Car Insurance Comparison

Compare our 4 different types of car insurance covers: GIO Platinum Car Insurance, Comprehensive car insurance, Fire, Theft and Third Party Property Damage, and Third Party Property Damage.

Below is a list of some of the policy features and benefits available depending on the type of cover you choose. It is a guide only.  For full details of what is covered and not covered, please read the Product Disclosure Statement.
 

Feature or benefit	GIO Platinum Car Insurance Get a quote	Comprehensive Car Insurance Get a quote	Fire, Theft & Third Party Property Get a quote	Third Party Property Get a quote
Accidental damage to your car			X	X
Storm, hail, flood			X	X
Fire and theft				X
Lifetime new car replacement		X	X	X	Only GIO Platinum replaces your car with a brand new one if it’s ever written off or stolen, no matter how old it gets. Simply take out GIO Platinum within a year of buying your car brand new and keep the cover.   You must be the first registered owner. Replacement vehicle of similar make and model must be available
GIO Platinum hire car		X	X	X	Unlimited days of car hire while your car is being repaired or replaced up to $90 per day.   You are responsible for all running costs and extras of the hire car including any deposit required
GIO Platinum windscreen cover		X	X	X	Windscreen cover included as standard.   If the windscreen or window glass (including sunroof) of your car is damaged, we'll pay for the repair or replacement and you won't have to pay the excess. Cover is limited to one claim in each period of insurance.
Liability cover for damage to other people’s property					Up to $20 million legal liability cover to pay for damage caused by your car to other people's vehicles or property.
Maximum No Claim Discount (NCD) / Rating 1 for Life for eligible customers			X	X	If you've held your maximum NCD / Rating 1 for 12 months with your previous insurer and haven't made an at fault claim in the last 3 years, switch to GIO Platinum or Comprehensive Car Insurance and we'll protect it for life. This means that while you remain insured on GIO Platinum or Comprehensive Insurance  with us, your maximum NCD/Rating 1 will not be reduced.
2 year new vehicle replacement			X	X	If your car is a total loss within the first 2 years of registration and you are the first registered owner, we'll replace it with a new one of the same or similar make and model.   For GIO Platinum, this feature is not available if you are eligible to claim under the ‘Lifetime new car replacement’ feature.
personal property in your car			Fire & theft claims only	X	We'll cover up to $150 per item to a total of $500 for your personal property. If they are damaged or stolen, as a result of your car being damaged in an incident or stolen, and we pay your claim for that damage/theft.
24hr claims service					We have a dedicated claims hotline 13 14 46 providing a paperless claims service where you can talk to someone 24 hours a day, every day of the year.
Hire car if your car is stolen	N/A			X	We'll pay for a compact category hire car for up to 14 days if your car is stolen and either not found or is found but is not driveble. You are responsible for running costs and extras of the hire car including any deposit or upgrade Not applicable if you have GIO Platinum cover as the ‘GIO Platinum hire car’ feature will apply instead.
Emergency travel and accommodation			Fire & theft claims only	X	We'll pay up to $500 for emergency travel and accommodation. If the incident was more than 100 km from your home and the car is not roadworthy or safe to drive.
Emergency repairs			Fire & theft claims only	X	We'll pay up to $500 if you need emergency repairs. So you can get your car to your destination; (eg. to a repairer or to your home) after an incident.
Replacement of locks and stolen keys			Fire & theft claims only	X	If your car keys are stolen. We will pay up to $1,000 to replace the keys and/or recoding your car's locks.
Towing and storage costs after an incident			Fire & theft claims only	X	We'll pay for towing your car to our nearest assessment centre or repair facility, or another location agreed to by us if your car is not roadworthy or safe to drive. We will also pay for storing your car after your claim is lodged until your claim is settled.
Optional covers	GIO Platinum Car Insurance Get a quote	Comprehensive Car Insurance Get a quote	Fire, Theft & Third Party Property Get a quote	Third Party Property Get a quote
No Claim Discount (NCD) / Rating protection			X	X	By choosing to have NCD/Rating protection added to your policy. Your NCD/Rating will not be affected even if you make an 'at fault' claim.
Windscreen cover	N/A – cover included as standard		X	X	If the windscreen or window glass (including sunroof) of your car is damaged. We'll pay for the repair or replacement and you won't have to pay the excess. Cover is limited to one claim in each period of insurance.
Hire car option	N/A – cover included as standard		X	X	If your car is damaged in an incident or not found after being stolen, GIO will pay the costs for a compact category hire car for up to 14 days.   You are responsible for running costs and extras of the hire car including any deposit or upgrade.
Named Driver	X		X	X	By restricting your cover to a maximum of 2 drivers 30 years of age or over, you could earn a further discount off your premium. However, cover for accidental loss or damage to your car or to other people's property will be limited to these listed drivers.
Discounts and ways to save	GIO Platinum Car Insurance Get a quote	Comprehensive Car Insurance Get a quote	Fire, Theft & Third Party Property Get a quote	Third Party Property Get a quote
Combined NSW CTP Green Slip discount			X	X	Save $50 when you have a maximum NCD and combine it with a GIO CTP Green Slip. You could save $50 on your next GIO Platinum or Comprehensive car insurance premium when you combine it with a GIO CTP Green Slip on the same car (NSW only). This is one of the ways GIO rewards drivers with a maximum NCD.
10% online discount			X	X	Receive a 10% discount on your GIO Platinum or Comprehensive car insurance. When you get a quote and buy your insurance online.
No Claim Discount (NCD) / Rating			X	X	Save up to 60% (65% in VIC) on your GIO Platinum or Comprehensive car insurance. As a reward for being a good driver without making claims that affect your NCD/Rating.
Multi-policy discount Find out more					Receive a 5% Multi-policy discount. If you hold 3 or more eligible policies with GIO.
Seniors card discount					Save up to 10% discount as a Seniors Card holder. In WA discount is 7% and in NT discount is 5%.
Family discount	X		X	X	If you’re younger than 26 and your parents have GIO Platinum or Comprehensive car insurance with GIO on a maximum NCD and have made no at fault claims in the past 12 months. Simply provide us with your parent's policy number and you could be eligible to receive a 60% (65% in VIC) discount off your own GIO Comprehensive car insurance policy where you have not made an at fault claim in the past 5 years
Increase your excess					By increasing your excess within the range of excess amounts we offer, you can reduce your premium.

Insurance is issued by GIO General Ltd ABN 22 002 861 583. Please read and consider the relevant Product Disclosure Statement for Motor Vehicle Insurance before you make any decisions about this product.