Comprehensive Car Insurance

What's in it for you?

GIO Comprehensive Car Insurance has your car covered.

Enjoy protection from all the things that life can throw at your car – such as accidental loss or damage, fire, theft or attempted theft, vandalism, storm or flood damage.

Comprehensive Car Insurance also provides:

• Maximum No Claim Discount (NCD) / Rating 1
  for Life for eligible customers
• Choice of repairer
• Lifetime guarantee on repairs we authorise
• 2 year new car replacement¹
• If your car is stolen, we’ll pay for a hire car for
  up to 14 days²

It’s our way of protecting your car –and helping you get on with life if anything happens to it.

Download policy document   Get a quote

Added benefits

• Up to $20 million cover for your legal liability for damage to other
  people's property caused by your car
• No excess if we agree you’re not at fault
• Up to $150 per item and $500 cover in total for personal
  property in your car
• Replacement of locks and stolen car keys up to $1,000
• 7 day repair guarantee on drivable cars Find out conditions here
• 24 hour claims service
• Choice of annual payment or pay by the month (fee applies)

Optional covers

Pick and choose from GIO's optional covers. Depending on your circumstances, you may be able to include:

• No Claim Discount (NCD) / Rating protection
• Windscreen cover
• Hire car option
• Named driver option

Ways to save

GIO is committed to giving you the best deal for your Comprehensive Car Insurance. We offer a great range of discounts and ways to save, such as:

• Save $50 when you combine it with a GIO NSW CTP Greenslip
  on the same car, provided you have a maximum NCD²
• A 10% discount if you get a quote and buy your Comprehensive
  Car Insurance online
• Save up to 60% (65% in VIC) off your premium if you have a
  maximum NCD / Rating 1
• A 5% Multi-policy discount if you hold 3 or more eligible policies
  with GIO. Find out more
• Up to 10% discount as a Seniors Card holder³

• If you’re younger than 26, with a good driving history, and you parents have GIO Comprehensive Car Insurance on a maximum NCD, you could qualify for a 60% (65% in VIC) family discount. Find out full details here

¹  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.

²  We’ll pay for a compact category hire car. You are responsible for all running costs, extras and deposit.

³  In WA the discount is 7% and in NT the discount is 5%