GIO car insurance

GIO's overall rating for car insurance

(as rated by the Mozo community)

7.8 / 10

based on 812 reviews

Since 1927, GIO has been providing Aussies with insurance policies across a range of areas, including life, home and contents and car insurance. So if you’re looking for a way to protect your wheels while you drive, you’ve come to the right place.

Check out some of the details of a GIO car insurance policy below:

GIO offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer

Yes costs extra

up to 20%



Yes costs extra

Not Published



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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First things first, you’ll need to know what your GIO car insurance policy comes equipped with. Here are some of the main features:


On the other hand, there are some things that are excluded from your policy. Generally speaking, your insurance is designed to cover unexpected costs, like those from an accident or crime, which means you can’t claim for things like wear and tear or aging.
Here are a few things your GIO insurance policy won’t include:

There are also a couple of features that can be added to your GIO policy as an optional extra, including roadside assistance and the cost of a hire car after you have an accident.

How much does GIO car insurance cost?

There are a number of different factors that contribute to the cost of your GIO car insurance policy, including:


You premium is essentially the price tag attached to a car insurance policy, and it’s based on how likely the insurer thinks you are to make a claim. Some things that might affect your GIO premium include:


Love a good discount? Then you’ll love GIO car insurance cover. To help keep costs low, you can snag a no claims discount, a discount for buying your policy online, a multi policy discount if you bundle your policy with another GIO insurance policy, and if you’re in NSW, a discount when you also have CTP insurance through GIO.

If you’re a young driver (under 25) you might also get a family discount if one of your parents has GIO car insurance as well. At the other end of the scale, there’s also a discount especially for seniors.


Excess is how much you need to pay before your insurance will start covering costs. At GIO you can choose to pay low or high excess, and the level you opt for can affect what premium you pay - the higher the excess, the lower the premium and vice versa.

Top tip: There are extra excesses to pay if the person driving your car:

How do I pay my premium?

Usually, your car insurance premium will be paid upfront as an annual sum. With GIO, you can also choose to pay in monthly installments, but if you want to take advantage of this flexible option, keep in mind that it will cost you extra.

There are a few payment methods to choose from, including online or over the phone with a credit or debit card, over the counter at your local post office, by posting a cheque or via BPAY. 

How is GIO rated by customers?

Got some other questions, like, what kind of customer service does GIO provide? How easy was the claims process? Well, to help answer them, we’ve collect the opinions of genuine GIO customers, so you can read first hand what they thought about having car insurance with GIO. Check it out in our customer review section

Making a claim

If there’s an accident or something happens that means you need to make a claim on your GIO insurance, here are a few basic steps to follow to make sure everything goes smoothly.

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