Car Insurance FAQs

GIO Comprehensive Car Insurance provides cover for accidental damage to your car caused by collision with an animal, such as a kangaroo or wallaby (subject to the conditions and exclusions of your policy) . 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.

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 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.

GIO Platinum Car Insurance automatically includes windscreen and window glass cover. For our Comprehensive level of cover, windscreen and window glass cover can be added as an option for an additional cost.

Yes, we provide cover for cars that are used for ride-sharing.

Yes, you can pay for your car insurance online through several different payment methods.

If you cannot supply the at-fault driver’s name, address and vehicle registration number it means we will not be able to waive your excess. It does not otherwise impact the cover  under your policy or your ability to make a claim.

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.

Getting a quote online is simple – you’ll just need to fill out some information including details about the car you want to insure, how the car is used, and the main driver who will be insured.

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.

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.

If your number plate changes, please contact GIO as soon as possible.

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.