Comprehensive Car Insurance Terms

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.

Product Disclosure Statement

The Product Disclosure Statement (PDS) sets out important information about the policy cover including the conditions and exclusions that apply. Please click here to read and download a copy. Requires Adobe Acrobat. Insurance is issued by GIO General Limited ABN 22 002 861 583.

It is very important that you read the PDS so that you understand what is covered and not covered.

By proceeding you are agreeing to the PDS being made available to you via this website and confirming that you have read the PDS. If you buy insurance from us, a PDS will also be sent to you in the mail.

Your Privacy

Any personal information you provide in using Online Quote and Purchase is collected, used and disclosed by GIO in accordance with its Privacy Policy.

As one of a number of companies that form the Suncorp Group, we provide personal information about a customer to all the related companies within this group. Other companies in the Suncorp group may use your personal information for the purposes of providing products and services to you or to other customers (but we will not disclose your personal information to any other customer without your consent).
By proceeding you agree to us disclosing your personal information to other companies in the Suncorp group for these purposes.

Terms of Use

Your access and use of this Online Quote and Purchase tool constitutes your agreement to these Terms of Use. These Terms of Use incorporate the terms and conditions set out in the disclaimer. If there is any inconsistency between these Terms of Use and any other documentation included in this site, these Terms of Use prevail. GIO may revise these Terms of Use at any time by updating this page.

If you are not buying the insurance on the day you obtain your quote, you should review the current Terms of Use, before buying any policy of insurance with GIO.

As with many general insurers, the terms of our insurance vary from the standard cover specified in the Insurance Contracts Act 1984. It is important that you read the relevant Product Disclosure Statement (PDS) and understand the cover that is provided in, or is excluded by the PDS.

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. If you complete Online Quote and Purchase and your application is accepted, you will be given a policy number. Your cover will start from the date you specify:

• If it's today. Your cover will start immediately.
• If it's a day in the future. You'll be covered from midnight the day before.

Please Note for Home and Contents Insurance products there is NO cover for bushfires, storms or floods for the first 72 hours from the start of cover. Some limited exceptions apply so read the Product Disclosure Statement for full details.

As at 2nd March, 2011.