Comprehensive Car Insurance

We’ll cover you for damage to your own car, damage to other vehicles and property, and for fire, theft and malicious damage.


Current offer

 Free 12 months GIO Roadside Assist

When you purchase a new GIO Comprehensive or Platinum car insurance policy.Offer ends 30 June 2022. T&Cs apply.

24/7 claims

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

Lifetime repair guarantee

We offer a dedicated 24/7 claims service and a lifetime guarantee on authorised repairs.

Est. in 1927

We've been a trusted insurer for over 90 years.

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What our Comprehensive Car Insurance customers say
5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Overview

What is Comprehensive Car Insurance?

Comprehensive Car Insurance covers damage caused to your car, as well as damage your car may cause to other vehicles and property in an insured event. It provides broader coverage than Third Party Car Insurance, which just covers damage to other people’s property. It also offers you the flexibility to add optional covers. It’s a good way to know you’re covered on the road.

Option to choose your own repairer

You can leave it with GIO to take care of everything when arranging for the repair of your car. However, if you prefer to, you can choose your own repairer to complete the job.

If you do this, you need to obtain a quote from your repairer. After you obtain a quote from your repairer, we will need to assess your car at one of our preferred repairers. The repairs will be authorised if your repairer’s assessed quote meets industry standards and will result in your car being repaired safely and in a cost effective manner.

Our lifetime repair guarantee applies even if you choose your own repairer, as long as we authorise the repairs.

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.

$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.

Hire car after a not at fault incident

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.

What’s covered

What’s not covered

  • Legal confiscation or repossession of your car or its contents
  • Any structural, mechanical, electrical or electronic failure breakdown of your car
  • If your car is being used for motor sports or similar activities
  • Loss or damage that occurs outside Australia

Your optional covers for Comprehensive Car Insurance

21 days car hire after an event

If your car can’t be safely 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 you having to pay an 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 Assistance

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 for less than $95 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more. There is no cover for GIO Roadside Assist during the first 24 hours of adding the cover. GIO Roadside Assist Terms and Conditions apply.

Market value cover#

You can choose to insure your car for market value – which we will determine at the time of a clam – rather than a specified amount, if we agree. This option may reduce your premium. Except for the terms of this optional cover, the cover provided by your policy otherwise remains the same. 

Note: If you select this optional cover, it cannot be removed from the policy during the period of insurance.

# Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021

GIO Platinum Car Insurance

GIO Platinum Car Insurance is our highest level of Comprehensive Insurance. It's not just cover for luxury cars — it's Car Insurance for people who expect the best.

Offers

Ways you can save

10% multi-policy discount

10% online discount*

Save 10% on your car insurance when you buy a new policy online.

10% family discount*

If you’re younger than 25, and your parents are comprehensively insured with GIO, you can receive a 10% discount off your own GIO Platinum or Comprehensive Car Insurance policy.

Claims free savings

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.

$50 NSW CTP Green Slip discount*

When you combine GIO Platinum or GIO Comprehensive Car Insurance with a GIO NSW CTP Green Slip on the same car, with the same registration, you may be eligible for a $50 discount on your next GIO Platinum or GIO Comprehensive premium.

Increase your excess

You’re in control of how much you pay or save when you buy or renew your insurance premium. With a range of excess options to choose from, the more you increase your excess the lower your premium will be.

FAQs

People also ask

In the know

More about Car Insurance

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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. Any discount given will be shown on your certificate of insurance.

* Discount not applicable to Roadside Assist optional cover.

^ Discount not applicable to GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.

# Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.

**Offer ends 30 June 2022. T&Cs apply.

Market value cover#

You can choose to insure your car for market value – which we will determine at the time of a clam – rather than a specified amount, if we agree. This option may reduce your premium. Except for the terms of this optional cover, the cover provided by your policy otherwise remains the same. 

Note: If you select this optional cover, it cannot be removed from the policy during the period of insurance.

# Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021

After claim expenses

If your car’s stolen or damaged in an incident we will pay up to a total of $1000 towards:

  • emergency travel and accommodation if your car's not safe to drive and you're more than 100km away from home. 
  • emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer.
  • replacing your personal property such as clothing or electronic and telecommunication devices lost or damaged at the time of the incident.

Note: You need to provide us with all invoices and receipts

Hire car after a not at fault incident

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.

$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

Cover for a ‘similar make or model’ hire car for unlimited days (up to $100/day) when we have accepted your claim and your car is damaged and cannot be safely driven, is in for repairs (as part of your claim) or has been stolen. This policy includes hire car after theft (up to 21 days), and 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.

Lifetime new car replacement

If your car is stolen or damaged in an incident and we settle your claim as a total loss, 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), or pay you the reasonable replacement cost, no matter how old it gets, provided you’re the first registered owner of the car and it’s been insured continuously under our GIO Platinum cover from within 13 months of it first being purchased. See the PDS for full details.

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 you having to pay an 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.

21 days car hire after an event

If your car can’t be safely 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).

Lifetime repair guarantee

If we authorise the repairs, we guarantee the quality of the workmanship and materials for the life of the car. If a defect arises as a result of faulty materials or workmanship, we will 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.

New car after a total loss for cars less than 2 years old

If your car is stolen or damaged in an incident and we settle your claim as 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, we will instead pay the amount covered. 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.

Roadside Assistance

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 for less than $95 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more. There is no cover for GIO Roadside Assist during the first 24 hours of adding the cover. GIO Roadside Assist Terms and Conditions apply.

Option to choose your own repairer

You can leave it with GIO to take care of everything when arranging for the repair of your car. However, if you prefer to, you can choose your own repairer to complete the job.

If you do this, you need to obtain a quote from your repairer. After you obtain a quote from your repairer, we will need to assess your car at one of our preferred repairers. The repairs will be authorised if your repairer’s assessed quote meets industry standards and will result in your car being repaired safely and in a cost effective manner.

Our lifetime repair guarantee applies even if you choose your own repairer, as long as we authorise the repairs.

10% multi-policy discount

10% family discount*

If you’re younger than 25, and your parents are comprehensively insured with GIO, you can receive a 10% discount off your own GIO Platinum or Comprehensive Car Insurance policy.

$50 NSW CTP Green Slip discount*

When you combine GIO Platinum or GIO Comprehensive Car Insurance with a GIO NSW CTP Green Slip on the same car, with the same registration, you may be eligible for a $50 discount on your next GIO Platinum or GIO Comprehensive premium.

10% online discount*

Save 10% on your car insurance when you buy a new policy online.

Claims free savings

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.

Increase your excess

You’re in control of how much you pay or save when you buy or renew your insurance premium. With a range of excess options to choose from, the more you increase your excess the lower your premium will be.