Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.
Car Insurance
From Comprehensive and Platinum cover to our Third Party Property Damage, GIO offers car insurance options designed to suit a range of needs.
Get GIO, Great Insurance, Obviously.
Why choose GIO?
Flexible cover options#
Choose the level of cover you need, and pay annually or monthly.
24/7 claims#
You can lodge a car insurance claim at any time, online or over the phone.
Lifetime repair guarantee
We offer a dedicated 24/7 online claims service and a lifetime guarantee on authorised repairs.
#24/7 claims and flexible cover: This does not apply to CTP or MAI insurance products. When your premiums are paid upfront annually it is cheaper. Should you choose to pay monthly, a higher premium is charged.
What is car insurance?
Car insurance can cover you financially for a range of insured events depending on your level of cover and the conditions, limits and exclusions that may apply. By agreeing to a contract with your insurer, and paying a premium, you can choose coverage based on your policy type and needs. Depending on the policy this can include:
- Damage to your car or other people’s property.
- Medical expenses for injuries, if covered under your CTP insurance.
- Legal fees if you're sued after an accident.
Explore types of GIO Car Insurance
GIO Platinum cover
GIO Platinum cover provides GIO’s highest level of car insurance cover. It includes features such as new car replacement if your car is written off in the first two years, accidental damage cover and platinum car hire.**
Comprehensive cover
GIO Comprehensive cover provides comprehensive car insurance for your vehicle, including accidental loss or damage, and can include cover for incidents such as fire, theft, and vandalism. It includes benefits such as a lifetime repair guarantee and choice of repairer, as well as the option to add optional extras.**
Fire, Theft & Third Party Property Damage cover
GIO Fire, Theft & Third Party Property Damage insurance can cover your car for loss or damage caused by fire and theft, and damage you may cause to other people's property. It also includes benefits such as a lifetime repair guarantee and 24/7 Australia-wide claims service.**
Third Party Property Damage cover
GIO Third Party Property Damage can cover you if your vehicle causes damage to someone else's car or property. It also includes cover for damage caused by uninsured drivers (up to $5,000), giving you added security on the road.**
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Get an eligible Home or Motor Insurance quote online and submit the entry form to go in the draw.
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Compare car insurance options
From our bells-and-whistles Platinum Comprehensive cover to just-the-basics Third Party Property Damage cover, we have car insurance options to suit a wide range of Australians and their needs.
Need to register your car in NSW or ACT?
Five ways to manage your car insurance premium
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1. Understand your car insurance premium
Your car insurance premium is based on factors such as your driving history, the type of car you drive, where it’s kept, the drivers listed on your policy and historical claims data. Changes to these details may affect the amount you pay. Learn more about managing your premium here.
2. Buy your policy online
If you’re new to GIO, you may be eligible to save 10% when you buy your car insurance policy online.*
3. Review your policy details
Regularly reviewing your policy can help ensure it reflects your current circumstances. Check that your car details, address, financing details and listed drivers are accurate. If you’ve paid off a car loan or there are changes to who regularly drives your car, update your policy accordingly.
4. Consider your excess
Choosing a voluntary excess may reduce your premium if you have comprehensive car insurance. Keep in mind that if you make a claim, the voluntary excess is paid in addition to any standard excess that may apply. You can't add a voluntary excess with Third Party Property Damage cover or Fire, Theft & Third Party Property Damage cover.
5. Consider your driving habits
How much you drive may affect your car insurance premium. If your driving habits have changed since you first took out your policy and the number of kilometres you drive is different, make sure your policy reflects this.
Learn about our great insurance products
FAQs
People also ask
With GIO Comprehensive Car Insurance, learner drivers are insured when driving your car under supervision. There is no need to list a learner driver on your policy while they are driving with a learner’s licence.
We cover legal accessories and modifications fitted to your car, with a few exceptions. Contact us for more information.
These exclusions include:
- 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 will repeatedly 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 drivers are inexperienced (aged 25 or over and licenced for less than two years) or under 25 years old, an extra excess of $400 will apply in addition to any other excess in the event of a claim.
Although learner drivers do not need to be listed, in the event they are driving, using or in charge of your vehicle (and at-fault) at the time of an incident, the relevant additional age or inexperienced driver excess will apply.
If you don’t list a person who repeatedly drives your car, it may result in a higher excess applying at the time of a claim and/or a reduction of or refusal of a claim.
If you prefer to, you can choose your own repairer. However, certain approval and assessment conditions must still be met.
If you’ve been involved in an accident, you can make a claim online . You can also click through to read a more comprehensive, step by step guide to help you deal with it.
