Platinum Car Insurance

Car Insurance with everything you expect – and more.

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First Year Online Discount*

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.

What our Platinum Car Insurance customers say
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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

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.

What’s covered

  • Accidental loss or damage caused by incidents such as weather events, fire, theft, collision and more.
  • Lifetime new car replacement after a total loss, for eligible customers.
  • Hire car just like yours, for unlimited days, after any incidents covered by your policy.
  • Choice of repairer.
  • GIO Platinum windscreen and window glass cover, offering one excess free claim – including for sunroof damage – per year.

What’s not covered

  • Incorrect fuel usage.
  • Any structural, mechanical, electrical or electronic failure or breakdown of your car.
  • Loss or damage incurred while your car was used for motor sports or similar activities.

Get 10% Off Your First Year When You Buy Online!*

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Product Disclosure Statement (PDS)

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.

Learn more about the GIO multi-policy discount.

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.

Save 10% First Year Online Discount*

Get 10% Off Your First Year When You Buy 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.

More ways to save

FAQs

People also ask

Other ways GIO can help

Roadside Assist Icon - Blue

24/7 Roadside Assist

This optional cover offers the help you need, when you need it.

Includes flat batteries, flat tyres, breakdowns, lost keys and more.~

NSW CTP Icon - Blue

NSW CTP Insurance

Covers injuries caused by your vehicle in an accident for which you may be liable.

ACT MAI Icon - Blue

ACT MAI Insurance

Covers injuries caused by your vehicle in road accidents, including those to the responsible driver.

Important information

*If you’re eligible for more than one discount, we apply them in a pre-set order to the discounted premium, before government taxes and charges.
^Discount not applicable to GIO Roadside Assist, 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.

#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.

~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.

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What our customers are saying

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.

Learn more about the GIO multi-policy discount.

$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.

Save 10% First Year Online Discount*

Get 10% Off Your First Year When You Buy 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.

More ways to save