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.
We’re committed to ensuring our products and services reflect the diversity of our community.
We’re reviewing our systems as they currently only request Male and Female. If you don’t identify as Male or Female and you would like to obtain an online quote and/or policy, please select the gender you are most comfortable with to proceed, and record the quote or policy number.
If you would like for us to acknowledge your correct gender and ensure you are included in future system changes, please call us on 13 10 10 with the quote or policy number, or just call us direct for a quote.
Please note we are only able to acknowledge non-binary gender for: Car Insurance, Motorcycle Insurance, Caravan Insurance, Boat Insurance, Home & Contents Insurance, Landlord Insurance, Renters Insurance, Strata Insurance.
Other General Enquiries
What happens if I am being investigated on an insurance claim?
We are entitled to investigate your claim, to make sure your claim is genuine and falls within the scope of the policy. You will be asked to prove that you have suffered loss covered by your policy. This includes establishing that the loss occurred in circumstances consistent with the other known and confirmed evidence, and that your version of events is credible. We base this on your responsibilities to provide relevant information to assess your claim under General Insurance Code of Practice.
What relevant information will help my claim investigation?
When investigating a claim, you will typically be asked for:
- financial records including bank statements, credit card statements, loan statements, lines of credit and mortgage documents;
- information relating to the insured property, such as proof of registration and service records in a motor vehicle claim;
- telephone records; and
- criminal history or driving history where you were required to disclose this information when you purchased the policy
No, Business Insurance is a different insurance product to Workers Compensation and provides various covers including motor vehicle, public liability or property damage for your stock, contents and buildings.
For more information on the types of Business Insurance covers or to get a quote, please visit Business Insurance.
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.
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).
An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. A standard excess applies to all claims unless stated otherwise in the PDS.
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:
We help keep your details safe online with firewalls, online security measures while you’re logged in, and in-built security across all our apps. We also maintain close partnerships with key organisations such as the Australia High Tech Crime Centre and the Australian Federal Police to ensure any threats are effectively managed.