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 and things to check
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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.
15% Home and Contents combined discount^
Save 15% on your policy when you combine your home insurance and your contents insurance into one policy with us.
10% online discount*
Get 10% Off Your First Year When You Buy Online!*
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.
Your property details
Double-check the property details listed on your policy. Things like the building materials and room sizes, which affect your premium. If there’s something that doesn’t seem completely accurate, or if you’ve made some changes or improvements, fixing that up may alter your premium. This may mean an increase or a decrease, but your policy will be accurate.
How much is your home and contents worth?
Not sure how much to insure home and contents for? Estimate the cost of replacing them, so you can nominate a sum insured amount you’re comfortable with.
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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Showing 2 of 4 articles
Showing 1 of 4 articles
You may have noticed your home insurance renewal price increasing. Know more about why, and which factors are and aren’t within your control.
Need to make a home insurance claim without receipts but not sure if you can? Luckily, there are multiple ways of proving ownership.
Poor home maintenance can affect the outcome of any potential home insurance claims. But there are a few things you can do to stay on top of your home maintenance.
FAQs
We provide cover for carpets under GIO Contents Insurance, but not GIO Home Building Insurance.
Safety net home protection – included in GIO Classic Extras and GIO Platinum home covers – provides a further percentage of the home sum insured toward the cost of repairing or rebuilding your home if the costs exceed your sum insured.
If your claim is covered we will pay up to a further percentage of the home sum insured towards either:
- repair or rebuild of the home by our builder, when our builder is repairing or rebuilding
- the amount of our builder’s assessed quote to repair or rebuild the home, when your claim is being settled on this basis
- the amount of your builder’s assessed quote, when your claim is being settled on this basis.
See PDS for full details.
If you are renovating your home or unit, we don’t cover loss or damage caused by, connected with, or arising from, or legal liability for or caused by, connected with, or arising from building works to the home or unit or parts of the home or unit (other than the cover available under ‘Legal liability’), including any of the following:
- damage caused by cracking, collapse, or subsidence, caused fully or partially by the building works
- damage caused by storm, flood, or water entering the home or unit through any openings (whether such openings were created by you or another person) in the walls or roof or other unfinished parts of the home or unit under construction, and whether or not they were temporarily covered at the time of the damage
- theft or damage by someone who enters or leaves through an unlockable part of the home or unit that’s under construction
We also don’t cover legal liability for or caused by, connected with, or arising from building works, including construction and demolition of building structures, being carried out at the insured address where the total cost of the building works is more than $50,000.
Our Home and Contents Insurance policies do not cover new buildings during construction.
There are some building works you must tell us about. Please refer to the ‘When you must contact us’ section of the PDS for more details.
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
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.
