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GIO Comprehensive Car Insurance

Advertiser disclosure

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

  • 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: 8 December 2020.

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What's hot
  • 10% online discount for the first year
  • 10% family discount for drivers under the age of 25
  • Up to 20% no claim bonus
  • Lifetime new car replacement
  • 2020 Mozo Experts Choice Award winner
What's not
  • $1,400 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 and multi-policy discounts.

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Key features

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 applied 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. 

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. And if you hold three or more insurance policies with GIO, then you could nab another 10% off. 

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.

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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 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.

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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 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.

Details

Rates and fees information correct as at 9 March 2021. 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 9 March 2021. 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
7.8/10

Latest reviews of GIO Comprehensive Car Insurance

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