GIO Roadside Assist – Terms and Conditions

On the road, driving hazards and motoring problems can happen. GIO Roadside Assist is a dedicated roadside assistance service for your car and is provided by Digicall Assist Pty Ltd, one of Australia’s largest premium roadside assistance providers, 24 hours a day, 365 days a year.

Need assistance? GIO Roadside Assist is here to help

Call GIO Roadside Assist on 1800 386 398 and have your car’s registration number and your best contact phone number handy. We’ll also ask you where your car is and what’s happened to it.

Safety first

If your car has broken down in a hazardous location, please tell us when you call us, and ensure you aren’t exposed to danger from passing traffic.

Stay with your car

Once you’ve called us, it’s vital that you remain with your car. If our provider arrives at the scene of the breakdown and your car is unattended, we will be unable to carry out any work and payment may be required for any subsequent call outs for the same incident. If you have to leave your car for safety reasons, please tell us when you call.

GIO Roadside Assist benefits and conditions

Roadside assistance

We will arrange for the rectification of the most common breakdown related problems, including inflation of a flat tyre, replacement of a flat tyre with your car’s serviceable spare and jump-starting of a flat battery where it is safe to do so and where our section ‘We won’t provide our service when’ does not apply. Where appropriate, we may provide you with practical tips or advice, on a reasonable endeavours basis, in relation to simple car operation, any safety warnings or lights that may appear or practical information about your car. However, if major parts or factory diagnostic equipment is required, your car will be transported to the nearest accredited repairer. The cost of repairs, including labour and any required parts, will then be your responsibility.

Flat batteries

If your car’s battery is flat we will jump start it or, subject to availability, arrange a replacement battery if required. Whilst we do not cover the cost of the replacement battery, we can arrange for one to be supplied as part of our service.

Emergency fuel

If your car runs out of fuel we will arrange for the delivery of enough fuel to allow you to reach the nearest petrol station. If you drive an LPG fuelled car, we will tow your car to the nearest petrol station or nearest place of safety (see Towing). The fuel delivery is free. The maximum value of fuel provided is $10. Flat tyres If you have a flat tyre, we will change it with your car’s serviceable spare wheel or transport your car to an approved tyre outlet or nearest place of safety (see Towing). Should additional services be required, these services will be your responsibility.

Flat tyres
If you have a flat tyre, we will change it with your car’s serviceable spare wheel or transport your car to an approved tyre outlet or nearest place of safety (see Towing). Should additional services be required, these services will be your responsibility.

Lost or locked keys

Where your car’s key has been lost (but not stolen), or has been locked inside your car, we will arrange for the spare key to be delivered or arrange to gain access to your car. The most we will pay for this service is $250. In the event you insist that your car be broken into, to recover keys locked inside it or for any other reason, we will not, under any circumstances, be responsible for any resultant loss or damage that occurs to your car. This break-in service may not be offered by each of our providers. This service excludes key cutting or replacement services.


If the car cannot be mobilised on the roadside, we will tow the vehicle free of charge to the nearest accredited repairer up to 20kms from the breakdown location. If there is no accredited repairer within 20kms we will tow the vehicle to the nearest accredited repairer up to 100kms from the breakdown. Please note that all additional towing costs and any repair costs (not described in ‘Roadside assistance’ above) are your responsibility, and are payable at the time of the service.

Caravan and trailer assistance

In the event that your car is towed after a breakdown, and it had been towing your caravan or trailer, we’ll cover costs to transport your caravan or trailer to the same location as your car or to the nearest place of safety (see Towing). You must tell us at the time of the original breakdown call that you’re towing, as our provider may be unable to transport both your car and the towed caravan or trailer in the single call out; you may be responsible for any further call outs and costs.

