All the benefits of our Third Party Property Damage Car Insurance, with added cover for fire and theft.
ONLINE OFFER
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Why GIO?
24/7 claims
Claim at any time online or over the phone. You can also track the progress of your claim online.
Lifetime repair guarantee
We offer lifetime guarantee on authorised repairs.
Est. in 1927
We’ve been a trusted insurer for over 95 years
OVERVIEW
Our Fire, Theft and Third Party Property Damage Insurance covers your liability for damage caused to other vehicles and property from the use of your car. It also includes cover for fire (including bushfire) and theft (and damage caused by attempted theft), hire car up to 21 days in the event of theft and personal property cover up to $1,000 for damage to contents in your car caused by fire or theft. Read the Product Disclosure Statement for details on limits, terms and conditions that apply.
Third Party Car Insurance can provide cover if you need to pay for damage your car causes to someone else’s vehicle or property. For an additional premium, it can also include cover for loss or damage to your car caused by fire or theft.
Hire car
After theft of your car that is covered by your policy, we'll arrange and pay the reasonable cost of a hire car that meets your transport needs for up to 21 days. We’ll use our provider, but if there is no hire car that meets your transport needs available within a reasonable distance of your location, we can cover reasonable hire car or alternative transport costs.
Limits, terms and conditions apply, see the PDS for full details.
Tools of trade cover
When your car is damaged in an incident related to fire, we’ll cover loss or damage to materials or equipment that you use in your current business, trade or profession (not including mobile phones or cash) up to a total of $1,500.
When your car is stolen and we’ve accepted your claim, we’ll also cover your tools of trade for theft up to a total of $1,500 but only if the tools are in your locked car or in a locked tool box that is fitted to your car.
To claim, you must have told us your car is used for business and this is shown on your certificate of insurance. You must also be registered for GST and entitled to claim an input tax credit.
Towing and storage costs
When your car is damaged in an incident and is not roadworthy, safe to drive or needs to be held in storage, we cover the cost of one tow to get your car from the scene of the incident to either our nearest repairer, another location nominated or agreed by us, or to store your car.
After claims expenses
Covers reasonable costs for emergency repairs, emergency accommodation & personal property. Up to a total limit per incident of $1,000.
When your car is stolen or damaged in an incident covered by your policy, we also cover:
$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.
Damage by uninsured drivers at fault
If a vehicle driven by an uninsured driver damages your car, and the driver of your car didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your car, but no more than $5,000 for any one incident.
Third party property damage for caravans and trailers
Covers damage your caravan or trailer causes to another person’s vehicle or property when being towed by your car.
OFFERS
We can help you save
Multi-policy discount
You'll be eligible for 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. 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.
10% First Year Online Discount*
Save 10% First Year Online Discount*
FAQs
In some circumstances, for example, if you have GIO Platinum cover or have added the ‘Hire car after an event for up to 21 days’ optional cover (available with GIO Comprehensive Car Insurance only), you may be entitled to a hire car with a ‘similar make or model’. The most we’ll pay is $100 per day under GIO Platinum cover, or $75 per day under the ‘Hire car after an event up to 21 days’ optional cover.
If your car is stolen or you have been involved in a not at fault incident, you may be entitled to a hire car that meets your transport needs. Hire car after theft is for up to 21 days (except in the case of GIO Platinum cover).
This is just a summary. Limits, conditions and exclusions apply, so please refer to the PDS for full details.
Please note: You may not be able to use the hire car for ridesharing purposes.
If your car is stolen, first you need to report the theft to the police. Keep a record of the police officer’s name, police station, date reported, and report reference number. Next, make a claim online, through our GIO App, or by calling our claims-dedicated number, 13 14 46.
Yes, we provide cover for accidental loss or damage to your personal property in the car at the time of the incident up to a total of $1,000 for any one incident.
This does not include cash, smartcards, phone cards, documents able to be cashed or traded, vouchers, tickets or money orders.
Tools of trade can be covered for up to $1,500 in total for any one incident with GIO Platinum, Comprehensive and Fire, Theft and Third Party Property Damage Insurance.
Conditions and exclusions apply, so read the Product Disclosure Statement for details.
Fire, Theft and Third Party Property Damage Insurance is optional and provides cover for damage your vehicle causes to another person’s vehicle or property. It also includes in some instances cover for fire (including bushfire) and theft (including attempted theft).
Compulsory Third Party (CTP) Insurance, known as Green Slip in NSW and MAI Insurance in the ACT, is mandatory. It covers your liability and the liability of any other driver of your vehicle for injuries caused to others (e.g. passengers, pedestrians etc) in a motor accident.
In the know
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.
Hire car
After theft of your car that is covered by your policy, we'll arrange and pay the reasonable cost of a hire car that meets your transport needs for up to 21 days. We’ll use our provider, but if there is no hire car that meets your transport needs available within a reasonable distance of your location, we can cover reasonable hire car or alternative transport costs.
Limits, terms and conditions apply, see the PDS for full details.
Towing and storage costs
When your car is damaged in an incident and is not roadworthy, safe to drive or needs to be held in storage, we cover the cost of one tow to get your car from the scene of the incident to either our nearest repairer, another location nominated or agreed by us, or to store your car.
After claims expenses
Covers reasonable costs for emergency repairs, emergency accommodation & personal property. Up to a total limit per incident of $1,000.
When your car is stolen or damaged in an incident covered by your policy, we also cover:
$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.
Damage by uninsured drivers at fault
If a vehicle driven by an uninsured driver damages your car, and the driver of your car didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your car, but no more than $5,000 for any one incident.
Third party property damage for caravans and trailers
Covers damage your caravan or trailer causes to another person’s vehicle or property when being towed by your car.
Multi-policy discount
You'll be eligible for 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. 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.
10% First Year Online Discount*
Save 10% First Year Online Discount*
Tools of trade cover
When your car is damaged in an incident related to fire, we’ll cover loss or damage to materials or equipment that you use in your current business, trade or profession (not including mobile phones or cash) up to a total of $1,500.
When your car is stolen and we’ve accepted your claim, we’ll also cover your tools of trade for theft up to a total of $1,500 but only if the tools are in your locked car or in a locked tool box that is fitted to your car.
To claim, you must have told us your car is used for business and this is shown on your certificate of insurance. You must also be registered for GST and entitled to claim an input tax credit.
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AAI LIMITED TRADING AS GIO
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. Any 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. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. In accessing the GIO site you agree to the Online Terms and Conditions.
