Yes, learner drivers are automatically covered to drive your car under supervision and there is no need to list them on your policy. If they are at fault in an accident and you need to make a claim, an extra excess of $400 will apply in addition to any other excess.
Please note: Learner drivers are not covered under the Hire Car option.
We cover all legal accessories and modifications that are fitted to your car, apart from the following:
- custom or specialised paint work (unless it was manufactured this way)
- nitro or hydrogen fuel
- petrol turbo or supercharger
- roll bar, roll cage or racing harness.
Yes, all drivers who you expect will regularly 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 driver is inexperienced or under 25 years old, an extra excess of $400 may apply in addition to any other excess.
If you don’t list a regular driver, it may result in additional excesses, a reduction or refusal of a claim.
With GIO, you can allow us to arrange the repair of your car and have everything taken care for you, or you can choose to have repairs completed by a repairer of your choice.
If you choose your own repairer we still need to complete an assessment of your car at one of our assessment centres or repair facilities. If we agree that the quote from your repairer was reasonable we’ll authorise it and our lifetime guarantee will apply.
So, if a defect arises due to the materials used or workmanship of the repairs, even if you no longer own the car, we'll rectify the problem.
If your car is stolen, the first step is to report the theft to the police. If you are in Victoria, contact your local police station. For all other states, contact the Police Assistance line on 131 444.
Keep a record of the name of the police officer, the police station, the date reported and the report reference number.
Next, make your claim at any time online, over the phone (13 14 46) or using our GIO Claim Mate App 24 hours a day, 7 days a week.
Third Party Property Damage Insurance is optional and provides cover if you need to pay for 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, 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 accident.
GIO Platinum windscreen and window glass cover is automatically included with a GIO Platinum Car Insurance policy. When the only loss or damage to your car following an incident in the period of insurance that is covered by your policy is the windscreen or window glass (including sun roof), we cover the cost to repair or replace your damaged glass without you having to pay an excess. There is a limit of one excess-free claim in the period of insurance.
If your car is insured and involved in an incident where we agree that the driver of your car is not at fault, and you can give us the name and address of the at fault driver or the registration number of the at fault car, you will not have to pay an excess.
We do not provide cover for cars that are used for hire (including car sharing schemes like Car Next Door), monetary reward, or to transport people or goods for a fee (including for ride sharing services like Uber or Lyft, or delivery services like UberEats or Deliveroo).
This is true regardless of how much time is spent using the car for ride-sharing or delivery. If a car is used for ride-sharing or delivery and that’s not disclosed to us, then that car is involved in an incident—whether that incident occurred during such activities or not—we may refuse to pay out a claim and/or cancel the policy.