We’ve made getting a quote online as simple as possible. Expect to fill out information about:
- the car you want to insure, including the make, model, and year the car was manufactured
- how the car is used, including how many kilometres per year it does on average
- the address in which the car is usually kept overnight and during the day
- details of all regular drivers
- if your car is financed
- insurance and claims history
If you need assistance throughout the quote process, you can chat online with one of our agents or give us a call on 13 10 10 during operating hours.
As a GIO customer, you can conveniently add a listed driver to your car insurance policy at any time by logging into GIO Online Services. Simply:
- log in
- select the relevant policy from the ‘My policy list’ you want to add the driver to
- select the ‘Update my policy’ tab
- click on ‘Add new driver’.
This will then prompt you to fill out the relevant information about the new listed driver you’re adding, such as their name, gender, and date of birth. Doing this may change your premium and any increase or decrease will be shown after updating the driver details.
If your policy is due for renewal, you can still update your details through GIO Online Services.
Once logged in:
- select your policy up for renewal
- choose the ‘Renew Policy’ option
- update ‘Listed Drivers’ under the ‘Listed Drivers’ heading.
Note that the driver will be added from your renewal date. If you want them added immediately, please chat to us or call us on 13 10 10.
View a video explanation of how to update your policy details online.
The type of cover you have will determine if you’ll be able to make a claim for the damage to your vehicle or not. Read your PDS for limits, conditions and exclusions. Generally:
- GIO Platinum cover and Comprehensive cover for your car provides cover for accidental loss or damage to your vehicle in the event of an accident, whether you’re at-fault or not.
- With Third Party Property Damage cover you’re not covered for loss or damage to your vehicle if you’re at fault, however you are covered for this with a Fire, Theft & Third Party Property Damage policy. You may be covered for damage to your vehicle for up to $5,000 if the other driver is entirely at fault and uninsured. You will need to provide us with their name, address and vehicle registration number.
- NSW CTP Insurance and ACT MAI Insurance does not cover damage to your vehicle or the other driver’s vehicle. You may be covered for the costs of personal injury claims made against you by other drivers, pedestrians, cyclists, passengers or property owners involved in a motor vehicle accident.
You can find more information on what is and isn’t covered by car insurance in your PDS.
If you or the driver of your vehicle didn’t cause or contribute to the accident (this means the other driver was entirely at fault), and you cannot supply the at-fault driver’s name, address and vehicle registration number we will not be able to waive your excess until that information is provided. Otherwise, an excess may be payable. It does not otherwise impact the cover under your policy or your ability to make a claim.
As a GIO customer, you can update your address and other personal details conveniently online by logging into GIO Online Services at any time. at any time.
To do so, simply:
- log in
- select the policy you want to make the changes for
- navigate to the ‘Update my policy’ tab.
Here you’ll find a range of things you can make changes to, including where you park your car, contact details, how often you use your car, and more.
If your policy is due for renewal, the process is a little different. After you log into GIO Online Services:
- select your policy up for renewal
- select ‘Renew Policy’
- navigate to ‘Your Policy details’
- select ‘Parking address’ to make your changes.
The updates will only be effective from your renewal date. If you want your details to be updated immediately, please chat to us or call us on 13 10 10.
Important information
*Discount is applied before government taxes and charges. Discount does not apply to Roadside Assist, GIO Home Assist or Excess-free Glass optional covers, if applicable.
**Subject to policy terms, limits and exclusions, Refer to PDS for more information.
Learn more about GIO Car Insurance
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Whether it’s a small bingle or major accident, car insurance can help to make sure you’re covered on the road. But what’s the difference between comprehensive and third party car insurance, and which option is best for you?
Are you a car lover and want to hold onto your baby forever, even after a write-off? Learn how our lifetime new car replacement insurance can help.
If you drive on Australian roads, you’ve likely heard about CTP or MAI Insurance. But what is it and what does it cover? Read this guide to learn more.
There are a few different types of car insurance excess — know more about which types might apply to you.
Platinum hire car included
Hire car of a similar make or model, for unlimited days after any incidents covered by your policy, if your car is damaged and cannot be safely driven or is in for repairs or has been stolen. You can choose to:
- allow us to arrange and pay the reasonable cost of a hire car that is a similar make or model to your car (or if a similar make or model is not available you can choose an alternative equivalent car) using our provider (but only if our provider has a car available, and is within a reasonable distance of your location); or
- arrange a hire car using a provider of your choice.
The most we will pay is $100 per day. The cover stops when:
- your car is returned undamaged;
- we repair your car and return it to you;
- we settle your claim.
Please note: A hire car cannot be used by learner drivers. Terms and conditions apply, see the PDS for full details.
Optional covers
Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.
