Car Insurance

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Buy a new Car Insurance policy online to receive a 10% online discount*

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From our bells-and-whistles Platinum Comprehensive coverage to just-the-basics Third Party Property Damage cover, we have car insurance options to suit a wide range of Australians and their needs. We also offer NSW CTP and ACT MAI Insurance, so you're covered for injuries as well as vehicle damage.

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Why choose GIO?

4.6/5 rating by real people

Our average customer rating from 1651 reviews — and counting.

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.

Know where your money goes

It's important to us that you know what you're paying for.

#24/7 claims and flexible cover: This does not apply to CTP or MAI Insurance products

Know more with GIO

Choosing third party property damage vs. comprehensive car insurance

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?

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Lifetime new car replacement insurance explained

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.

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Choosing insurance for your high performance car

Your car is your pride and joy, and choosing an insurer isn’t a decision to take lightly. We’ve put together some tips for finding the right car insurance for your pride and joy.

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OPTIONAL COVER

Optional Extras for Comprehensive Car Insurance

Up to 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. When we arrange the hire car for you, we also insure the hire car against accidental loss and damage, so you’ll know you’re covered (your normal excesses apply in the event of a claim involving the hire car).

Windscreen and window glass cover (one excess-free claim per year)

Know that if your windscreen or window glass, including sun roof, is the only damage sustained, we’ll replace it or repair the damage without the excess. We provide one excess-free claim during the period of insurance. Where there is a chipped windscreen that hasn’t cracked, and can be safely repaired, we’ll 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.

Need to register your car in NSW or ACT?

NSW CTP Green Slip Insurance

In NSW, CTP Green Slip Insurance is mandatory and must be purchased before you register your vehicle.

  • Quick online quoting
  • Automatic payment notification to RMS

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ACT Motor Accident Injuries (MAI) Insurance

In ACT, all registered vehicles are required to have Motor Accident Injuries (MAI) Insurance.

  • To choose GIO as your MAI insurer, just select GIO when you pay your motor vehicle registration.

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Disclaimer

The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873 (Loyalty Corp). 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.

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REVIEWS

What our customers are saying

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.

Lifetime new car replacement

You must be the first registered owner and your car must have been continuously insured under GIO Platinum cover from within 13 months of your car's purchase until the time of the total loss. You'll receive a replacement car of the same make and model, or similar make and model if the same isn’t available. Where that is not possible or where we agree to, we will instead pay the amount covered or what it would have cost us to replace your car, whichever is higher.

Learn more in the Product Disclosure Statement (PDS)

2-year new car replacement

If your car is stolen or damaged in an incident and we decide your car is a total loss within the first two years of registration and you're the first owner, where possible we'll replace it with a brand new car of the same make and model (or similar make and model if the same isn't available). Where this is not possible or we agree to, we will instead pay the amount covered. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.

Platinum hire car

If we have agreed to pay your claim for an incident covered by your policy and your car is damaged and cannot be safely driven or is in for repairs, you can choose to:

  • allow us to arrange and pay the reasonable hire costs of a car that is in our opinion a similar make or model to your car (or if a similar make or model is not available we will 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 benefit stops when:

  • your car is returned undamaged;
  • we repair your car and return it to you;
  • we settle your claim.

Terms and conditions apply see the PDS for full details.

Platinum hire car

If your car has been stolen, you can choose to:

  • allow us to arrange and pay the reasonable hire costs of a car that is in our opinion a similar make or model to your car (or if a similar make or model is not available we will 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 benefit stops when:

  • your car is returned undamaged;
  • we repair your car and return it to you;
  • we settle your claim.

Terms and conditions apply see the PDS for full details.

Hire car

Hire car after a no fault accident (for unlimited days) where you can provide the name, address and registration details of the other driver who was at fault.

Please note: A hire car cannot be used by learner drivers or drivers under 25. Terms and conditions apply see the PDS for full details.

Hire car after theft for up to 21 days

After theft of your car, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).

If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the lesser of:

  • the amount it would have cost us to provide you with a hire car that meets your needs using our provider, had one been available; or
  • the actual cost you incur in making alternative travel arrangements.

Conditions apply. See the PDS for more information.

Hire car after a not-at-fault incident

After an incident covered by your policy where your car is damaged and:

  • cannot be safely driven or is in for repairs; and
  • we agree you or the driver of your car were not at fault for the incident; and
  • you have provided us with the name and address of the person at fault and the registration number of their vehicle; we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).

Conditions apply. See the PDS for more information.

Choice of repairer

Emergency repairs

Cover for damage by uninsured drivers

If a vehicle driven by an uninsured driver damages your car and we agree you're not at fault, you'll be covered providing you give us the name, address and registration details of the other driver and vehicle.

Disclaimer

The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873 (Loyalty Corp). 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.

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