GIO Platinum Insurance

It’s our highest level of protection for your car

Platinum Car Insurance





If your car is ever written off, GIO Platinum will replace it with a brand new one no matter how old it is for eligible customers1. We also automatically include cover for windscreen and window glass damage2 and hire car cover for unlimited days. And that’s on top of our usual  cover for accidental loss or damage, hail, fire, theft, vandalism, and storm or flood damage. With GIO Platinum Car Insurance, you have GIO’s highest level of protection for your car.

  • Lifetime new car replacement (for eligible customers)1
  • Unlimited days of car hire while your car is being
    repaired or replaced after an insured incident
    – up to $90 a day for a similar make and model
  • Windscreen cover as standard – no excess applies2
  • 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, storm or flood damage
  • Choice of repairer
  • Lifetime guarantee on repairs we authorise
  • Up to $20 million cover for your legal liability for damage to other people's property caused by your car
  • Up to $500 cover in total for personal property in your car which is lost or damaged in an insured incident
  • Replacement of locks and stolen car keys up to $1,000
  • No excess if we agree you’re not at fault (and you can provide details of the person at fault)
  • A claims service you can count on, 24/7
  • Choice of annual payment or pay by the month (higher premium applies)


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Our customers rate us

1. You must be the first registered owner and your car must have been continuously insured under GIO Platinum cover from within 13 months of purchase until the time of the total loss. A replacement car of similar make and model must be available.

2. One claim only in the period of insurance.

*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 online
  • GIO Claims Free Savings*
  • Combined GIO Platinum 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

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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.