If your car's written off or stolen within the first two years of registration, we'll replace it with a brand new car of the same make and model, if available, providing you bought it new. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.
Motorcycle Insurance
Whether you’re covering a motorcycle, cruiser, tourer, sports bike, or city scooter, stay in control with Motorcycle Insurance.
Compare Motorcycle Insurance options
Choose between three levels of flexible cover to best suit your needs.
GIO provides
|
Cover options |
Third Party Property Damage Motorcycle Insurance |
Fire, Theft and Third Party Property Damage Motorcycle Insurance |
Comprehensive Motorcycle Insurance |
|
|
after fire or theft |
|
|
|
|
after fire or theft |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
after fire or theft |
|
|
|
|
|
|
|
|
up to $5,000 |
up to $5,000 |
up to your amount covered |
Included features
|
Cover options |
Third Party Property Damage Motorcycle Insurance |
Fire, Theft and Third Party Property Damage Motorcycle Insurance |
Comprehensive Motorcycle Insurance |
|
|
|
|
|
|
|
after fire or theft |
|
|
|
|
|
|
|
|
|
after fire or theft |
|
|
|
|
up to $500 after fire or theft |
up to $500 |
|
|
|
up to $2,000 after fire or theft |
up to $2,000 |
|
|
|
|
|
|
|
|
|
up to $1,000 |
HERE TO HELP
Need to register in NSW or ACT?
NSW CTP Green Slip Insurance
In NSW, CTP Green Slip Insurance is mandatory and must be purchased before you register your vehicle.
- Local claims team
- Automatic payment notification to Transport for NSW (TfNSW)
ACT Motor Accident Injuries (MAI) Insurance
In the ACT, all registered vehicles are required to have Motor Accident Injuries (MAI) Insurance.
- To choose GIO as your MAI insurer, just select GIO when you pay your motor vehicle registration.
WHY GIO
Reasons to choose GIO
24/7 Claims
Make your claim at any time online or over the phone (13 14 46) and for comprehensive customers make your claim and track your claim online - 24 hours a day, 7 days a week.
Lifetime repair guarantee
GIO offers a lifetime guarantee on authorised repairs - trust us to get the job done.
No excess
If the rider of your motorcycle didn't contribute to the accident (this means that the other driver was entirely at fault), we'll waive the excess if you provide the name, address and vehicle registration number of the at-fault driver.
2 year new car replacement
Lifetime new car replacement
If your car's written off or stolen, we'll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you bought it new, and it's been insured continuously with us within 13 months of the purchase.
Compact hire car after all events
Enjoy the convenience of a hire car for up to 14 days if your car can't be driven, is being repaired or is stolen. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Unlimited days hire car
If your claim's been accepted and your car can't be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car, up to $90 per day, that's a similar make and model to yours until yours is returned to you or your claim is settled. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Windscreen and window glass cover
If your windscreen or window glass, including sun roof, is the only damage sustained we'll replace or repair the damage. Includes one excess free claim per year.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.
Emergency repairs, travel and accommodation
If your car's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your car's stolen or damaged by fire, we'll pay reasonable costs for emergency repairs and if the incident was more than 100km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Amount covered
This is the amount you insure your motorcycle for.
Included Contents cover
Covers items you own or are legally responsible for when they are in your caravan, annexe or in your garden shed if you have on-site only cover.
Contents are things like your fridge and other portable household electrical appliances, clothing, laptops, cameras, jewellery, fishing equipment and bicycles. It doesn’t include things like your mobile phone, or tent.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged by fire (including bushfire), we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Legal liability
Provides up to $10 million to pay compensation for death or injury to other people, or loss or damage to their property that you’re held legally responsible for.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your car if you or someone you authorise is driving.
Legal liability
Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we'll rectify the problem.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the caravan. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident for example, graffiti or vandals damaging your boat.
Motor burnout
Covers motors in household equipment and appliances under 15 years old if they burnout due to an electrical current in your caravan or annexe. This includes the motor in things like your fridge and air conditioning.
New boat replacement
If your boat hull, motor or trailer is a write off and is less than 2 years old, we’ll pay the costs to replace it with a new one of the same, or similar, model or specification.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
New motorcycle after a total loss for motorcycles less than 2 years old
If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.
