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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OVERVIEW

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

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 failure breakdown of your car

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

Loss or damage that occurs outside Australia

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.

LEVELS OF COVER

Compare Comprehensive Car Insurance options

Comprehensive

Our standard Comprehensive cover that’s anything but standard.

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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.

Reasonable costs of after claim expenses 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.

Platinum

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

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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..

Lifetime new car replacement? We have you covered. And with unlimited days’ car hire GIO Platinum hire car 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.

EXTRA ASSISTANCE

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.

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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.

WHY GIO

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.


OFFERS

Ways to save on Comprehensive Car Insurance

10% MULTI POLICY DISCOUNT^*

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

FAQs

People also ask

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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.

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 decide your car is 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 what it would have cost us to replace your car, 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 replacement

When the only damage to your car is the windscreen or window glass, we’ll cover the cost to repair or replace it without you having to pay an excess for the first claim in the period of insurance.

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.

21 days car hire after an event

Cover for a ‘similar make or model’ hire car for up to 21 days (up to $75/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 not 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: Learner drivers are not covered under the Hire Car option. Terms and conditions apply see the PDS for full details.

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 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.

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.