Types of Car Insurance

When choosing the type of Car Insurance to suit 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 CTP Insurance, which is a requirement in NSW and the ACT. 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.

Customers rate our Car Insurance



Savings, Everyday!

Because GIO is part of the Suncorp Network, eligible customers can access Suncorp Benefits for up to 15% savings on everyday items.

Find out more   

Do you need CTP Insurance?

Compulsory Third Party Insurance (CTP), also known as Green Slip insurance in New South Wales, is insurance attached to the registration of your vehicle. It provides protection to the at fault driver against compensation claims from people injured in a motor vehicle accident. CTP is required by all drivers in NSW and the ACT in order to register their vehicles.



Optional Extras for Comprehensive Car Insurance

21 days hire care 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.

Car Insurance Articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles


People also ask



What our customers are saying

Car Insurance is rated 4.6 out of 5 by 1640.
Rated 5 out of 5 by from Quick, Easy & Good Value Very easy online process. Great features and options. Good value. Trusted company.
Date published: 2019-05-14
Date published: 2019-04-17
Rated 3 out of 5 by from easy to join replacement car for life great.since through no fault of mine my car was totaled and I ended out of pocket with my last famous insurer
Date published: 2019-04-09
Rated 5 out of 5 by from VERY EASY I got online put my details in an bingo Im insured
Date published: 2019-03-31
Rated 5 out of 5 by from EASY TO FIND WEBSITE easy website to navigate around to find product which suited my needs
Date published: 2019-03-22
Rated 5 out of 5 by from Very good features Your online quote was great easy to fill in so much better than all the others I attempted and the cheapest as well wonderful
Date published: 2019-03-15
Rated 5 out of 5 by from Great website Your website was easy to nagivate for someone like me who is not that computer savvy.
Date published: 2019-01-28
Rated 5 out of 5 by from So easy to do on line I am a senior and consider myself computer illiterit, however I gained much confidence from the simplicity of enacting business on your website, well done!
Date published: 2019-01-14
Rated 5 out of 5 by from Easy to use & a great offer My partner and I have a current policy and recently had a policy paid out after an accident and everything was easy and GIO were great with help.
Date published: 2019-01-10
Rated 5 out of 5 by from Easy to use. Comprehensive insurance for new motor vehicle. Have used Platinum before, liked the features so went again for the new vehicle. Website is excellent and so is the interaction with it.
Date published: 2018-11-19
Rated 5 out of 5 by from Easy to transact with Just insured online, easy and excelent website and great options to choose from
Date published: 2018-08-30
Rated 5 out of 5 by from Good service and pricing I have been with GIO for a number of years and always compare when renewal comes around. I have still not found anyone else that has the service, features and pricing I require so I am quite happy to remain a customer.
Date published: 2018-08-01
Date published: 2018-06-29
Rated 1 out of 5 by from Efficient and knowledgeable staff over the phone Excellent customer service encouraged my to switch car insurance providers across to GIO.
Date published: 2018-06-15
Rated 5 out of 5 by from great value I found it to be good value , being retired I have to watch my finances .
Date published: 2018-06-15
Rated 5 out of 5 by from Fantastic features Have always had good service from gio and would reccomend to others
Date published: 2018-06-14
Rated 5 out of 5 by from Super easy I was looking for comprehensive insurance cover for the car we bought, the online process was so easy and the price was reasonable so we ended up also moving our other car insurance from another provider to GIO. Only area that would be easier if we could enter rego and it automatically fills in everything about the car based on what’s with RMS.
Date published: 2018-06-13
Rated 5 out of 5 by from Very good Thankfully I've never had to make a claim. It seems to be extremely good value for money considering the price of other insurers.
Date published: 2018-06-12
Rated 5 out of 5 by from Car Insurance Great policy and quite unique. Good inclusions. Great value and price.
Date published: 2018-06-12
Rated 5 out of 5 by from Great features This is the best company in the world, you’s are mad
Date published: 2018-06-12
Rated 4 out of 5 by from Buying policy Very simple process with good flexibility and easy to buy online
Date published: 2018-06-12
Rated 5 out of 5 by from Easy to use Great simple way to insure items, cheaper than all other competitors, value for money
Date published: 2018-06-11
Rated 5 out of 5 by from Great quoting system and friendly customer service staff Renewing my car insurance for the second year and found pricing reasonable
Date published: 2018-06-09
Rated 4 out of 5 by from Easy to get It was really easy to get and great featured insurance.
Date published: 2018-06-09
Rated 5 out of 5 by from easy good deal, easy to navigate site and simple to use
Date published: 2018-06-09
Rated 4 out of 5 by from Good Stuff! User friendly process, great options! GIO is by far the cheapest and all around value for Money insurance.
Date published: 2018-06-09
Rated 4 out of 5 by from very easy to navigate this was very easy site and easy to use and navigate around
Date published: 2018-06-08
Rated 5 out of 5 by from Quick and Easy! It was very easy process to buy comprehensive car insurance and also having the live chat feature was very helpful! You were also the best price in the market!
Date published: 2018-06-08
Rated 4 out of 5 by from Great choice I It's first time with GIO ,and I am so happy with this helps. Thank you. .
Date published: 2018-06-07
Rated 5 out of 5 by from Great cover at affordable prices After spending hours looking at different insurer's I found GIO Fast, easy, great cover at affordable price
Date published: 2018-06-07
  • y_2019, m_10, d_14, h_6
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.13
  • cp_2, bvpage2n
  • co_hasreviews, tv_13, tr_1627
  • loc_en_AU, sid_in.gio.car.buy.allTime, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_gio
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 614ms

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.

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. Visit 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. 

Got a question?

Ask the GIO Virtual Assistant