GIO Comprehensive Car Insurance

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 loan that suits you best

  • Platinum Car Insurance

  • Comprehensive Car Insurance

costs extra

Not Published

10%

GIO Comprehensive Car Insurance

costs extra

Not Published

10%

costs extra

up to 20%

10%

GIO Comprehensive Car Insurance

costs extra

up to 20%

10%

Mozo Review   GIO Comprehensive Car Insurance Review

Last updated: 6 September 2018.

What's hot:
  • 2018 Mozo Experts Choice Winner

  • 10% online discount

  • 10% family discount for drivers under the age of 25

  • Lifetime new car replacement

What's not:
  • $1400 unlisted driver excess

Mozo snapshot:

Winning a Mozo Experts Choice Award for Exceptional Quality in 2018, GIO’s Platinum Car Insurance offers you one of the most comprehensive levels of cover available on the market. 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, senior and no claim discounts.

Key features:

GIO Platinum Car Insurance will cover not only your car but your keys if they are stolen and any personal property within your car up to the value of $500. Windscreen cover also comes as standard as part of this policy and you are given the freedom to select a repairer you personally trust if your car needs fixing. If you want greater control over your cover, GIO will talk it out with you beforehand and come to an agreed value for your precious set of wheels.

If the worst case scenario eventuates 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 insured with GIO within 13 months of purchasing the car. The main thing to note about Platinum Car Insurance is that it doesn’t come with roadside assistance as standard but is available as an additional extra for $90 a year.

GIO ease 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. 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. Finally, if you’ve kept your driving record squeaky clean you could be up for a no claim discount of up to 20% so make sure to enquire about your eligibility for these discounts.

Who it's good for:

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 that, in the event it is written off or stolen, it will be replaced then GIO’s lifetime new car replacement feature makes Platinum Car Insurance an attractive option for you.

Any catches?

Keep in mind that roadside assistance or monthly premiums are optional extras as part of this policy and will cost you a few extra dollars to take up. 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.

Details

Rates and fees information correct as at 20 April 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $650 - $2,650

  • $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%

  • 10% discount with 3 or more policies

  • 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|Seniors discount of 5%|$50 discount if you have CTP with GIO in NSW

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed

  • - 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.

  • Yes - $0 windscreen excess on first claim each year.

  • Up to $1,000

  • Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home. Reasonable costs for up to 2 taxi fares.

  • - Unlimited days, max $100 per day.

  • - Unlimited days, max $100 per day.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • Up to $1,000 if stolen.

  • Covered with personal property

  • Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.

(*as voted by the Mozo community)

Details

Rates and fees information correct as at 20 April 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $650 - $2,650

  • $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)
    20% (SA)
    20% (NSW)
    20% (NT)
    20% (QLD)
    20% (WA)
    20% (ACT)
    20% (TAS)

  • 15 years

  • 10%

  • 10% discount with 3 or more policies

  • 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|Seniors discount of 5%|$50 discount if you have CTP with GIO in NSW

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed

  • - within 2 years of original registration

  • Up to $1,000 if damaged or stolen.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $1,000

  • Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home. Reasonable costs for up to 2 taxi fares.

  • - Up to 14 days.

  • Optional Extra - Up to 14 days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • Up to $1,000 if stolen.

  • Covered with personal property

  • Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.

(*as voted by the Mozo community)

Customer Reviews

How are GIO car insurance rated by the Mozo community?

Overall customer rating
7.8/10
Value for money
7.3/10
Policy coverage
7.7/10
Customer service
7.9/10
Claims handling
7.8/10
Trust
7.8/10

Latest reviews of GIO Comprehensive Car Insurance

  • Overall
    9/10
    Price & policy great so far.

    Totally impressed with this insurance company for motor insurance. Price and claims process as...

    Totally impressed with this insurance company for motor insurance. Price and claims process as well as policy is very impressive.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Joy | New South Wales

    reviewed 6 months ago

  • Overall
    10/10
    Competitive premiums

    I love GIO as they are cheap, reliable and awesome value.

    I love GIO as they are cheap, reliable and awesome value.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Alison | Victoria

    reviewed about 1 year ago

  • Overall
    10/10
    Great

    Very happy.

    Very happy.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Lee | New South Wales

    reviewed about 1 year ago

  • Overall
    10/10
    Great customer service

    Been my insurance company for the last 5 years and they have always provided an excellent service.

    Been my insurance company for the last 5 years and they have always provided an excellent service.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10

    Kylie | New South Wales

    reviewed about 1 year ago

  • Overall
    7/10
    Satisfied

    The claim process is quick and we get the smash repair of our choice, while staying at a rating...

    The claim process is quick and we get the smash repair of our choice, while staying at a rating one driver. Plus we get a free Windscreen each year.

    Value for money
    5/10
    Policy coverage
    8/10
    Customer service
    7/10
    Claims handling
    8/10
    Trust
    7/10

    Kerrie | Victoria

    reviewed about 1 year ago

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