Personal property
Covers accidental damage and loss up to $500 to personal items like your mobile phone, laptop or clothing stored in a secure compartment on your motorcycle. It doesn’t include cash, jewellery, tools and other items used for work.
Hire car after theft for up to 21 days
After theft of your motorcycle, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).
If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
- in hiring a car that meets your transport needs; or
- in arranging alternative transport.
Limits, terms and conditions apply, see the PDS for full details
Temporary accommodation
If your caravan cannot be lived in we’ll pay up to $150 per day for:
- up to 30 days if the caravan is your usual home
- up to 14 days if you were living in the caravan more than 100 km away from your usual home
- up to 3 days if you were living in the caravan within 100 km of your usual home.
We will also pay up to $300 in total to accommodate any domestic pet travelling with you.
Vet expenses
If your domestic pet is injured after being hit by a vehicle we’ll pay the veterinary expenses, up to $500 as long as the pet was travelling or living in your caravan.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your caravan if you or someone you authorise is driving.
Annexe cover
Extend your insurance to include your annexe when it's being used as accommodation with this optional cover
Increased contents cover
With GIO Caravan Insurance, your contents are covered up to $1,000 as standard (sub-limits apply). You can increase the amount covered for your contents by adding this optional cover.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
Note: the reference to 'caravan' means the trailer or horse float which you have insured.
Accidental Loss or Damage
We'll cover you for accidental loss or damage from incidents such as hail, storm, flood, fire, theft, collision and impact.
Discounts we offer and things to check
Showing of
10% multi-policy discount*^
You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. View T&Cs.
No claim bonus
A no claim bonus is a discount that rewards you for your good claims history. For every year that you don't make an excess payable claim, we'll give you a discount on next year's premium up to a maximum of 60%.
Your address
If you’ve recently moved, ensure you reflect this in your policy to make sure you are properly insured. Even if you’re only insuring your contents, it’s important to make sure your policy is accurate since that location’s level of risk will affect your premium. This adjustment may reduce or increase your premium, but you’ll ensure you’re not at risk of having a claim reduced or refused.
Payment frequency
If you pay your premiums annually, you’ll pay less than if you were to pay in monthly instalments for the same period.
Your excess
You can choose to lower your premium by increasing your excess within a range we set. This means your premium will be cheaper, but you’ll face higher out-of-pocket costs in the event of a claim. It’s up to you to decide on a balance that suits your needs.
Frequently Asked Questions
If your motorcycle is stolen, first report it to the police, then make a claim online with GIO.
With GIO, you can allow us to arrange the repair of your motorcycle and have everything taken care for you or you can choose to have repairs completed by a repairer of your choice.
Looking for more detail? Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
Important Information
If you are eligible for more than one discount, we usually apply any subsequent discount to the already discounted premium. Minimum premiums may apply and any discount we give you will not reduce a premium below the minimum premium.
*Discount not applicable to Roadside Assist optional cover.
^Discounts not applicable to GlO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.
Increase your excess
2 year new car replacement
If your car's written off or stolen within the first two years of registration, we'll replace it with a brand new car of the same make and model, if available, providing you bought it new. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.
Lifetime new car replacement
If your car's written off or stolen, we'll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you bought it new, and it's been insured continuously with us within 13 months of the purchase.
Compact hire car after all events
Enjoy the convenience of a hire car for up to 14 days if your car can't be driven, is being repaired or is stolen. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Unlimited days hire car
If your claim's been accepted and your car can't be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car, up to $90 per day, that's a similar make and model to yours until yours is returned to you or your claim is settled. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Windscreen and window glass cover
If your windscreen or window glass, including sun roof, is the only damage sustained we'll replace or repair the damage. Includes one excess free claim per year.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.
Emergency repairs, travel and accommodation
If your car's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your car's stolen or damaged by fire, we'll pay reasonable costs for emergency repairs and if the incident was more than 100km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Amount covered
This is the amount you insure your motorcycle for.
Included Contents cover
Covers items you own or are legally responsible for when they are in your caravan, annexe or in your garden shed if you have on-site only cover.
