GIO is a part of the Suncorp Group, and the contact details for service of legal documents (including writs, subpoenas, and garnishee orders) are the same across the Group.
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Discounts we offer
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10% 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. View T&Cs.
$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 premium.
10% family discount*
If you’re younger than 25, and your parents are comprehensively insured with GIO, you can receive a 10% discount off your own GIO Platinum or Comprehensive Car Insurance policy.
Take control - Things to check
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Your excess
You can choose to lower your premium by increasing your excess within a range we set. This means your premium will be cheaper, but you’ll face higher out-of-pocket costs in the event of a claim. It’s up to you to decide on a balance that suits your needs.
Payment frequency
If you pay your premiums annually, you’ll pay less than if you were to pay in monthly instalments for the same period.
Kilometre driven
Consider how many kilometres you are driving each year. It might be less than what you originally told us. If so, you can adjust your kilometres driven, which may reduce your premium.
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.
Review your optional covers
Check the optional covers you have selected still meet your needs. Adding or removing an optional cover can impact the premium you pay.
Roadside assist
Roadside Assist is only available as an optional cover with GIO Platinum or Comprehensive Car Insurance.
If you have GIO Roadside Assist on your policy and need help call us 24/7 on 1800 386 398.
Ways to get in touch
Messenger
8am - 9pm, 7 days (except national public holidays)
9am - 5pm national public holidays
Message GIO at your own pace with the GIO App
GIO Messaging is a convenient way to get the support you need, without the hassle of waiting by the phone.
Get in the know
Know more
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Take some time to understand your Car Insurance policy, and what you’re covered for, to potentially save money and ensure you have the level of coverage that’s right for you.
A broken down vehicle in the midst of a road trip is absolutely no fun. Here are some suggested car emergency kit essentials to pack before setting off on your next road trip.
Auction houses are taking car auctions online — and they’re easier to navigate than you think. Check out this handy guide for tips on how to bid and prepare.
FAQs
Yes, all drivers who will repeatedly drive your car should be listed, apart from learner drivers who are not required to be listed. Listing additional drivers can affect the price you pay for your insurance and if the additional drivers are inexperienced (aged 25 or over and licenced for less than two years) or under 25 years old, an extra excess of $400 will apply in addition to any other excess in the event of a claim.
Although learner drivers do not need to be listed, in the event they are driving, using or in charge of your vehicle (and at-fault) at the time of an incident, the relevant additional age or inexperienced driver excess will apply.
If you don’t list a person who repeatedly drives your car, it may result in a higher excess applying at the time of a claim and/or a reduction of or refusal of a claim.
Third Party Property Damage Insurance is optional and provides cover if you’re liable for loss or damage your vehicle causes to another person's vehicle or property.
Whereas Compulsory Third Party (CTP), also known as Green Slip insurance in New South Wales and MAI Insurance in the ACT is compulsory in order to register any vehicle in NSW and the ACT. It covers your liability to pay compensation for injuries to people if the driver of your vehicle was at fault in the motor accident.Learn more about CTP green slips or ACT MAI
If you’ve been involved in an accident, you can make a claim online . You can also click through to read a more comprehensive, step by step guide to help you deal with it.
If you prefer to, you can choose your own repairer. However, certain approval and assessment conditions must still be met.
GIO Platinum Car Insurance includes windscreen and window glass cover. With GIO Comprehensive CAR INSURANCE, windscreen and window glass cover can be added as an optional cover for an additional cost.
Important Information
If you are eligible for more than one discount, we usually apply any subsequent discount to the already discounted premium.
Minimum premiums may apply and any discount we give you will not reduce a premium below the minimum premium.
* Discount no applicable to Roadside Assist optional cover.
^ Discounts not applicable to GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.
Extra help and support
We understand that sometimes our customers need extra care and support at different points in their lives. We also know that everyone’s situation and needs will be different. We are committed to looking after your needs with sensitivity, dignity, respect and compassion. Find out more
Market value cover#
You can choose to insure your car for market value – which we will determine at the time of a clam – rather than a specified amount, if we agree. This option may reduce your premium. Except for the terms of this optional cover, the cover provided by your policy otherwise remains the same.
Note: If you select this optional cover, it cannot be removed from the policy during the period of insurance.
# Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021
Roadside Assistance
24/7 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 for less than $95 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more. There is no cover for GIO Roadside Assist during the first 24 hours of adding the cover. GIO Roadside Assist Terms and Conditions apply.
Roadside Assistance
Available 24/7 for customers who have added the GIO Roadside Assist optional cover to their Comprehensive and Platinum Car Insurance policy.
Did you know you can add GIO Roadside Assist to your Platinum or Comprehensive Car Insurance policy? With no joining fee and for less than $95 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more. There is no cover for GIO Roadside Assist during the first 24 hours of adding the cover. GIO Roadside Assist Terms and Conditions apply.
* Roadside Assist services are available 24 hours after purchasing or adding the cover to your insurance policy
