Ways to save on our car insurance

With our range of discounts you can save more

What's in it for you?

You can trust GIO to give you a great range of discounts you can bundle together to save on our premiums.

  Home & Contents Insurance  
Choose the option that is right for you 
Click on the options below that best suit your situation.
I'd prefer to buy my insurance online
I am under 25 years of age and my parents have a GIO Platinum Car Insurance or GIO Comprehensive Car Insurance policy*
I'll have 3 or more personal policies
with GIO
I’d like to increase my excess to reduce my premium
I have a good driving and insurance

Family discount up to 10%

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.
Ask us how.


save 10%

With our multi-policy discount

save 10%

GIO rewards customers who hold three or more eligible
GIO personal insurance policies with a 10% discount.

You can bundle three of the same product
eg three different cars each with Comprehensive
Car Insurance, or bundle with other products like:

  • Home
  • Contents
  • Boat
  • Caravan
  • Motorcycle
  • NSW CTP Green Slip

(A GIO NSW CTP Insurance policy can be included as one of
the multiple covers but the discount does not apply to the CTP premium)

View terms and conditions here.

Increase your excess to
reduce your premium

You may be able to reduce your premium
by choosing a higher excess from the range we offer.


Earn a credit on next year’s premium with GIO Claims Free Savings

save $$
  • 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.


Online Discount

GIO Claims Free Savings

Multi-Policy Discount

Family Discount

Increase Your Excess & Save


If you are eligible for more than one discount, we apply any subsequent discount to the already discounted rated premium (usually before adding taxes and charges). Discounts are subject to change without notice. Minimum premiums may apply. 

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read and consider the relevant PDS before you make any decisions about any of our products. Click here for a copy.