GIO - Comprehensive Car Insurance

GIO Comprehensive Car Insurance Review

Rates and fees information correct as at 17 December 2018.

Review published: 20 September 2017

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.

How is GIO car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
7.8

Based on 800
GIO car insurance reviews

7.3 7.7 7.9 7.8 7.8

Read GIO car insurance reviews by the Mozo community

Latest reviews of GIO Comprehensive Car Insurance

GIO

GIO Platinum Car Insurance car insurance review

Overall rating   9 / 10

Price & policy great so far.

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

Full review

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

Less

Joy, New South Wales, reviewed about 2 months ago

GIO

GIO Platinum Car Insurance car insurance review

Overall rating   10 / 10

Competitive premiums

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

Full review

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

Less

Alison, Victoria, reviewed 9 months ago

GIO

GIO Platinum Car Insurance car insurance review

Overall rating   10 / 10

Great

Very happy.

Full review

Very happy.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Lee, New South Wales, reviewed 9 months ago

GIO

GIO Platinum Car Insurance car insurance review

Overall rating   10 / 10

Great customer service

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

Full review

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

    Trust   10 / 10

Less

Kylie, New South Wales, reviewed 9 months ago

GIO

GIO Platinum Car Insurance car insurance review

Overall rating   7 / 10

Satisfied

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.

Full review

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

Less

Kerrie, Victoria, reviewed 9 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

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.

  • Optional Extra - 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.

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.

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).

(*as voted by the Mozo community)

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