Comprehensive Car Insurance

Know that you have cover for damage to your car, and damage caused to other vehicles or property.

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What is Comprehensive Car Insurance?

Comprehensive Car Insurance is a type of insurance that gives you cover for damage to your car and damage caused to other vehicles and property, as well as cover for theft, fire and malicious damage. It offers more features and benefits compared to Third Party Car Insurance, so you know you’re covered when you’re on the road.

Know what’s covered

Accidental loss or damage from events such as hail, storm, flood, fire, theft, collision and impact

Malicious damage or vandalism

Up to $500 of personal property in your car

Towing and storage costs if your car isn’t safe to drive

Know what’s not covered

Legal confiscation or repossession of your car or its contents

Any structural, mechanical, electrical or electronic breakdown of your car

If your car is being used for motor sports or similar activities

Loss or damage that occurs outside Australia


For every year that you don't make an excess payable claim, we'll give you a credit on next year's premium for that car. The longer you keep your policy with us, the greater the credit – from 5% after one year up to 20% after 15 years+ of continuous GIO Platinum or Comprehensive Car Insurance.


Compare Comprehensive Car Insurance options


Our standard Comprehensive cover that’s anything but standard.

With Comprehensive cover, you’re covered for damage to your car and damage to someone else’s car or property, as well as damage caused by uninsured drivers.

It includes 2-year new car replacement if you’re the first registered owner and your new car is stolen or written off within the first two years of registration and compact car hire cover, up to 14 days, which means you’ll be back on the road in no time – even if your car isn’t.

Reasonable costs of Emergency repairs, travel and accommodation if the incident was more than 100 km from home are also available. And with a lifetime repair guarantee on all authorised repairs, you have the confidence knowing that GIO has you comprehensively covered.

Optional Covers you can add:


GIO’s highest level of Comprehensive cover, with extra benefits and features for added confidence.

With Platinum Car Insurance, your car is protected by all of our Comprehensive cover benefits, plus extra features as standard, such as windscreen and window glass cover. This means we’ll replace or repair your damaged windscreen or window, excess free+.

Lifetime new car replacement? We have you covered. And with unlimited days’ car hire (up to $90 per day), we’ll keep you on the road, so you know you can still get around. We’ll even insure the hire car against accidental loss and damage – now that’s comprehensive.


24/7 GIO 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 $90 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more. Roadside assist provides support in your hour of need, whether that’s a breakdown or locked-in keys – it’s useful to know that help is always just a phone call away. 

For help when you need it most, simply add GIO Roadside Assistance to your online quote. Already have a policy with us? Call 13 10 10 and we can help you add this to your existing policy.


Why is Comprehensive Car Insurance important?

Whether you use your car for a leisurely Sunday drive or everyday transit, life without it wouldn’t be the same. Unfortunately, accidents happen; Comprehensive Car Insurance is important because it offers you the confidence that in the unlucky event of an accident, you know that your car is covered. Unlike Third Party Car Insurance, Comprehensive covers the cost of damage to your car, as well as damage to someone else’s car or property.


Know with GIO

24/7 Claims

Claim at any time online or over the phone. You can also track the progress of your claim online.

Est. in 1927

For over 90 years GIO has helped generations of customers with our complete range of insurance products.

Lifetime repair guarantee

GIO offers a lifetime guarantee on authorised repairs – trust us to get the job done.


Ways to save on Comprehensive Car Insurance


Be rewarded with a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. GIO NSW CTP Green Slip and GIO ACT CTP insurance policy, can be included as one of the multiple policies but the discount doesn’t apply to the CTP premium.

View Terms and Conditions


What our customers are saying


People also ask

+Windscreen and window glass cover includes one excess free claim per year.

If you are eligible for more than one discount, we apply any subsequent discount to the already discounted 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.

$20 million legal liability

Provides you, or someone you authorise to drive your car, with up to $20 million to pay compensation and the associated legal costs for loss or damage your car causes to another person's vehicle or property.

Unlimited days’ hire car

If your claim’s been accepted and your car can’t be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car – one that’s a similar make and model to yours – up to $90 per day, until your car is returned to you or your claim is settled.

Please note: Learner drivers are not covered under the Hire Car option.

Lifetime new car replacement

If your car’s written off or stolen, we’ll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you’re the first registered owner of the car and it’s been insured continuously with GIO within 13 months of the purchase.

Windscreen and window glass replacement

If your windscreen or window glass – including sun roof – is the only damage sustained, we’ll replace it or repair the damage. Includes one excess free claim during the period of your insurance.

14 days car hire after an event

If your car can’t be driven, is being repaired or is stolen, and your claim’s accepted, we can arrange and pay for the reasonable costs of a compact hire car. We’ll also insure the hire car against accidental loss and damage.

Please note: Learner drivers are not covered under the Hire Car option.

Lifetime repair guarantee

If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we’ll rectify the problem.

Emergency repairs, travel and accommodation

If your car’s stolen or damaged, we’ll pay reasonable costs for emergency repairs. And if the incident was more than 100 km from home, we’ll also pay travel and accommodation costs if the car’s not roadworthy or safe to drive.

2-year new car replacement

If your car’s written off or stolen within the first two years of registration, we’ll replace it with a brand new car of the same make and model, if available, providing you’re the first registered owner of the car. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.

Malicious damage

A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.