Your SGI licence plate gives you the authority to drive your vehicle on public roads. This authority comes from the registration portion of the premium you pay each year. The remainder of your premium is for liability insurance and for property coverage to your vehicle.

The third party liability coverage included in your licence plate insurance is $200,000. The deductible for property damage to your vehicle including coverage for collision and comprehensive perils, ie. fire, vandalism, windstorm, hail, & theft is $700.

You can decrease your deductible and increase your liability by purchasing an auto extension policy or auto pak. There are additional options for these policies.

• Road Hazard Glass-- coverage for your windshield for damage caused by objects thrown up from the ground.
• Loss of use--coverage for renting a vehicle while your vehicle is damaged due to collision or comprehensive losses.
• Replacement Cost-- coverage for brand new vehicles without depreciation for damage requiring repair or replacement due to a total loss.

If you have an auto policy and you hit wildlife or birds, or your vehicle is entirely stolen, or your vehicle burns, the insurance company will waive the deductible that you have chosen on your policy.

Auto policies also top-up all the injury benefits that you receive under the licence plate under the "No-Fault Injury Benefits".

Purchasing an auto policy through the same company as your home or tenant insurance gives you additional benefits. In the event that you have a loss involving both your vehicle and your house or contents, you will have one deductible. A discount may also be available. Ask us.