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.

The type of cover you have will determine if you’ll be able to make a claim for the damage to your vehicle or not. Read your PDS for conditions and exclusions. Generally, if you have:

GIO Platinum and Comprehensive Car Insurance provide cover for accidental loss or damage to your vehicle in the event of an accident, whether you’re at-fault or not.

If you have Fire, Theft & Third Party Property Damage or Third Party Property Damage cover, you’re not covered for loss or damage to your vehicle if you’re at fault. You may be covered for damage to your vehicle for up to $5,000 if the other driver is entirely at fault, uninsured and you can provide us their name, address and vehicle registration number.

NSW CTP Insurance and ACT MAI 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.

You can find more information on what is and isn’t covered by Car insurance in your PDS.

With GIO Comprehensive Car Insurance, learner drivers are insured when driving your car under supervision. There is no need to list a learner driver on your policy while they are driving with a learner’s licence.

We cover legal accessories and modifications fitted to your car, with a few exceptions.

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. 

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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.

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.

If an incident occurs that is covered by your policy and only your windscreen or window glass is damaged (including your sun roof), we’ll help cover the cost to repair or replace it without you having to pay an excess for the first claim in the period of insurance.

Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.

Yes, we provide cover for cars that are used for ride-sharing. Ride-sharing is when the owner of the car, or a driver listed on the policy, drives the car to provide trips or journeys for passengers for a fee. The arrangement can be made via a website, app or other means.

Taxis, hire cars or cars used in car sharing schemes are not treated as ride-sharing.

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If you cannot supply the at-fault driver’s name, address and vehicle registration number we will not be able to waive your excess until that information is provided. Otherwise, an excess may be payable. 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 currently available are:

• 10% multi-policy discount*^ – if you hold three or more eligible policies with us, you can enjoy a 10% discount on your premiums. GIO NSW CTP Green Slip and ACT MAI Insurance count as one of the eligible policies, but the premium for these policies cannot be discounted. View full T&Cs.
• 10% family discount* – anyone younger than 25 years old, whose parents are comprehensively insured with GIO, can receive a 10% discount off their own Platinum or Comprehensive Insurance
• Get 10%* Off Your First Year When You Buy Online!
• Claims free savings – every year you don’t make an excess-payable claim, you earn a credit on the following year’s premium for that same car. The credit grows every year, starting from 5% after the first year and growing up to 20% after 15+ years

View all available GIO Car Insurance policy discounts as well as the relevant terms and conditions.

^*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.

We’ve made getting a quote online as simple as possible. Expect to fill out information about:

• the car you want to insure, including the make, model, and year the car was manufactured
• how the car is used, including how many kilometres per year it does on average
• the address in which the car is usually kept overnight and during the day
• details of all regular drivers
• if your car is financed
• insurance and claims history

If you need assistance throughout the quote process, you can chat online with one of our agents or give us a call on 13 10 10 during operating hours.

LEARN MORE ABOUT CAR INSURANCE

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, changing parking address or listed drivers and more. Refer to page 13 of the PDS to find out when you need to contact us.

I'm sorry you're thinking of cancelling! You can cancel your car (excluding CTP or MAI), home or landlord insurance via the GIO virtual assistant. It's easy to get started, cancel your policy.

For all other policies, find help and support on our contact and help hub about cancelling.

If you do cancel, you may qualify for a refund of the unexpired portion of the premium less any non-refundable government charges. Minimum refunds apply. Contact us to learn more about policy cancellation refunds.

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. Doing this may change your premium and any increase or decrease will be shown after updating the driver details.

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. Note that the driver will be added from your renewal date. If you want them added immediately, please chat to us or call us on 13 10 10.

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 things you can 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. The updates will only be effective from your renewal date. If you want your details to be updated immediately, please chat to us or call us on 13 10 10.

View a video explanation of how to update your details online.