Home & Contents FAQs
Payments
There are a number of ways you can pay for your Home Insurance, including conveniently online (except for Strata Insurance).
If you’re behind on your monthly repayments, it’s important you get up to date as soon as possible, or contact us to discuss your options.
Firstly, check if your debit/credit card details are correct, which you can do by logging into your account through GIO Online Services. If you can rule that out, please contact us as soon as possible so that we can help you rectify the issue.
Quotes
To help you calculate the replacement value of your home and contents, use our Building Calculator and our Contents Calculator.
Contents are household items that you own or are responsible for and use primarily for domestic purposes. That doesn’t include items permanently attached to your home or insured address.
Common contents refer to unfixed items that are contained within the common areas of your building.
General
Safety Net Home Protection – included in GIO Classic Extras and Platinum cover – provides a financial buffer if the cost of repairing or rebuilding exceeds your sum insured.
The legal liability cover included with GIO Home and Contents Insurance does not extend to liability connected with business activities, such as leasing out rooms through short term rental services like Airbnb.
Yes, if you have a holiday home that is only for your personal use and is unoccupied for a majority of the time. If you make a claim, you will likely need to pay an unoccupied excess.
Our Home and Contents Insurance policies only apply to completed buildings that are being lived in, so we do not cover new buildings during construction. Please contact us if you’re commencing building works or renovations at your home, including demolition.
No, GIO Home and Contents Insurance does not cover loss or damage caused by insects, vermin, or rodents – including termites.
If your insured belongings are damaged or lost during transit within Australia, while they’re in commercial storage, or if they’ve been temporarily removed from your property for up 180 days, you’ll be covered.
Carpet is covered under GIO Contents Insurance, but not under GIO Home Building Insurance.
The difference is in whether or not structures and items are attached or not attached to the physical building you are insuring. Home Insurance covers your home, garages, carports, outbuildings, gates and fences, along with any permanently attached fixtures like solar panels, walls, ceilings, and floor coverings for loss or damage caused by a range of insured events at your insured address.
Whereas, Contents Insurance covers only for the loss or damage to the contents in your home caused by insured events. ‘Contents’ are household items that you own or are responsible for and use primarily for domestic purposes. These include things like furniture, furnishings, clothing, unfixed electrical goods, and appliances.
Ultimately, the level of cover you choose, and with who, is up to you. Comparing Home and Contents Insurance should be based on what you need cover for, like home, contents, combined home and contents, strata, or landlord insurance. To compare Home and Contents Insurance, you can:
- Check what is automatically covered in each policy you’re considering;
- Review any optional/additional covers available;
- Get a quote for the policy or policies you’re looking at; and
- Compare the quote and what it includes against other quotes you may have received.
Updating Home/Contents Policy
GIO customers can easily update their policy/cover by logging into GIO Online Services.
You can update your address/contact details easily by logging into GIO Online Services.
Yes, you can. To do so, please contact us.
Renew/Cancel
There are several ways to pay for the renewal of your Home Insurance, including conveniently online with your Visa/MasterCard/American Express card, through your online account, and via BPAY.
GIO Home Assist
If you have a home emergency at your insured address, we will dispatch a tradesperson for a period of up to two (2) hours to provide assistance (this is referred to as an emergency call-out).
A home emergency is a sudden and unforeseen incident that occurs to your home (but not your contents) and that requires the urgent attention of a tradesperson.
Some geographical limitations apply to availability of cover. That is, there are certain areas of Australia in which it is not currently available.
In the event of a home emergency, GIO Home Assist will be able to dispatch a plumber, an electrician, a locksmith, and/or a carpenter.
No. As part of the agreement, only a qualified GIO Home Assist Tradesperson can be used.
You are entitled to receive three emergency call-outs during the period of insurance. Additionally, if it is determined that two tradespersons are required to attend to your single home emergency, then two emergency call-outs will be deducted from your entitlement.
No, a GIO Home Assist call-out is not identified as a claim under your policy. Therefore, there is no excess payable for GIO Home Assist.
GIO Home Assist can be contacted 24 hours a day, 7 days a week. Our support team will be able to assess the emergency. Assistance will be provided as quickly as possible, but during certain hours there may be limited availability. The response time will depend on a variety of factors including severity, location, and the level of demand.
Excess-free Glass cover
This optional cover will apply in addition to the additional cover ‘Accidental breakage of glass’ which is included in the Home cover only and offers repair or replacement following accidental breakage of:
- fixed glass in windows, doors, skylights and shower screens in your home
- mirrors fixed to your home.
When you have this option and the claim is only for the accidental breakage of the glass mentioned above, we cover the cost to replace it without you having to pay an excess.
Refer to the PDS for more information.
We will also cover the frame of any window, door or shower screen, but only if necessary to enable the glass to be replaced.
Refer to the PDS for more information
No, chips and scratches (and any breakage that does not extend through the entire thickness of the damaged item) are excluded.
Refer to the PDS for more information
Yes, accidental glass breakage is automatically covered under your policy. However, when you make a claim, you will need to pay the applicable excess. When you have Excess-Free Glass cover and the breakage relates to the type of fixed glass listed in the optional cover (see question 1 and the PDS), you do not pay an excess when you make a claim.
Refer to the PDS for more information
No. Accidental breakage of glass in or of any contents is excluded under Excess-Free glass cover. It is only available with Home cover.
Refer to the PDS for more information
If you take out the Excess-Free Glass optional cover, it will appear on your Certificate of Insurance. You will need to pay extra for this optional cover.
Refer to the PDS for more information
Making a claim can be done online, 24 hours a day, 7 days a week.
No. You can only claim under Excess-free glass cover when the only damage is the accidental breakage of glass listed in the optional cover. You will need to lodge a claim for storm damage, in relation to both the roof and windows. You will need to pay any excess that applies to your policy.
You can take out the Excess-Free Glass cover as part of your Building Insurance. If you have this optional cover and a window in your home is accidentally broken (and that’s the only damage), you can claim under this option and no excess applies. Refer to the PDS for the type of fixed glass that is covered.
Remember you can only claim for the window if there was no damage before you added on the optional cover.
Refer to the PDS for more information