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Specifically designed for people who are 55 and over, our 55UP Home & Contents Insurance is designed to cover a range of living arrangements. GIO Insurance is available in NSW, ACT, VIC, WA & NT. For full details about our 55UP Cover, please refer to our 55UP Home & Contents Insurance Product Disclosure Statement & any Supplementary Product Disclosure Statement (PDF, 3000KB). These features of 55UP Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal. |
Key features of GIO 55UP Home & Contents Insurance
| Feature | Description |
|---|---|
| Cover for Insured Events | You are covered against loss or damage as a result of 12
Insured Events. Some of these include:
|
| Automatic flood cover | From 1 July 2008, all new and existing Home & Contents Insurance customers will have our automatic flood cover for all types of flood caused by rain. Click here to find out more. |
| Eco-friendly insurance features | We will pay up to $2,500 of the net cost of installing a rainwater storage solution or solar powered heating facility when we rebuild or repair your home when at least 80% of your home is damaged by an insured incident. When we replace new for old, we replace your damaged white goods with ones of equal specification that have a minimum 3 star energy rating, even if your item originally had a lower rating. |
| Extra cover for your home | Safety Net gives you extra home cover. If your home is damaged by an insured incident and the repair or replacement cost exceeds the sum insured, we will if necessary pay up to an extra 25% of your home sum insured to repair damage, replace your home or pay you what it would cost us to repair or replace your home. |
| Lifetime Guarantee on home repairs | For peace of mind, GIO guarantees the quality of materials and workmanship of home repairs that we authorise and arrange for the lifetime of your home. |
| Additional features at no extra cost | GIO includes a number of Additional
Features at no extra cost, such as:
|
| Home Assist | Access to legal, medical or property maintenance advice services through GIO Home Assist. A range of service providers are on hand to assist you via phone 24 hours a day, 7 days a week. |
| Only one excess to pay | Pay only 1 excess when you make a claim for both Home & Contents for the same event. |
| No claim forms | There are no claim forms to fill in when you make a claim - simply call us and we will manage this process for you. |
| Choose to make one annual payment, or to pay by the month |
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Optional Covers for 55UP Home & Contents Insurance
Tailor your Insurance cover to suit your needs with the choice of 5 Optional Covers, such as:
| Cover | Description |
|---|---|
| Injury to pet dogs and cats | Your pet dog or cat will be covered up to $500 for necessary veterinary treatment if they are injured in an accident during the period of insurance. |
| Motor burnout | You will be covered for the burning out or fusing of household electric motors less than 11 years old, which are part of the insured Home or Contents. |
| Accidental damage | We will cover you for accidental loss or damage at the insured address such
as accidentally dropping a heavy saucepan onto your kitchen tiles (Home cover)
or accidentally spilling a bottle of red wine on your carpet (Contents cover). (Not available for tenanted homes) |
Discounts and ways to save on your policy
- A 10% premium discount for being 55 or over
- An additional 5% premium discount if you are 60 or over and hold a Seniors Card
- Save 15% off the combined premium when you combine your home and its contents onto one policy.
- Choose a higher excess to reduce your premium
- Installing extra security at your home may also reduce your premium
- You may be eligible for a Multiple Policy Discount if you have other insurance products with us
Next Steps - 55UP Home and contents insurance
- Get a 55UP Home & Contents insurance quote online or call 13 10 10
- If you already have a quote, you can apply online for cover
- Find out about insurance perils in your suburb with our Postcode Profiler
- Use our calculators as a guide to estimate the amount of cover you need
- Download our Virtual Safe to keep an inventory of your Home & Contents items and documents
- Make a claim
Important Information
Product Disclosure Statement
55UP Home & Contents Insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the relevant Product Disclosure Statement & any Supplementary Product Disclosure Statement (PDF, 3000KB) before you make any decisions regarding any of these products. Contact us for a copy.
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These features of 55UP Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal.
Queensland, South Australian and Tasmanian residents
GIO provides insurance in NSW, ACT, VIC, WA & NT. GIO does not currently provide insurance in Queensland, South Australia and Tasmania.
- In Queensland you can apply for insurance cover with Suncorp Metway Insurance Limited (Suncorp) (GIO's parent company).
- In South Australia you can apply for cover with RAA Insurance Limited (RAA) (a joint venture between RAA and Suncorp).
- In Tasmania you can apply for cover with RACT Insurance.