What GIO Roadside Assist doesn’t cover

We do not cover cars that are:

  • unregistered, or not in a roadworthy or well maintained condition where the condition of the car is the reason for the call out (e.g. worn out tyres, worn out brakes, defective lights or mechanical and electrical problems)
  • unattended unless organised at the time of arranging our assistance
  • not registered for Roadside Assist on our system
  • involved in any way in any form of racing or motor sports
  • modified, large or heavy enough to require a specialist or heavy haulage towing provider
  • operating as taxis, limousines, rental or hire cars (including any hire car provided to you by GIO) or for any other commercial use that’s not covered by your GIO policy
  • immobile in a workshop while being repaired or undergoing mechanical or electrical repairs at your premises
  • located in a restricted access area except where we can enter the premises and you are willing to cover any associated costs
  • located in an area that a two wheel drive recovery car cannot access by permanent road within, or from, mainland Australia or Tasmania.

We do not cover service calls that are the result of:

  • accident damage, break-in or attempted break-in of your car
  • failure to use reasonable care, e.g. repeatedly/intentionally running out of fuel
  • failure to carry out regular preventative car maintenance
  • inappropriate or inadequate maintenance or repair, whether intentional, negligent or otherwise, e.g. not replacing a failing battery
  • incorrect fuel or contaminated fuel added to the fuel tank
  • car owner or driver related faults including faults which existed prior to the purchase or addition of Roadside Assist cover
  • not following the instructions of your car’s manufacturer, repairer, GIO or us
  • inappropriate or incorrect fitting of parts or accessories
  • breakdowns that arise from any attached caravan or trailer or their couplings.

We won’t provide our service when:

  • your car has broken down or was immobilised within 24 hours of you purchasing or adding GIO Roadside Assist to your insurance policy
  • we have no service providers within 100km of your car
  • you are in an inaccessible location
  • circumstances are beyond our control, such as extraordinary delays caused by extreme weather conditions (e.g. but not limited to flood, fire, cyclone), war, strikes or other such unexpected events
  • your car is modified, large or heavy enough to require a specialist or heavy haulage towing provider
  • you, or any person with you, is acting or behaving in a manner that is inappropriate, improper, hostile, threatening, abusive or dangerous
  • the location or environment where service is requested poses a risk to the health and/or safety of our service provider.

Your responsibility for costs:

You are responsible for all costs of parts, labour and any other associated costs relating to the management and repair of your car after a breakdown. Services provided under this agreement are provided by Digicall and independent service providers arranged by them. Except for any rights which cannot be limited under the Australian Consumer Law or other legislation, GIO will not be responsible for any loss or damage arising from the actions or inactions by Digicall or its independent service providers.


The following words have these meanings throughout this document.

Accident: your car is damaged by impact or collision or malicious act of any nature, or attempted or actual theft or break-in.

Breakdown: a failure of your car which has caused it to be immobilised or become un-roadworthy or unsafe to drive in transit, due to mechanical or electrical fault. This can also be a flat tyre, flat battery, or circumstances where your car has run out of fuel or its key has been locked inside it or has been lost (but not stolen).

Accredited repairer: a motor vehicle dealer or repairer that is accredited to perform repairs to mobilise the vehicle after a breakdown.

Restricted access area: an area that is protected by security and/or other systems designed to prevent access to unauthorised people or vehicles, and includes areas which we do not have permission to enter (for example airports, sporting venues, protest or concert sites, or certain business premises).

Car: the car to which your purchased GIO Roadside Assist benefit applies, as shown on your most recent GIO certificate of insurance.

We, Us, Our: Digicall Assist Pty Ltd.

You, Your: the person or people shown as the insured on your most recent GIO certificate of insurance for your car.

Transfer or cancellation of your GIO Roadside Assist benefit: This benefit is not transferable and cannot be removed from the period of insurance once purchased. If you sell your car or cancel your GIO insurance policy, your cancellation rights are otherwise explained in your GIO Car Insurance PDS. Digicall Assist Pty Ltd does not provide any refund directly.

Important information

These terms and conditions are dated 9 November 2023. GIO Roadside Assist is provided by Digicall Assist Pty Ltd.