The details shown below are for the Platinum Car Insurance
The details shown below are for the Comprehensive Car Insurance
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Platinum Car Insurance |
| | Comprehensive Car Insurance |
Platinum Car Insurance
Comprehensive Car Insurance
GIO’s Platinum Car Insurance offers you one of the most comprehensive levels of cover available on the market, but what else would you expect from a 2021 Mozo Experts Choice Car Insurance Award winner in the Exceptional Quality Car Insurance category? As GIO’s premier level of car insurance you can expect some neat features like lifetime new car replacement, access to GIO’s platinum hire car service and your choice of repairer, all of which is made more affordable by generous online, family and multi-policy discounts.
GIO's standard and 'Platinum' levels of comprehensive car insurance both offer a wide range of cover. The latter provides the broadest insurance.
GIO Platinum Car Insurance will cover not only your car but any personal property within your car up to the value of $1,000 and baby seats or capsules up to $750. Windscreen cover also comes as standard as part of this policy, with one excess-free claim each policy period. You are also given the freedom to select a repairer you personally trust if your car needs fixing.
If the worst happens and your new car is stolen or written off, GIO will replace it with a brand new car of the same make and model, just as long as you’re the first registered owner and had it is insured with GIO within 13 months of purchasing the car (this only applies to the Platinum policy). The main thing to note about Platinum Car Insurance is that it doesn’t come with roadside assistance as standard, but this is available as an additional extra starting from $95 a year.
GIO eases the strain on your wallet by applying a few discounts to this policy. First off, by taking the policy out online you’ll earn a 10% discount straight off the bat (only 5% for drivers under 25).
Then, if you’re under the age of 25 and an older family member is already a comprehensive or Platinum Car Insurance policy holder, GIO will shave an extra 10% off your premium with the family discount. And if you hold three or more insurance policies with GIO, then you could nab another 10% off using the multi-policy discount.
Safe drivers will be rewarded with a no claims bonus between 5% and 20% depending on how long they hold a GIO policy without making a claim. And finally, if you're a NSW resident and take out your Compulsory Third Party (CTP) insurance with GIO, they'll knock $50 off the bill.
If you’re a young driver, insuring your own car can get pretty pricey so make the most of GIO’s 10% family discount for drivers under the age of 25. Alternatively, if you’ve recently bought a new car and want to make sure it will be replaced at the right value, then GIO’s lifetime new car replacement feature makes Platinum Car Insurance an attractive option for you.
Keep in mind that roadside assistance or monthly premium payments are optional extras as part of this policy and will cost extra. It is also a good idea to keep GIO up to date with a list of drivers otherwise if you lend your car to a friend and they are at-fault for an accident, you’ll be forced to fork out for a $1,400 unlisted driver excess.
| Yes costs extra | |
| $695 - $2,695 | |
| $400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25. | |
| Not Published | |
| 15 years | |
| 10% | |
| 20% discount with an additional eligible policy. | |
| Claims Free Driver reward applies a discount to the year following each year you do not make a claim, and cannot be protected, but level is essentially protected because it never decreaeses (either increase or stays same). | |
| Family discount of 10% available to people under 25 if a parent holds a current comprehensive car policy|$50 discount if you have CTP with GIO in NSW |
| Optional Extra | |
| Yes | |
| Yes | |
| n/a | |
| n/a |
| Agreed | |
| Yes - lifetime new car replacement if you are the first registered owner and have held the policy with the insurer since new | |
| Up to $1,000 if damaged or stolen combined with emergency options and emergency repairs. | |
| Yes - $0 windscreen excess on first claim each year. | |
| Up to $1,000 combined with emergency options. | |
| Cost of one tow. Up to $1,000 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $250 for travel costs. | |
| Yes - Unlimited days, max $100 per day. | |
| Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day. | |
| Yes - legal liability cover up to 14 days. | |
| Up to $1,000 for trailer only. | |
| No | |
| Up to a total of $750 per item. | |
| Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages. | |
| No | |
| No |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
| Yes costs extra | |