Contents are things like your fridge and other portable household electrical appliances, clothing, laptops, cameras, jewellery, fishing equipment and bicycles. It doesn’t include things like your mobile phone, or tent.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged by fire (including bushfire), we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Legal liability
Provides up to $10 million to pay compensation for death or injury to other people, or loss or damage to their property that you’re held legally responsible for.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your car if you or someone you authorise is driving.
Legal liability
Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we'll rectify the problem.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the caravan. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident for example, graffiti or vandals damaging your boat.
Motor burnout
Covers motors in household equipment and appliances under 15 years old if they burnout due to an electrical current in your caravan or annexe. This includes the motor in things like your fridge and air conditioning.
New boat replacement
If your boat hull, motor or trailer is a write off and is less than 2 years old, we’ll pay the costs to replace it with a new one of the same, or similar, model or specification.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
New motorcycle after a total loss for motorcycles less than 2 years old
If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.
Personal property
Covers accidental damage and loss up to $500 to personal items like your mobile phone, laptop or clothing stored in a secure compartment on your motorcycle. It doesn’t include cash, jewellery, tools and other items used for work.
Hire car after theft for up to 21 days
After theft of your motorcycle, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).
If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
- in hiring a car that meets your transport needs; or
- in arranging alternative transport.
Limits, terms and conditions apply, see the PDS for full details
Temporary accommodation
If your caravan cannot be lived in we’ll pay up to $150 per day for:
- up to 30 days if the caravan is your usual home
- up to 14 days if you were living in the caravan more than 100 km away from your usual home
- up to 3 days if you were living in the caravan within 100 km of your usual home.
We will also pay up to $300 in total to accommodate any domestic pet travelling with you.
Vet expenses
If your domestic pet is injured after being hit by a vehicle we’ll pay the veterinary expenses, up to $500 as long as the pet was travelling or living in your caravan.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your caravan if you or someone you authorise is driving.
Annexe cover
Extend your insurance to include your annexe when it's being used as accommodation with this optional cover
Increased contents cover
With GIO Caravan Insurance, your contents are covered up to $1,000 as standard (sub-limits apply). You can increase the amount covered for your contents by adding this optional cover.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
Note: the reference to 'caravan' means the trailer or horse float which you have insured.
Accidental Loss or Damage
We'll cover you for accidental loss or damage from incidents such as hail, storm, flood, fire, theft, collision and impact.
You’re in control of how much you pay or save when you buy or renew your insurance premium. With a range of excess options to choose from, the more you increase your excess the lower your premium will be.
10% multi-policy discount*^
2 year new car replacement
If your car's written off or stolen within the first two years of registration, we'll replace it with a brand new car of the same make and model, if available, providing you bought it new. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.
Lifetime new car replacement
If your car's written off or stolen, we'll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you bought it new, and it's been insured continuously with us within 13 months of the purchase.
Compact hire car after all events
Enjoy the convenience of a hire car for up to 14 days if your car can't be driven, is being repaired or is stolen. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Unlimited days hire car
If your claim's been accepted and your car can't be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car, up to $90 per day, that's a similar make and model to yours until yours is returned to you or your claim is settled. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Windscreen and window glass cover
If your windscreen or window glass, including sun roof, is the only damage sustained we'll replace or repair the damage. Includes one excess free claim per year.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.
Emergency repairs, travel and accommodation
If your car's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your car's stolen or damaged by fire, we'll pay reasonable costs for emergency repairs and if the incident was more than 100km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Amount covered
This is the amount you insure your motorcycle for.
Included Contents cover
Covers items you own or are legally responsible for when they are in your caravan, annexe or in your garden shed if you have on-site only cover.
Contents are things like your fridge and other portable household electrical appliances, clothing, laptops, cameras, jewellery, fishing equipment and bicycles. It doesn’t include things like your mobile phone, or tent.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged by fire (including bushfire), we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Legal liability
Provides up to $10 million to pay compensation for death or injury to other people, or loss or damage to their property that you’re held legally responsible for.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your car if you or someone you authorise is driving.
