A Vehicle Identification Number (VIN) is your car’s 17 character unique identifier. A VIN can be used when tracking recalls, registrations, warranties, claims and theft. It can be located in one of the following places on your car:
- Where the corner of the dashboard meets the windshield on the driver’s side.
- On the door post (where the door latches when it’s closed) on the driver’s side.
- At the front of the engine block (under your bonnet).
- At the front end of frame behind the driver’s side tire.
- Inside of the driver’s side door jamb (where the door connects to the body of the car).
If you’re unable to locate it, you can call your dealership, give them the make and the model of your vehicle and they’ll tell you where the VIN is located. You can also check your vehicle’s registration certificate or the owner’s manual (if you have it).
If you unintentionally hit an animal, such as a kangaroo or wallaby, GIO Comprehensive Car Insurance may cover damage to your car caused by the collision. You will be insured up to the 'amount covered' of your car, or your car's 'market value’ (if you have chosen this option), which will be listed on your Certificate of Insurance.
If you’re a Third Party Property Damage or Compulsory Third Party (CTP) Insurance policy holder, you won’t be covered for any damage to your vehicle. However, if you or your passenger is injured in an accident with wildlife, CTP Insurance may cover your medical expenses. Exclusions apply. Please read your PDS for more information.
If you’re in an at-fault accident, the level of cover you’ll receive and whether you’ll be able to make a claim can depend on your level of insurance. Read your PDS for conditions and exclusions. Generally, if you have:
- CTP Insurance, does not cover damage to your vehicle or the other driver’s vehicle. You may be covered for the costs of personal injury claims made against you by other drivers, pedestrians, cyclists, passengers or property owners involved in a motor vehicle accident.
- Third Party Property Damage Insurance, you may be covered for damage caused to another person’s vehicle or property, but will not cover damage to your vehicle. If you’ve chosen Fire and Theft Cover as an optional extra, you may be covered if your car is stolen or damaged by attempted theft or fire.
- Comprehensive Car Insurance, you may be covered for any damage to your vehicle in the event of an accident, whether you’re at-fault or not.
Cover my vary from insurer to insurer or from state to state. You can find more information on what is and isn’t covered in your PDS.
Yes, learner drivers are automatically covered to drive your car under supervision and there is no need to list them on your policy.
We cover legal accessories and modifications fitted to your car, with a few exceptions.
Yes, all drivers who you expect will repeatedly drive your car should be listed, apart from learner drivers who are not required to be listed.
If you prefer to, you can choose your own repairer. However, certain approval and assessment conditions must still be met.
GIO’s Platinum Car Insurance policy automatically includes windscreen and window glass cover. Some conditions do apply.
Yes, we provide cover for cars that are used for ride-sharing.
If your car is insured and involved in an incident, and the driver of your car didn't contribute to the incident (this means that the other driver was entirely at fault), and you can give us the name and address of the at fault driver and the registration number of the at fault car, you will not have to pay an excess.
If you are unable to provide details of the at fault car at the time of lodging your claim, you will be required to pay the applicable excess.
If you have missed a monthly instalment, you can easily make a once off payment via GIO Online Services account.
We love to reward our customers with various discounts to help you save. Offers include a 10% multi-policy discount, 10% family discount, and 10% online discount. Conditions do apply.
GIO does not price match quotes from other companies, but we do offer competitive discounts and benefits that you may be eligible for.
Cancel/Renew Your Policy
Yes, there are several ways you can pay to renew your car insurance online. You can pay online using your Visa, Mastercard, or American Express, through BPAY, or by logging into your online account. The latter is useful if you want to make changes before you renew, such as setting up monthly payments, adjusting your excess, adding/removing policy extras and changing parking address or listed drivers.
I'm sorry you're thinking of cancelling! You can cancel your car insurance (excluding CTP or MAI) in your GIO Online Services or via the Mobile App. If you haven't registered, it's easy to get started. To cancel all other policies or discuss your situation further please call us on 13 10 10.
Updating Your Policy
As a GIO customer, you can conveniently add a listed driver to your policy at any time by logging into GIO Online Services. Simply log in, and select the policy you want to add the listed driver to from under the ‘My policy list’ heading. From there, select the ‘Update my policy’ tab, then click on ‘Add new driver’.
This will then prompt you to fill out the relevant information about the new listed driver you’re adding, such as their name, gender, and date of birth.
If your policy is due for renewal, you can still update your details through GIO Online Services Account. Once logged in, select your policy up for renewal and then choose the ‘Renew Policy’ option. From there, update ‘Listed Drivers’ under the ‘Listed Drivers’ heading.
View a video explanation of how to update your policy details online.
As a GIO customer, you can update your address and various other personal details conveniently online at any time by logging into GIO Online Services.
To do so, simply log in, select the policy you want to make the changes for, then navigate to the ‘Update my policy’ tab. Here you’ll find a range of options to make changes to, including the address where you park your car, contact details, how often you use your car, and more.
If your policy is due for renewal, the process is a little different. After you log into GIO Online Services Account, select your policy up for renewal and then choose the ‘Renew Policy’ option. You’ll see an option to update your ‘Parking address’ under the ‘Your Policy details’ heading.
View a video explanation of how to update your details online.