Provides up to $20 million to pay compensation for loss or damage to another person’s vehicle or property caused by your car if you or someone you authorise is driving.
Compare our 4 levels of cover
Our highest level of cover includes all the benefits of Comprehensive cover, plus extra features included as standard. These include unlimited days of car hire, windscreen and window cover, and lifetime new car replacement. Cover your car with the confidence that comes with GIO Platinum Car Insurance.
Covers damage to your car, including accidents and weather events such as hail, storm and flood, and damage caused to other vehicles and property. It also covers towing and storage costs to our nearest repair facility if your car’s not safe to drive. You can choose your own repairer, and you get lifetime guarantee on all approved repairs – now that’s comprehensive.
All the essentials and confidence that come with Third Party Property Damage cover, plus extra features and cover for your car against fire and theft. For example, get up to 14 days car hire if your car has been stolen, as well as lock and key replacement up to $1,000 if your keys are stolen. It’s Third Party Car Insurance know-how with some handy extras, for that bit of added security.
Covers damage your car causes to other vehicles and property with $20 million legal liability cover. Plus, you’re covered up to $5,000 for collision damage to your car by an uninsured driver who is at fault, as well as a 24/7 Australia-wide claims service so you can claim anytime, day or night. Our Third Party Car Insurance is cover for your A to B, so you can hit the road knowing you’re covered.
Yes, learner drivers are automatically covered to drive your car under supervision and there is no need to list them on your policy. If they are at fault in an accident and you need to make a claim, an extra excess of $400 will apply in addition to any other excess.
Please note: Learner drivers are not covered under the Hire Car option.
We cover all legal accessories and modifications that are fitted to your car, apart from the following:
- custom or specialised paint work (unless it was manufactured this way)
- nitro or hydrogen fuel
- petrol turbo or supercharger
- roll bar, roll cage or racing harness.
Yes, all drivers who you expect will regularly drive your car should be listed, apart from learner drivers who are not required to be listed.
Listing additional drivers can affect the price you pay for your insurance and if the additional driver is inexperienced or under 25 years old, an extra excess of $400 may apply in addition to any other excess.
If you don’t list a regular driver, it may result in additional excesses, a reduction or refusal of a claim.
With GIO, you can allow us to arrange the repair of your car and have everything taken care for you, or you can choose to have repairs completed by a repairer of your choice.
If you choose your own repairer we still need to complete an assessment of your car at one of our assessment centres or repair facilities. If we agree that the quote from your repairer was reasonable we’ll authorise it and our lifetime guarantee will apply.
So, if a defect arises due to the materials used or workmanship of the repairs, even if you no longer own the car, we'll rectify the problem.
If your car is stolen, the first step is to report the theft to the police. If you are in Victoria, contact your local police station. For all other states, contact the Police Assistance line on 131 444.
Keep a record of the name of the police officer, the police station, the date reported and the report reference number.
Next, make your claim at any time online, over the phone (13 14 46) or using our GIO Claim Mate App 24 hours a day, 7 days a week.
If you are eligible for more than one discount, we apply any subsequent discount to the already rated premium (usually before adding taxes and charges). Discounts are subject to change without notice. Minimum premiums may apply. Any discount given will be shown on your certificate of insurance.
*Discount not applicable to Roadside Assist optional cover.
^Discount not applicable to Domestic Workers Compensation optional cover.