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
| Name | |
|---|---|
| | Platinum Car Insurance |
| | 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 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.
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 applies 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 (only 5% for drivers under 25).
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 with the family discount. And if you hold three or more insurance policies with GIO, then you could nab another 10% off using the multi-policy discount.
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.
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.
Keep in mind that roadside assistance or monthly premium payments 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.
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%
20% discount with an additional eligible policy.
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|$50 discount if you have CTP with GIO in NSW
Optional Extra
Yes
Yes
n/a
n/a
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
*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 on the provider's website for further information before making any decisions about an insurance product.
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).
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%
20% discount with an additional eligible policy.
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|$50 discount if you have CTP with GIO in NSW
Optional Extra
Yes
Yes
n/a
n/a
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
*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 on the provider's website for further information before making any decisions about an insurance product.
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).
I have been with GIO for varying policies for decades however after retirement I insured my personal car with GIO, having had a company vehicle for some 30 years, and now following 13 years of a continued policy I could not be happier. I particularly enjoy being able to secure "agreed value" for my vehicle which even today is $1000's more than I would get from many alternative insurers who at best save me less than $200 on the premium and will not entertain "agreed value"
Read full reviewI have been with GIO for varying policies for decades however after retirement I insured my personal car with GIO, having had a company vehicle for some 30 years, and now following 13 years of a continued policy I could not be happier. I particularly enjoy being able to secure "agreed value" for my vehicle which even today is $1000's more than I would get from many alternative insurers who at best save me less than $200 on the premium and will not entertain "agreed value"
GIO are all promises until they actually have to pay out, they found a way to take significant money off my write off claim. They hide things in small print and are completely unethical in their dealings. It would be a terrible decision to go with them as they don’t do what they sell you. And when you try to dispute it they push you aside, ignore you, pay you out the smallest amount possible and hope you go away and stop trying to get what is owed to you.
Read full reviewGIO are all promises until they actually have to pay out, they found a way to take significant money off my write off claim. They hide things in small print and are completely unethical in their dealings. It would be a terrible decision to go with them as they don’t do what they sell you. And when you try to dispute it they push you aside, ignore you, pay you out the smallest amount possible and hope you go away and stop trying to get what is owed to you.
GIO have always been fabulous to us whenever I have had to call or claim.
Read full reviewGIO have always been fabulous to us whenever I have had to call or claim.
Make it easy for monthly insurance payments by direct debit. Always sending emails on up to date services. Give plenty of notice when renewal is due and the yearly/monthly payments.
Read full reviewMake it easy for monthly insurance payments by direct debit. Always sending emails on up to date services. Give plenty of notice when renewal is due and the yearly/monthly payments.
Don’t know where to start. Worst insurance company I have ever seen in my life. Bad customer service, inferior quality. Never ever in your life trust this company. They aren’t trustworthy. I have put my trust in it and my money but they disappointed me.
Read full reviewDon’t know where to start. Worst insurance company I have ever seen in my life. Bad customer service, inferior quality. Never ever in your life trust this company. They aren’t trustworthy. I have put my trust in it and my money but they disappointed me.