 per month for 2 females >30 w/ no claims).
We were provided with a payment schedule for our policy, showing the last date a payment would be taken. We never received a renewal notice, however, they continued taking monthly payments after the 'final' payment, yet before our policy had expired. This company comes off as a bunch of crooks. Glad we never had to make a claim. Avoid.

Barry Chalifoux says he's lucky to be alive after what seemed like a slight car malfunction turned into a terrifying ordeal.

On July 10, Chalifoux started on his regular weekly work commute from Loon Lake, Sask., to English River First Nation — a journey roughly 305 kilometres to the northeast — when he noticed that something was off around Beauval, Sask., close to halfway through his trip.

"I was getting closer to Beauval when I saw smoke coming in. I saw smoke from the hood and also I could smell it coming into the vehicle," he said.

Barry Chalifoux suffered nerve damage to his leg from a third-degree burn. (Barry Chalifoux)

Seconds later, the front of his 2015 Ford Edge — a car that he had owned for less than a year — was engulfed in flames leaving him unable to use his power brakes because the electrical components had stopped working. No electrical meant his doors and windows were also inoperable.

"I pulled into the side of the road to try to slow myself down and when the vehicle came to a stop, I tried getting out of the vehicle but [that] wasn't working either."

Unable to unlock the doors or roll down the windows, Chalifoux was trapped inside of his car while it quickly filled up with black smoke... Read more at cbc.ca

I was driving outside of the province not for the purpose of work or school, but had moved to Calgary in 2013. I didn't realize there's some unknown, unmentioned clause in SGI rules that is the registered owner must immediately (as in the second of) using the vehicle to leave the province make an address change and receive a Saskatchewan license with an Alberta address? Since I didn't do that I was denied my claim. They will try anything they can to get out of paying. And everyone who has a claim denied isn't ineligible, it's a horrible company

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