You will be eligible provided you are the first registered owner, and your car has been continuously insured under GIO Platinum cover from within 13 months of your car's purchase until the time of the total loss. Anyone who financed your car must also provide us with written consent.
Platinum Car Insurance
Car Insurance with everything you expect – and more.
Car insurance that goes above and beyond
Platinum Hire Car
Life doesn’t stop just because your car is out of action.
We’ll keep you moving with a hire car like yours after any incidents covered by your policy – with no limit on the number of days.
Lifetime new car replacement
If you're the first registered owner of a brand new car that is written-off, we’ll arrange a replacement of the same make and model.#
Choice of repairer
Your car. Your insurance policy. Your choice of repairer.
If you have a preferred repairer and we approve their quote, you can stick with them. If you don’t have a preference, we’ll take care of it.
Excess free glass replacement
Broken glass shouldn’t break the bank.
Make one excess free claim per policy period for a broken windscreen, sunroof or window.
Limits and exclusions apply. For more detail, please refer to the PDS.
More detail
What is Platinum Car Insurance?
GIO Platinum Car Insurance includes everything you'd get from our Comprehensive Car Insurance — plus some unique features and benefits.
Lifetime new car replacement – Eligibility
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.
What’s covered
What’s not covered
Your premium
Ways you can save
10% multi-policy discount
You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with GIO. These include Home Building, Home Contents, Landlord Building, Landlord Contents, and all levels of cover of Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted.
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 car insurance premium.
Increase your excess
You can lower your premium by increasing your excess on eligible policies. So, your premium will be cheaper, but you’ll face higher out-of-pocket costs if you make a claim where you’re liable to pay an excess.
10% online discount*
Save 10% on your car insurance when you buy a new policy online.
Pay annually rather than monthly
If you pay your premiums annually, you’ll pay slightly less than if you were to pay monthly. You may not be able to adjust this until your next renewal.
FAQs
People also ask
Can I choose my 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.
Are learner drivers covered to drive my car?
Yes, learner drivers are automatically covered to drive your car under supervision and there is no need to list them on your policy. If they are at fault in an accident and you need to make a claim, an extra excess of $400 will apply in addition to any other excess.
Please note: Learner drivers are not covered to drive a Hire Car obtained under your insurance policy. We also do not cover any driver under the age of 25 while driving a High-Performance vehicle. Terms and conditions apply - see the Car Insurance PDS for full details.
Am I covered for windscreen repair or replacement?
GIO Platinum windscreen and window glass cover is automatically included with our Platinum Car Insurance policy. If an incident occurs (that you’re insured for) and only your windscreen or window glass is damaged (including your sun roof), 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.
If the damage is a chipped windscreen that has not cracked and can safely be repaired, we will also cover the cost of one repair. You won’t have to pay an excess or lose your one excess-free claim under this feature for the remainder of the period of insurance.
Other ways GIO can help
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.
#You must be the first registered owner and your car continuously insured under GIO Platinum cover from within 13 months of purchase until the time of total loss. A replacement car of similar make and model must be available.
*Discount not applicable to Roadside Assist optional cover
^Discounts not applicable to GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.
~GIO Roadside Assist is an optional extra only available in conjunction with GIO Platinum or Comprehensive car insurance. Terms and conditions for coverage apply.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.
Taxi/transport cover
If you arrange your own transport you'll need to pay out of your pocket and make sure you give us the receipts for reimbursement at claim time.
Lifetime new car replacement – Eligibility
You will be eligible provided you are the first registered owner, and your car has been continuously insured under GIO Platinum cover from within 13 months of your car's purchase until the time of the total loss. Anyone who financed your car must also provide us with written consent.
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
You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with GIO. These include Home Building, Home Contents, Landlord Building, Landlord Contents, and all levels of cover of Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted.
$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 car insurance 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 can lower your premium by increasing your excess on eligible policies. So, your premium will be cheaper, but you’ll face higher out-of-pocket costs if you make a claim where you’re liable to pay an excess.
Pay annually rather than monthly
If you pay your premiums annually, you’ll pay slightly less than if you were to pay monthly. You may not be able to adjust this until your next renewal.
