Home & Contents Insurance: GIO Australia: House & Contents Insurance Online

When you insure your home & contents with GIO, you can relax in knowing that if the unexpected happens to your home, we'll help take care of your insurance for you. That's why we've designed our Classic Home & Contents Insurance and after claims service to help things get back on track sooner.

GIO Insurance is available in NSW, ACT, VIC, WA & NT.

For full details about our Classic Home & Contents Insurance, please refer to our Classic Home & Contents Insurance Product Disclosure Statement (PDS) (PDF, 2442KB).

These features of Classic Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal.

Features of GIO Classic 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: Storm and flood Fire Lightning Burst pipes, leaks and overflows Theft and damage
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 learn more about our flood cover.
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 had a lower rating.
Safety Net	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 18 Additional Features at no extra cost, such as: Removal of debris Extra costs to comply with the latest home building regulations Temporary accommodation costs during repairs for up to 12 months Cover for uninsured visitor's contents when your contents are insured Legal liability cover up to $20 million
Only one excess to pay	When you make a claim for both home & contents for the same event, you only have to pay one excess.
Choose to make one annual payment, or to pay by the month	Learn more about Pay by the Month (fee applies) If you already have a policy with GIO, you can call us on 13 10 10 to set up monthly payments
No claim forms necessary	There are no claim forms to fill in when you make a claim - simply call us and we will manage this process for you.
You can call us 7 days a week	Whether you need to lodge a claim, take out new insurance or make a change to your policy, we are here to answer your call 24 hours a day, every day!

Summary of Additional Features

Where the item below has a next to it, this feature is included in your policy.

	Home	Contents
Temporary accommodation costs during repairs up to 10% of the sum insured (maximum 52 weeks)
Removal of debris	(up to 15% of home sum insured)	(up to 10% of home sum insured)
Safety net home protection up to 25% of your home sum insured
Automatic sum insured adjustment
Extra costs to comply with the latest home building regulations
Replacement of locks when keys are stolen up to $500
Extra cover to install a rainwater storage or solar powered heating facility up to $2500
Spoilage of food up to $500
Cover for contents when you are moving to a new home address in Australia
Contents temporarily removed from your home to a hotel or motel up to 120 days
Loss of rent due to an insured incident up to 10% of the sum insured
Mortgage discharge costs up to $1,000
Accessories and spare parts of vehicles and craft up to $500
Uninsured contents owned by visitors up to $500
Credit or financial transaction card cover up to $1,500
Home modifications where an insured incident causes paraplegia or quadriplegia up to $5,000		(if you live in a unit)
Funeral expenses due to an insured incident up to $5,000
Legal Liability cover up to $20 million

Additional Feature is covered by your policy

Additional Feature is not covered by your policy

Safety Net

With Safety Net, you can claim up to a further 25% of your home sum insured.

This means, if your home is damaged by an insured incident and the cost of repairing or replacing it exceeds the sum insured, we will pay up to an extra 25% of your home sum insured if necessary to:

repair damage or
replace your home, or
pay you what it would cost us to repair or replace your home

Even though you�ve probably done everything you can to make sure your home is adequately covered, you could still fall short. For example, if building costs increase significantly due to high demand, particularly after a major disaster, the cost to rebuild could be higher than your home sum insured. In these situations we want to make sure you have extra cover.

Find out more about Safety Net.

Optional Covers

Tailor your Classic Home & Contents Insurance cover with the choice of 5 Optional Covers for an extra premium.

	Home	Contents
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 Provides cover for the burning out or fusing of a household electric motor less than 11 years old, which are part of the insured Home or Contents.
Accidental damage Accidental damage provides cover 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)
Domestic workers compensation (Only available in ACT and WA)
Mortgagee's interest for unit owners When the building containing your unit is damaged by an insured incident and the building cover falls short, we will pay up to the outstanding mortgage on your unit)

Optional Cover is available

Optional Cover is not available

Discounts and ways to save on your policy

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

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've introduced new eco-friendly features to help reduce your impact on the environment. These new features are available with Classic, 55UP, Platinum and Investor Home and Contents Insurance.

Rainwater storage solution or solar power facility

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.

3 star energy rating for white goods

New for old replacement now includes a minimum 3 star energy rating on white goods, even if your white good originally had a lower rating. This means when we replace fridges, freezers, washing machines, dryers, dishwashers and air conditioners, we replace them with a new item of equal specification and if you agree, with a minimum 3 star energy rating.

Next Steps - Classic Home and contents insurance

Get a Classic 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 such as fire, theft and storm in your suburb with our Postcode Profiler
Use our Home & Contents 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

Classic Home & Contents Insurance Product Disclosure Statement

Classic Home & Contents Insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the Product Disclosure Statement and any Supplementary Product Disclosure Statement (PDF, 2442KB) before you make any decision regarding this product. Contact us for a copy. Download Adobe Reader to view this PDF file.