GIO Comprehensive Car Insurance
This product is available in different versions. Pick the right version for you here.
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
| Name | |
|---|---|
| | Platinum Car Insurance |
| | Comprehensive Car Insurance |
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Platinum Car Insurance
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Comprehensive Car Insurance
costs extra
Not Published
10%
GIO 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%
GIO Comprehensive Car Insurance
costs extra
up to 20%
10%
Mozo Review GIO Comprehensive Car Insurance Review
Last updated: 10 May 2019.
What's hot:
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:
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 17 August 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
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costs extra
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$650 - $2,650
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$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.
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Not Published
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15 years
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10%
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10% discount with 3 or more policies
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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).
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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
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Optional Extra
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-
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n/a
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n/a
Coverage summary
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Agreed
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- lifetime new car replacement if you are the first registered owner and have held the policy with the insurer since new
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Up to $1,000 if damaged or stolen.
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Yes - $0 windscreen excess on first claim each year.
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Up to $1,000
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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.
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- Unlimited days, max $100 per day.
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- Unlimited days, max $100 per day.
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Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
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Up to $1,000 for trailer only.
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Up to $1,000 if stolen.
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Covered with personal property
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Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.
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(
Details
Rates and fees information correct as at 17 August 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
-
-
-
n/a
-
n/a
Coverage summary
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Agreed
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- within 2 years of original registration
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Up to $1,000 if damaged or stolen.
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Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
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Up to $1,000
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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.
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- Up to 14 days.
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Optional Extra - Up to 14 days.
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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.
-
(
Customer Reviews
How are GIO car insurance rated by the Mozo community?
Latest reviews of GIO Comprehensive Car Insurance
- Overall9/10
Price & policy great so far.
Totally impressed with this insurance company for motor insurance. Price and claims process as...
Read full review
Totally impressed with this insurance company for motor insurance. Price and claims process as well as policy is very impressive.
Value for money10/10Policy coverage10/10Customer service10/10Claims handling10/10Trust10/10Less
Joy | New South Wales
reviewed 10 months ago
- Overall10/10
Competitive premiums
I love GIO as they are cheap, reliable and awesome value.
Read full review
I love GIO as they are cheap, reliable and awesome value.
Value for money10/10Policy coverage10/10Customer service10/10Claims handling10/10Trust10/10Less
Alison | Victoria
reviewed over 1 year ago
- Overall10/10
Great
Very happy.
Read full review
Very happy.
Value for money10/10Policy coverage10/10Customer service10/10Claims handling10/10Trust10/10Less
Lee | New South Wales
reviewed over 1 year ago
- Overall10/10
Great customer service
Been my insurance company for the last 5 years and they have always provided an excellent service.
Read full review
Been my insurance company for the last 5 years and they have always provided an excellent service.
Value for money10/10Policy coverage10/10Customer service10/10Claims handling-1/10Trust10/10Less
Kylie | New South Wales
reviewed over 1 year ago
- Overall7/10
Satisfied
The claim process is quick and we get the smash repair of our choice, while staying at a rating...
Read 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 money5/10Policy coverage8/10Customer service7/10Claims handling8/10Trust7/10Less
Kerrie | Victoria
reviewed over 1 year ago
