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Car Insurance


Renew Your NSW Green Slip

As a good driver, GIO is offering one of the lowest Green Slip prices.^


Current Offer

Free 1 year GIO Roadside Assist With a new GIO Comprehensive or Platinum Car Insurance policy *

Plus 10% off when you buy a new policy online

*Offer ends 31st July 2020. T&C’s apply.


What type of car insurance do I need?

When choosing the type of Car Insurance that suits your needs, you have two main options: Comprehensive Car Insurance and Third Party Property Damage. Within these two types, GIO offers four levels of Car Insurance cover to choose from, as well as NSW CTP Green Slip and ACT MAI Insurance. With our four levels of cover you can find the type of Car Insurance certainty you're looking for. Don't just think you're covered, know you are.

GIO - Part of the Suncorp Network

Savings, everyday!

GIO is part of the Suncorp Network, which means more for you. Download the Suncorp App now to explore everyday rewards, make claims easy, get property smart and more.




Do I need NSW CTP or ACT MAI Insurance?

It depends on whether you live in NSW or the ACT. Compulsory Third Party (CTP) Personal Injury Insurance, also known as a Green Slip, is mandatory in NSW and must be purchased before you can register your vehicle. CTP covers your liability and the liability of anyone else who drives your vehicle, for injuries caused to others in a motor accident. ACT Motor Accident Injuries (MAI) Insurance was previously known as CTP Insurance and is mandatory in ACT in order to register your vehicle. It provides cover for injury to you, your family and other road users in the event of a motor vehicle accident – regardless of who is at fault.



Optional Extras for Comprehensive Car Insurance

21 days hire car after an event

If your car can’t be driven, is being repaired or has been stolen, and your claim is accepted, we can arrange and pay for the reasonable costs of a similar make or model hire car for up to 21 days. This means you’ll be back on the road in no time – even if your car isn’t. We’ll also insure the hire car against accidental loss and damage, so you know you’re covered.

Windscreen and window glass cover

Know that if your windscreen or window glass, including sun roof, is the only damage sustained, we’ll replace it or repair the damage. This includes one excess free claim per year. Where there is a chipped windscreen, that has not cracked, and can be safely repaired, we will also cover the cost of one repair without you losing your one excess free claim.

Roadside assist

24/7 roadside assistance when you need it most.

Did you know you can add GIO Roadside Assist to your Platinum or Comprehensive Car Insurance policy? With no joining fee and from less than $95 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more.


People also ask

Car Insurance Articles

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What our customers are saying

Car Insurance is rated 4.6 out of 5 by 1651.
Rated 5 out of 5 by from Great It was good experience and it was very fast processes
Date published: 2020-07-03
Rated 5 out of 5 by from Using the GIO Online Car Insurance system Easy to do business online - got a great quotefor my car insurance.
Date published: 2020-07-01
Rated 5 out of 5 by from Experience This process was easy to do, clear in information needed and how to access information needed. Very stress free
Date published: 2020-06-19
Rated 5 out of 5 by from Simplicity Simple, straightforward and hassle free, always a pleasure insuring with GIO
Date published: 2020-06-10
Rated 5 out of 5 by from Professional Company Very easy to apply for Insurance online. Very clear website which is very easy to navigate
Date published: 2020-05-22
Rated 5 out of 5 by from Exceptional service Always a pleasure to deal with. Nothing complicated with prompt service. Have used GIO for years and will continue to do so for many more years to come. Thank you GIO
Date published: 2020-05-03
Rated 4 out of 5 by from Good Easy to process than speaking to an operator All goid
Date published: 2020-02-10
Rated 4 out of 5 by from Excellent Web Site - Easy to use I enjoyed being able to get insurance cover outside of work hours. The only suggestion I would make for improvement would be to suggest GIO show the benefit of having multiple policies et. al.
Date published: 2020-02-03
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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.

^ Low prices apply for policies starting on or after 01/09/2019 for new and late model cars, for drivers aged 30 and over and licenced for at least 2 years with a good driving record (no at-fault motor accidents in the last 2 years, have not lost more than 3 demerit points, nor incurred any License suspensions, cancellations, disqualifications or restrictions in the last 3 years). Vehicles must be a Class 1 Passenger Vehicle insured with Comprehensive or Third Party Property Damage insurance. Ask for a copy of the policy for full details. Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

Legal liability

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. 

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