Free Safety Net Conditions

1. The Offer is one (1) year of Safety Net Home Protection at no extra cost.

2. The Offer Period is:

a. 12.01 am (AEST) 30 September 2022 to 11.59pm (AEST) 12 January 2023 for the Contact Centre; and

b. 10.00 am (AEST) 4 October 2022 to 11.59 pm (AEST) 12 January 2023 for all other approved channels in clause 3 below.  

3. To be eligible for this Offer, you must quote and purchase a new GIO Classic Home insurance policy with Safety Net Home Protection selected via one of the following approved channels during the Offer Period and meet other requirements in these terms and conditions (“Eligible Customer”):

a. Contact Centre;

b. Online at;

c. Direct communication to Eligible Customers quoted and purchased via the unique address that is made available by the Promoter to Eligible Customers, this may be via a personalised email; or

4. This Offer is not available in conjunction with any “Double Up Now and Save” promotion or other promotional offers which may run from time to time.

5. This Offer is not applicable to GIO Classic Extras or GIO Platinum Home Insurance.

6. If you are an Eligible Customer and receive this Offer, the total premium payable for your new GIO Classic Home Insurance policy with Safety Net Home Protection selected will be discounted by the amount that would otherwise be payable for Safety Net Home Protection (“Premium Discount”).

7. This Offer is available for the first year of a new policy and not on current policies, subsequent renewals or any other changes to your policy, including a change to your level of cover mid-term.

8. After the first year, this Offer will no longer apply and you will need to pay for Safety Net Protection cover as an optional cover. You may call GIO at the time of receiving any renewal documents if you do not want Safety Net Protection cover.

8. The Premium Discount is applied to the premium before we add taxes and charges. If you are eligible for other discounts (in addition to the Offer), we will apply each discount in a predetermined order to the already discounted premium, usually before adding taxes and charges.

9. All quotes are subject to the insurer’s normal underwriting criteria.

10. The Promoter is AAI Limited ABN 48 005 297 807 trading as GIO (“GIO”). GIO Classic Home Insurance is issued by GIO. Please read the Product Disclosure Statement before buying this insurance. Go to for a copy. The Target Market Determination is also available.

11. The Promoter reserves the right to verify a customer satisfies these terms and conditions.

12. The Promoter reserves the right to vary, amend, extend, cancel, or withdraw, all or part of this Offer at any time and without notice at the Promoter’s sole discretion.