Car Insurance Comparison

Compare our four levels of car insurance

Below is a list of some of the policy features and benefits available depending on the level of car insurance you choose. It is a guide only. For full details of what is covered and not covered, please read the PDS.
 

Features and Benefits

GIO Platinum Car Insurance
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Comprehensive Car Insurance
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Fire, Theft & Third Party Property
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Third Party Property
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No matter what level of cover you choose, we cover these insured events as standard.
Lifetime new car replacementmore

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 car of similar make and model must be available.
Hire car after an event covermore


Unlimited days


Optional
(up to 14 days)

GIO will pay the costs for a hire car of similar make or model up to $90 a day for GIO Platinum Car Insurance customers, or compact category for Comprehensive Car Insurance customers, while your car is being repaired or replaced.

Windscreen and window glass replacement (without excess)more
Optional
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.
7 day repair guaranteemore N/A - GIO Platinum hire car feature applies. We’ll repair your comprehensively insured car within 7 days if you can safely drive to a GIO assessment centre following an approved claim. If we don’t, we’ll cover the daily hire cost of a ‘compact’ category hire from the 8th calendar day until your car is repaired. Flood and hail damage claims excluded.
2 year new car replacementmore

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.
Accidental loss and damage to your carmore
Fire & theft claims only
We’ll cover accidental loss or damage to your car (e.g. collision, storm, hail, flood, fire & theft).
Two-wheel trailer cover (up to $1,000)more We cover your two-wheel trailer when it is attached to your car and is damaged or stolen in an insured incident (up to $1,000).
Emergency travel, accommodation and repairs more
Fire & theft claims only
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.
Reasonable towing and storage costsmore
Fire & theft claims only

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.
Damage by uninsured drivers more
up to $5,000

up to $5,000
Where we agree damage caused by an uninsured driver that you can identify.
Cover for malicious acts or vandalism more Cover for damage to your car caused by malicious acts or vandals.
Replacement of locks and keys more
Fire & theft claims only
The cost of replacing the keys and recoding locks (up to $1,000).
Personal property more
Fire & theft claims only
We cover personal property (limit up to $500) 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.
Hire car after theft more N/A - GIO Platinum hire car feature applies.
Up to 14 days

Up to 14 days
We’ll cover the daily hire cost of a ‘compact’ category hire car following theft, or attempted theft for up to 14 days following an approved claim. Other conditions apply.
Choice of repairer more
Fire & theft claims only
You can choose your own repairer or allow us to repair your car at one of our assessment centres.
24/7 Australia wide claims service more
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.
Taxi and transport cover more If you can safely drive to a GIO assessment centre or repair facility following an approved claim we will cover the reasonable taxi costs to your home or work and then back again once the repairs are complete. Some exclusions apply.
Lifetime repair guaranteemore We’ll guarantee repairs we authorise and arrange for the life of your vehicle.
Liability cover for damage to other people’s property more Up to $20 million legal liability cover to pay for damage caused by your car to other people's vehicles or property.
Third party property damage for caravans and trailers more When your car is towing a caravan or trailer we cover damage caused to other’s people’s property as a result of the actions of your caravan or trailer.

Ways to save

GIO Platinum Car Insurance
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Comprehensive Car Insurance
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Fire, Theft & Third Party Property
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Third Party Property
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20%
Online Discount more Receive a 10% discount on your car insurance when you get a quote and buy your insurance online.
GIO Claims Free Savings more Every year you don’t make an excess payable claim, we’ll give you a credit on next year’s premium for that car. The longer you keep your policy with us, the greater the credit - up to 20%. Credit is a percentage of the rated premium you paid the previous year, from 5% after one year up to 20% after 15 years+ of being continuously insured with GIO Platinum or Comprehensive Car Insurance. GIO Claims Free Savings is not available with Maximum No Claim Discount. Conditions and eligibility criteria apply.
Multi-Policy Discount more Receive a 10% multi-policy discount if you hold 3 or more eligible personal insurance policies. Find out more.
Family Discount more If you're younger than 25 and your parents have GIO Platinum or Comprehensive Car Insurance with GIO you could be eligible to receive a 10% discount off your own GIO Platinum Car Insurance or GIO Comprehensive Car Insurance policy.
Increase your Excess and Savemore By increasing your excess within the range of excess amounts we offer, you can reduce your premium.

Conditions, exclusions and limits apply to all the features and benefits listed.

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read Car Insurance Product Disclosure Statement before making any decision regarding this product. Contact us for a copy.