| $695 - $2,695 | |
| $400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25. | |
| 20% (VIC) | |
| 15 years | |
| 10% | |
| 20% discount with an additional eligible policy. | |
| Claims Free Driver reward applies a discount to the year following each year you do not make a claim, and cannot be protected, but level is essentially protected because it never decreaeses (either increase or stays same). | |
| Family discount of 10% available to people under 25 if a parent holds a current comprehensive car policy|$50 discount if you have CTP with GIO in NSW |
| Optional Extra | |
| Yes | |
| Yes | |
| n/a | |
| n/a |
| Agreed | |
| Yes - within 2 years of original registration | |
| Up to $1,000 if damaged or stolen combined with emergency options and emergency repairs. | |
| Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium. | |
| Up to $1,000 combined with emergency options. | |
| Cost of one tow. Up to $1,000 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $250 for travel costs. | |
| Yes - Up to 21 days. | |
| Not at fault - Yes. At fault - Optional Extra. Up to 14 days, max $75 per day. | |
| Yes - legal liability cover up to 14 days. | |
| Up to $1,000 for trailer only. | |
| No | |
| Up to a total of $750 per item. | |
| Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages. | |
| No | |
| No |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Overall they have been good and helpful.
Read full reviewOverall they have been good and helpful.
Their customer service has been excellent but have luckily not hat to see what their policy claim process!
Read full reviewTheir customer service has been excellent but have luckily not hat to see what their policy claim process!
they were the cheapest by a mile
Read full reviewthey were the cheapest by a mile
I have been insured with GIO for last 4 vehicles The last vehicle was bought 1n 2019 Vehicle value $49000 premium $1315. Just received new policy Vehicle value $34200 premium $1758 Vehicle depreciation 28% Premium increase 25% ' I have made no claims at all I thought the cheaper the value the cheaper the premium When you contact them they explain costs and claims have gone up Why do I have to pay for other peoples claims!!!!!!! NOT HAPPY GIO
Read full reviewI have been insured with GIO for last 4 vehicles The last vehicle was bought 1n 2019 Vehicle value $49000 premium $1315. Just received new policy Vehicle value $34200 premium $1758 Vehicle depreciation 28% Premium increase 25% ' I have made no claims at all I thought the cheaper the value the cheaper the premium When you contact them they explain costs and claims have gone up Why do I have to pay for other peoples claims!!!!!!! NOT HAPPY GIO
They are the worst - they have terrible customer service. It takes weeks for anything to happen. The initial quote to fix my car was $3000, after it was assessed it was written off. The agreed value is rubbish it is a ford territory with low miles and in great condition &8,700 and I can't replace it for under $11,000. It has been 6 weeks and they still haven't told me what is happening. We have rung them every week only to be told they didn't have this or didn't have that - which was the same comments from the week before when we know that information had been provided. We live in the country and haven't been able to heat the house as we haven't been able to get wood with no car with a tow ball. Now I have a letter from RMS telling me my car has been written off and I haven't even heard from GIO. The repairer warned me they would try to write it off as they can sell the car for part for $6,000 and they have saved themselves a bunch of money. Im so upset and angry and now I have to try and find another car when they have valued it so low.
Read full reviewThey are the worst - they have terrible customer service. It takes weeks for anything to happen. The initial quote to fix my car was $3000, after it was assessed it was written off. The agreed value is rubbish it is a ford territory with low miles and in great condition &8,700 and I can't replace it for under $11,000. It has been 6 weeks and they still haven't told me what is happening. We have rung them every week only to be told they didn't have this or didn't have that - which was the same comments from the week before when we know that information had been provided. We live in the country and haven't been able to heat the house as we haven't been able to get wood with no car with a tow ball. Now I have a letter from RMS telling me my car has been written off and I haven't even heard from GIO. The repairer warned me they would try to write it off as they can sell the car for part for $6,000 and they have saved themselves a bunch of money. Im so upset and angry and now I have to try and find another car when they have valued it so low.