Comprehensive Car Insurance

Comprehensive protection no matter who's at fault

Comprehensive Car Insurance


Save 10% when you get a quote and buy online

GIO offers comprehensive car insurance with a great range of benefits and features so that you can feel better protected. So before you sign up or renew with anyone else, just ask yourself – do they offer all this?

  • 2 year new for old replacement1
  • GIO Claims Free Savings - 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%.*
  • Cover for accidental loss or damage, fire, theft or attempted theft, vandalism, hail, storm or flood damage
  • Cover the cost of a taxi to and from home or work whilst your car is repaired at one of our assessment centres.
  • An option that covers 1 windscreen repair with no excess
  • Up to $20 million cover for your legal liability for
    damage to other people's property caused by your car
  • Choice of repairer
  • Lifetime guarantee on repairs we authorise
  • No excess if we agree you’re not at fault (and you can tell
    us who was at fault)
  • Up to $500 cover in total for personal property in your car
    which is lost or damaged in the same incident involving
    loss or damage to your car
  • Replacement of locks and stolen car keys up to $1,000
  • Optional extras – choose the extra cover you want
  • 7 day repair guarantee on most driveable cars. Find out conditions here.
  • A claims service you can count on, 24/7
  • Choice of annual payment or pay by the month
    (higher premium applies)


Get a quote    Download policy document  

Our customers rate us

1If 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.

^Discount not applied to roadside assist option

*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.

Optional covers

Pick and choose from GIO's optional covers:

Ways to save

We offer a great range of discounts and ways to save on your premium:

  • 10% discount if you get a quote and buy new online
  • GIO Claims Free Savings*
  • Combined GIO Comprehensive Car Insurance & GIO NSW CTP Discount
  • A 10% multi-policy discount if you hold 3 or more eligible personal insurance policies with GIO. Find out more.
  • Family Discount
  • Reduce your premium by increasing your excess

Conditions apply. Discounts not applied to roadside assist option. Find out full details here.   

Is this insurance right for you?

Car insurance comparisonNot sure if this is the right level of car insurance for you? Compare our different types of car insurance or read the full PDS

Download from App Store     Download from google play


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.