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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

Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
10%
Choice of repairer
Yes
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 20%
Online discount
10%
Choice of repairer
Yes

Mozo editorial review GIO Comprehensive Car Insurance

Last updated: 24 September 2020.

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What's hot
  • 10% online discount
  • 10% family discount for drivers under the age of 25
  • 2020 Mozo Experts Choice Award winner
  • Lifetime new car replacement
What's not
  • $1400 unlisted driver excess
Mozo snapshot

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 2020 Mozo Experts Choice 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, senior and no claim discounts.

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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 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. 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 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. 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 work to keep your driving record squeaky clean, you could be eligible for a no claims discount! 

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Who is it 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.

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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 24 September 2020. 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
  • Yes costs extra

  • $200 - $2,000

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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

*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).

Details

Rates and fees information correct as at 24 September 2020. 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
  • Yes costs extra

  • $200 - $2,000

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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

*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).

Customer Reviews

How are GIO car insurance rated by the Mozo community?

Overall
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
7.7/10

Latest reviews of GIO Comprehensive Car Insurance

  • Overall 10/10
    Best Motor Vehicle Insurer

    Have been with GIO Car Insurance (Platinum Cover) for quite a few years. Have made several claims- My fault and No fault. This company has always honored the cover as the Insurer. I cannot say a bad word. Repairs were carried out promptly with good workmanship. I have the car hire option too. If you want a new car, if the vehicle is stolen and not recovered or badly damaged, you will receive a brand new vehicle for Life under this policy. This is the only Company that will do this. Can only say good things with this company.

    Read full review

    Have been with GIO Car Insurance (Platinum Cover) for quite a few years. Have made several claims- My fault and No fault. This company has always honored the cover as the Insurer. I cannot say a bad word. Repairs were carried out promptly with good workmanship. I have the car hire option too. If you want a new car, if the vehicle is stolen and not recovered or badly damaged, you will receive a brand new vehicle for Life under this policy. This is the only Company that will do this. Can only say good things with this company.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Stan, New South Wales reviewed 1 day ago
  • Overall 10/10
    GIO are the best insurance company.

    This is one of two that give new for old policy for life. They are the best to deal with. No problems when you have to claim.

    Read full review

    This is one of two that give new for old policy for life. They are the best to deal with. No problems when you have to claim.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Chris, New South Wales reviewed 27 days ago
  • Overall 0/10
    Don't use GIO if you want a trustworthy company

    A policy payment didnt go through due to a card issue and they forgot to email me about the issue. Two months later they sent me a email at 11pm to let me know that my policy is cancelled as of 11:59pm, leaving my car uninsured overnight. Absolutely disgusting behaviour.

    Read full review

    A policy payment didnt go through due to a card issue and they forgot to email me about the issue. Two months later they sent me a email at 11pm to let me know that my policy is cancelled as of 11:59pm, leaving my car uninsured overnight. Absolutely disgusting behaviour.

    Value for money
    1/10
    Policy coverage
    6/10
    Customer service
    0/10
    Claims handling
    -1/10
    Trust
    0/10
    Less
    Bianca, New South Wales reviewed 3 months ago
  • Overall 0/10
    No support for customer when it comes to claim.

    Everything goes fine until you have a claim. I didn't get any support from GIO being with them for 7 years.

    Read full review

    Everything goes fine until you have a claim. I didn't get any support from GIO being with them for 7 years.

    Value for money
    6/10
    Policy coverage
    5/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Thomas, Australian Capital Territory reviewed 3 months ago
  • Overall 0/10
    Nothing more than a rort.

    Have been insured with Suncorp for 3 years through GIO. My car was recently in a minor accident and had to be towed to repairers. Firstly I was told it was going to be written off and to come empty the car out and then 2 days later I was told they won't be writing it off but they cant repair it either so they offered a cash setlement which is half of what the agreed value is. I was told to come get the car (which wont start and had to be towed) and that they will no longer insure the car as it now has pre existing damage. They then said they can tow the car and dump it out the front of my house. Talked to the complaints department who told me its in all their policies that they can offer cash settlements instead of writing vehicles off when they cant repair them. How is that legal and what is insurance for if they don't repair or write it off? No point having insurance if you aren't covered.

    Read full review

    Have been insured with Suncorp for 3 years through GIO. My car was recently in a minor accident and had to be towed to repairers. Firstly I was told it was going to be written off and to come empty the car out and then 2 days later I was told they won't be writing it off but they cant repair it either so they offered a cash setlement which is half of what the agreed value is. I was told to come get the car (which wont start and had to be towed) and that they will no longer insure the car as it now has pre existing damage. They then said they can tow the car and dump it out the front of my house. Talked to the complaints department who told me its in all their policies that they can offer cash settlements instead of writing vehicles off when they cant repair them. How is that legal and what is insurance for if they don't repair or write it off? No point having insurance if you aren't covered.

    Value for money
    0/10
    Policy coverage
    0/10
    Customer service
    1/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Monique, New South Wales reviewed 6 months ago
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