Legal liability
Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we'll rectify the problem.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the caravan. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident for example, graffiti or vandals damaging your boat.
Motor burnout
Covers motors in household equipment and appliances under 15 years old if they burnout due to an electrical current in your caravan or annexe. This includes the motor in things like your fridge and air conditioning.
New boat replacement
If your boat hull, motor or trailer is a write off and is less than 2 years old, we’ll pay the costs to replace it with a new one of the same, or similar, model or specification.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
New motorcycle after a total loss for motorcycles less than 2 years old
If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.
Personal property
Covers accidental damage and loss up to $500 to personal items like your mobile phone, laptop or clothing stored in a secure compartment on your motorcycle. It doesn’t include cash, jewellery, tools and other items used for work.
Hire car after theft for up to 21 days
After theft of your motorcycle, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).
If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
- in hiring a car that meets your transport needs; or
- in arranging alternative transport.
Limits, terms and conditions apply, see the PDS for full details
Temporary accommodation
If your caravan cannot be lived in we’ll pay up to $150 per day for:
- up to 30 days if the caravan is your usual home
- up to 14 days if you were living in the caravan more than 100 km away from your usual home
- up to 3 days if you were living in the caravan within 100 km of your usual home.
We will also pay up to $300 in total to accommodate any domestic pet travelling with you.
Vet expenses
If your domestic pet is injured after being hit by a vehicle we’ll pay the veterinary expenses, up to $500 as long as the pet was travelling or living in your caravan.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your caravan if you or someone you authorise is driving.
Annexe cover
Extend your insurance to include your annexe when it's being used as accommodation with this optional cover
Increased contents cover
With GIO Caravan Insurance, your contents are covered up to $1,000 as standard (sub-limits apply). You can increase the amount covered for your contents by adding this optional cover.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
Note: the reference to 'caravan' means the trailer or horse float which you have insured.
Accidental Loss or Damage
We'll cover you for accidental loss or damage from incidents such as hail, storm, flood, fire, theft, collision and impact.
You may be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. Taxes and charges are not discounted. View T&Cs
No claim bonus
2 year new car replacement
If your car's written off or stolen within the first two years of registration, we'll replace it with a brand new car of the same make and model, if available, providing you bought it new. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.
Lifetime new car replacement
If your car's written off or stolen, we'll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you bought it new, and it's been insured continuously with us within 13 months of the purchase.
Compact hire car after all events
Enjoy the convenience of a hire car for up to 14 days if your car can't be driven, is being repaired or is stolen. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Unlimited days hire car
If your claim's been accepted and your car can't be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car, up to $90 per day, that's a similar make and model to yours until yours is returned to you or your claim is settled. We'll also insure the hire car against accidental loss and damage.
Please note: Learner drivers are not covered under the Hire Car option.
Windscreen and window glass cover
If your windscreen or window glass, including sun roof, is the only damage sustained we'll replace or repair the damage. Includes one excess free claim per year.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.
Emergency repairs, travel and accommodation
If your car's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your car's stolen or damaged by fire, we'll pay reasonable costs for emergency repairs and if the incident was more than 100km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.
Amount covered
This is the amount you insure your motorcycle for.
Included Contents cover
Covers items you own or are legally responsible for when they are in your caravan, annexe or in your garden shed if you have on-site only cover.
Contents are things like your fridge and other portable household electrical appliances, clothing, laptops, cameras, jewellery, fishing equipment and bicycles. It doesn’t include things like your mobile phone, or tent.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Emergency repairs, travel and accommodation
If your motorcycle’s stolen or damaged by fire (including bushfire), we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.
Legal liability
Provides up to $10 million to pay compensation for death or injury to other people, or loss or damage to their property that you’re held legally responsible for.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your car if you or someone you authorise is driving.
Legal liability
Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we'll rectify the problem.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the caravan. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.
Malicious damage
A malicious act is something that is done on purpose, with intent, as opposed to by accident for example, graffiti or vandals damaging your boat.
Motor burnout
Covers motors in household equipment and appliances under 15 years old if they burnout due to an electrical current in your caravan or annexe. This includes the motor in things like your fridge and air conditioning.
