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No, with GIO you can pay your insurance premium annually or monthly.
No, only direct debit is available for monthly payments.
No, GIO does not charge any fees for credit card payments.
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.
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
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.
We began to remove ESL from insurance premiums during the 2016-2017 financial year. However, on 30 May 2017 the NSW State Government announced the deferral of the introduction of ESL (or the “FESL”) on council rates (therefore deferring the removal of the ESL from insurance premiums). As a result, we began to reintroduce ESL charges on relevant insurance premiums in late 2017.
Customers may find their total premium is higher than last year due to the reintroduction of ESL. This levy is also charged by other insurers in NSW however each insurer decides its own rate for ESL. The money contributed by insurers is used by the NSW State Government to fund vital emergency services.