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A GIO Comprehensive Motor Vehicle Insurance policy gives you peace of mind with cover for accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your vehicle. It also covers damage to other people's property caused by your vehicle up to $20 million. Plus you could save up to $50 on your GIO Comprehensive Car Insurance when you combine it with a GIO CTP Green Slip on the same car (NSW only). Conditions apply. For full details about our comprehensive cover, please refer to our Motor Vehicle Insurance Product Disclosure Statement. |
Key features of GIO Comprehensive Car Insurance
| Features | Description |
|---|---|
| Maximum No Claim Discount/Rating Protection For Life* |
If you have held a maximum No Claim Discount / Rating 1 for the last 12 months and haven't made an at-fault claim in the last two years, you may be eligible for maximum No Claim Discount/Rating Protection For Life at no extra cost. This means your maximum No Claim Discount/ Rating is protected for life, no matter how many claims you make or who is at fault. |
| Lifetime guarantee on authorised repairs | GIO guarantees the quality of material and workmanship of repairs we authorise for the life of your vehicle, even if you no longer own it. |
| A damaged car won't wreck your week.** | If you are able to safely drive your car into one of our assessment centres after an approved claim, we will guarantee to have your car repaired within 7 days. If for some reason we can't fix your car within 7 days we will arrange a courtesy car for you on the eighth day to use until your car is repaired. |
| Choose to make one annual payment or to pay by the month | At GIO we give you the choice of payment options. You can choose to pay a once of annual payment or monthly instalments.
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Optional car insurance covers
For extra peace of mind, consider the following optional covers that may be available to you depending on your circumstances. These may increase or decrease your premium.
| Type of Option | Description |
|---|---|
| Windscreen and window glass damage | You can receive one windscreen or window glass repair or replacement in each year you have insurance with us, without having to pay an excess. |
| Hire car after an event | We will arrange and pay the reasonable costs for a 'small' category hire car for up to 14 days if your vehicle is damaged by an event. |
| No Claim Discount / Rating protection | You can choose to have rating protection added to your policy. This means your No Claim Discount/Rating will not be reduced, even if you make a claim. |
| Named Driver | You will get a premium discount if you limit your policy to 2 listed drivers both aged 30 or over. Find out more. |
Discounts^ and ways to save on your car insurance policy
- You could save up to $50 on your GIO comprehensive car insurance when you combine it with a GIO CTP Green Slip on the same car (NSW only). Conditions apply. Find out more.
- Get a 10% discount on your car insurance if you quote and pay for your insurance online
- No Claim Discount - save up to 60% on our Comprehensive Motor Insurance as a reward for being a good driver. Find out more.
- Multi-policy Discounts - receive a 5% discount off your premium if you hold 3 or more eligible insurance policies with us.
- Receive a discount of at least 5% off our Comprehensive Motor Insurance if you hold a Seniors Card
- Family discount - under 26 year olds could be eligible to receive a 60% discount off their own GIO Comprehensive Car Insurance. Find out more.
- Named driver option - you will get up to 10% premium discount on our Comprehensive Motor Insurance if you select this option but this cover is limited. Find out more.
- Increase your excess to reduce your car insurance premium.
- Pay annually - you can save on the monthly fee when you pay annually.
- Save 10% on your Comprehensive Motor Insurance if your car is a hybrid vehicle***. Find out more.
Next Steps - Comprehensive Car Insurance
- Get a Comprehensive car Insurance quote.
- If you already have a quote, you can apply online for cover
- Read our car theft prevention tips
- Call GIO on 13 10 10 from anywhere in Australia for further information.
- Make a claim online or by calling 13 14 46.
- Visit a GIO branch.
Motor Vehicle Insurance Product Disclosure Statement
Please read the Product Disclosure Statement before you make any decision regarding this product. Motor Vehicle Insurance is issued by GIO General Limited ABN 22 002 861 583.
Important Information
^ Discounts
Any discounts that you may be eligible for such as No Claim Discounts, Multiple Policy Discounts, Family Discount and our Named Driver Option for example, will be applied to the new reduced premium.
We have the right to alter the terms of cover for No Claim Discount/Rating Protection and Maximum No Claim Discount/Rating Protection For Life, including excess, premiums and acceptance of cover according to our underwriting rules. Applies to cars, 4WD's, utilities and vans up to two tonnes carrying capacity which was manufactured after 1975 and have Comprehensive Cover.
** 7 Day Repair GuaranteeApplies to cars, 4WD's, utilities, and vans up to 2 tonnes carrying capacity which were manufactured after 1975 which are comprehensively insured with GIO. The vehicle must be driven to a GIO Motor Vehicle Assessing Centre for repairs following an approved claim. The offer excludes vehicles towed to a GIO Motor Vehicle Assessing Centre. Repairs to vehicles are to be carried out as directed by GIO. Excludes vehicles damaged as a result of hail or flood, or to vehicles to which additional private work is to be carried out. Available for repairs for one claim only. Repairs to be made at the same time for additional claims will increase term of offer by 7 days for each claim (eg. 2 claims, 14 days). 7 days is calculated as 7 calendar days beginning on the day the vehicle is driven to the GIO Motor Vehicle Assessment Centre. The Courtesy car will be provided on the 8th calendar day.
Under this benefit we will pay for the daily hiring of the courtesy car. A car hire bond may apply and if it does you will have to pay this bond to the hiring company. You will be advised of any such bond at the time you pick up the car. The courtesy car provided will be a 'small category' vehicle.
This information does not form part of the GIO Motor Vehicle Insurance Product Disclosure Statement. Motor Vehicle Insurance provided applicants only. Terms and conditions apply.
*** Hybrid Vehicle
Hybrid vehicles are those that are powered by electricity and one or more other fuel types. Examples of hybrid vehicles include Toyota Prius, Lexus 450 GSH, Lexus RX 400H and Honda Civic.