Comprehensive Car Insurance Terms

Car insurance terms and conditions

By clicking on Start Quote Now I confirm that I have read and accept the conditions set out below under Important Information.    Start quote now

Important Information

Duty of Disclosure

If you purchase insurance from GIO, the information you provide during Online Quote and Purchase (including the answers to any questions we have asked you) will form part of your application for insurance. Before commencing the Online Quote therefore it is very important that we have explained your Duty of Disclosure obligations.

What you must tell us? When answering our questions, you must be honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the circumstances, would include in answer to the question. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.

Who does the duty apply to? It is important that you understand you are answering our questions in this way for yourself and anyone else that you want to be covered by the policy.

What happens if you fail in your duty? If you do not answer our questions in this way, we may reduce or refuse to pay a claim, or cancel the policy. If you answer our questions fraudulently, we may refuse to pay a claim and treat the policy as never having existed.

By proceeding you agree that you have read and understand your Duty of Disclosure.

The quote is available for 30 days from the date it is generated. It is not a contract of insurance and does not provide cover.

By getting a quote you agree that the right PDS is being made available to you by this website and agree with our Online Terms & Privacy Statement.




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We accept Visa, MasterCard, American Express credit card payments online.

You can also commence cover online and pay through internet or telephone banking with B-Pay, or pay in person at an Australia Post Office.

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GIO provides quotes for car insurance in ACT, NSW, NT, VIC, and WA. GIO States