New boat replacement
If your boat hull, motor or trailer is a write off and is less than 2 years old, we’ll pay the costs to replace it with a new one of the same, or similar, model or specification.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
New motorcycle after a total loss for motorcycles less than 2 years old
If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.
Personal property
Covers accidental damage and loss up to $500 to personal items like your mobile phone, laptop or clothing stored in a secure compartment on your motorcycle. It doesn’t include cash, jewellery, tools and other items used for work.
Hire car after theft for up to 21 days
After theft of your motorcycle, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).
If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
- in hiring a car that meets your transport needs; or
- in arranging alternative transport.
Limits, terms and conditions apply, see the PDS for full details
Temporary accommodation
If your caravan cannot be lived in we’ll pay up to $150 per day for:
- up to 30 days if the caravan is your usual home
- up to 14 days if you were living in the caravan more than 100 km away from your usual home
- up to 3 days if you were living in the caravan within 100 km of your usual home.
We will also pay up to $300 in total to accommodate any domestic pet travelling with you.
Vet expenses
If your domestic pet is injured after being hit by a vehicle we’ll pay the veterinary expenses, up to $500 as long as the pet was travelling or living in your caravan.
Legal liability
Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your caravan if you or someone you authorise is driving.
Annexe cover
Extend your insurance to include your annexe when it's being used as accommodation with this optional cover
Increased contents cover
With GIO Caravan Insurance, your contents are covered up to $1,000 as standard (sub-limits apply). You can increase the amount covered for your contents by adding this optional cover.
New caravan after a total loss for caravans less than 2 years old
If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).
Note: the reference to 'caravan' means the trailer or horse float which you have insured.
Accidental Loss or Damage
We'll cover you for accidental loss or damage from incidents such as hail, storm, flood, fire, theft, collision and impact.
A no claim bonus is a discount that rewards you for your good claims history. For every year that you don't make an excess payable claim, we'll give you a discount on next year's premium up to a maximum of 60%.
Lifetime repair guarantee
If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the motorcycle. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.
Choice of repairer
We can arrange the repair of your motorcycle, or you can choose your own repairer. Our lifetime repair guarantee applies even if you choose your repairer, as long as we authorise the repairs.
24/7 Australia wide claims service
Make your claim anytime: 24 hours a day, 7 days a week.
$20 million legal liability cover
Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.
Accidental loss or damage cover
We'll cover you for accidental loss or damage from incidents such as hail, storm (including cyclone), flood, fire, theft, collision and impact.
Malicious damage or vandalism cover
A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your motorcycle.
Damage by uninsured drivers
If a vehicle driven by an uninsured driver damages your motorcycle, and the rider of your motorcycle didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your motorcycle, but no more than $5,000 for any one incident.
New motorcycle after a total loss for motorcycles less than 2 years old
If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.
Emergency travel, accommodation and repairs
If your motorcycle's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle's not roadworthy or safe to drive.
Hire car after theft for up to 21 days
If your motorcycle's stolen, we can arrange and pay for the reasonable costs of a hire car that meets your transport needs up to 21 days. We'll also insure the hire car against accidental loss and damage.
Towing and storage costs
If your motorcycle's not safe to drive, we'll pay for it to be towed to our nearest assessment centre or repair facility, or another location nominated or agreed by us plus storage costs incurred until your claim is settled.
Personal property in your motorcycle
Provides up to $500 if personal items stored in a secure compartment on your motorcycle, for example your mobile phone, laptop or clothing, are lost or damaged in an incident. It doesn't include things like cash, jewellery, tools and other items used for work.
Riding apparel cover
We cover your riding apparel, or that of your pillion passenger, if stolen from a secure storage compartment on your motorcycle or damaged while you are riding your motorcycle.
Locks and keys
If your motorcycle keys are stolen, we cover up to $1,000 towards the cost of replacing the keys and recoding your locks.
Third party property damage for trailers
Covers damage your trailer causes to another person's vehicle or property when being towed by your motorcycle.
Trailer cover
Provides up to $1,000 (for any one incident) for accidental loss or damage to your trailer caused by an incident when it:
- is attached to your motorcycle;
- runs out of control after separating from your motorcycle while your motorcycle is moving.
