No, with GIO you can pay your insurance premium annually or monthly.
No, we only offer direct debit from either a bank account or credit card.
No, GIO does not charge any fees for credit card payments.
If your personal insurance policy has already been added to your GIO Online Services account, you can see if it’s active by selecting ‘View policy’. If you haven’t added your policy into your account, you’ll need to do so by clicking ‘Add policy’ and entering your policy details.
Please call 13 10 10 if you’re unable to add your policy to your account or if you don’t have your policy details.
Your policy number can be found on the Certificate of Insurance that you received when you purchased your policy.
It won't happen without us notifying you. We send renewal notices at least 14 days before your current policy expires, showing how much you need to pay and when the payment is due.
We're sorry you're thinking of cancelling. Before you leave, check out how you can:
You can also find help and support options on our contact and help hub.
To discuss your situation further or cancel your policy, contact us by:
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.
Yes, we reward our seniors aged 60 or over who hold a valid State Government Seniors Card with a discount on GIO Home and Contents Insurance.
GIO does not price match quotes from other companies.
Other General Enquiries
A duty to take reasonable care not to make a misrepresentation applies to Consumer Insurance Contracts. To meet this duty, it is important that you answer questions truthfully and accurately.
If you experience a problem, are not satisfied with our products or services or a decision we have made, please visit our Customer Relations & Complaints page to access more information.
Each of GIO’s insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
GIO do not offer cover notes (a form of temporary insurance covering the period between signing up for a policy and making the first premium payment).
Depending on your level of cover, you can increase your excess (the amount you must pay for each incident you make a claim for) by choosing a voluntary excess (from the range we offer, between $200 and $2,000) to reduce your premium.
A No Claim Bonus (NCB) is a discount off your comprehensive premium.
Emergency Services Levy
We (and other insurers) collect ESL to help pay for the NSW Emergency Services, including Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services.
GIO customers may find their total premium is higher than last year due to an increase in the Emergency Services Levy (ESL). This levy is also charged by other insurers in NSW. The money contributed by insurers is used to meet our funding obligations to the NSW State Government to fund vital NSW emergency services. This includes Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services whereby the NSW State Government has increased the fund required to cover these services.
Your quote, new business or renewal schedule will display the amount of ESL you are required to pay.
If you have any questions about how this might impact the cost of your insurance, please contact us.
For more information on the ESL you can: