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
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Platinum Car Insurance |
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Comprehensive Car Insurance |
Platinum Car Insurance
Comprehensive Car Insurance
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 2021 Mozo Experts Choice Car Insurance 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 multi-policy discounts.
GIO's standard and 'Platinum' levels of comprehensive car insurance both offer a wide range of cover, though 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 applies to the Platinum policy).
On both policies, new customers can take advantage of 12 months of free roadside assist, so long as they apply before March 7, 2022. GIO also eases the strain on your wallet by applying a few discounts. For example, if you hold three or more insurance policies with GIO, then you could nab another 10% off using the multi-policy discount. What's more, 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.
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.
Keep in mind that once the 12 months of free roadside assist ends, the policy will then become available as an optional 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.
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Yes costs extra |
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$695 - $2,695 |
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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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n/a |
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10% discount with an additional eligible policy. |
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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|$50 discount if you have CTP with GIO in NSW |
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Optional Extra |
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Yes |
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Yes |
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Get 12 months free GIO Roadside Assist when you purchase a new policy by 7 March, 2022 |
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n/a |
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Agreed |
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Yes - 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 combined with emergency options and emergency repairs. |
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Yes - $0 windscreen excess on first claim each year. |
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Up to $1,000 combined with emergency options. |
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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. |
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Yes - Unlimited days, max $100 per day. |
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Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day. |
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Yes - legal liability cover up to 14 days. |
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Up to $1,000 for trailer only. |
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No |
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Up to a total of $750 per item. |
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Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages. |
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No |
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No |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Yes costs extra |
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$695 - $2,695 |
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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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20% (VIC) |
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15 years |
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n/a |
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10% discount with an additional eligible policy. |
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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|$50 discount if you have CTP with GIO in NSW |
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Optional Extra |
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Yes |
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Yes |
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Get 12 months free GIO Roadside Assist when you purchase a new policy by 7 March, 2022 |
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n/a |
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Agreed |
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Yes - within 2 years of original registration |
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Up to $1,000 if damaged or stolen combined with emergency options and emergency repairs. |
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Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium. |
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Up to $1,000 combined with emergency options. |
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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. |
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Yes - Up to 21 days. |
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days, max $75 per day. |
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Yes - legal liability cover up to 14 days. |
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Up to $1,000 for trailer only. |
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No |
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Up to a total of $750 per item. |
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Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages. |
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No |
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No |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
I have had fantastic service and easy and fast dealings with GIO.
Read full reviewI have had fantastic service and easy and fast dealings with GIO.
The longer I stay with GIO for my car insurance, the better deal I get through the multi policy discount, as I also have my house and contents insurance with them too. Customer service has always been great at renewal time as they find the best deal for me at my request. It's the best value car insurance I've had for years.
Read full reviewThe longer I stay with GIO for my car insurance, the better deal I get through the multi policy discount, as I also have my house and contents insurance with them too. Customer service has always been great at renewal time as they find the best deal for me at my request. It's the best value car insurance I've had for years.
Good service.
Read full reviewGood service.
I have only made one claim but the process was very easy and stress free and was all done over the phone and was settled promptly without any hassles.
Read full reviewI have only made one claim but the process was very easy and stress free and was all done over the phone and was settled promptly without any hassles.
I have never had an issue with renewals or enquirers. I am never on hold for long and always speak to someone very helpful.
Read full reviewI have never had an issue with renewals or enquirers. I am never on hold for long and always speak to someone very helpful.