Choose the version of this product that suits you best
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Platinum Car Insurance |
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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 2023 Mozo Experts Choice Car Insurance Award winner? 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).
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.
It is 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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Added cover for paint protection that was on damaged parts of car. |
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n/a |
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SA VIC NT TAS NSW ACT QLD WA |
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Agreed or Market |
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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 |
^See information about the Mozo Expert Choice Car Insurance Awards
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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Added cover for paint protection that was on damaged parts of car. |
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n/a |
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SA VIC NT TAS NSW ACT QLD WA |
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Agreed or Market |
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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 |
^See information about the Mozo Expert Choice Car Insurance Awards
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.
Unfortunately, there's no option to give a zero-star rating here! Suncorp Insurance (including AAMI, GIO, and AAI—all the same under different names) fails to provide quality service for customers and car repairs. You have the option to choose your own repairer or go with their recommended repairer. However, if you choose your own, Suncorp often neglects to support the customer and seems to avoid providing assistance. When customers request information, Suncorp frequently refuses to share it. The only solution to this issue seems to be involving the ACCC, Fair Trading, or other relevant consumer protection services.
Read full reviewUnfortunately, there's no option to give a zero-star rating here! Suncorp Insurance (including AAMI, GIO, and AAI—all the same under different names) fails to provide quality service for customers and car repairs. You have the option to choose your own repairer or go with their recommended repairer. However, if you choose your own, Suncorp often neglects to support the customer and seems to avoid providing assistance. When customers request information, Suncorp frequently refuses to share it. The only solution to this issue seems to be involving the ACCC, Fair Trading, or other relevant consumer protection services.
what can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.
Read full reviewwhat can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.
Love the service and the price of the insurance, I have not faced any challenges with them, been always happy customer.
Read full reviewLove the service and the price of the insurance, I have not faced any challenges with them, been always happy customer.
GIO has very good customer service and competitive pricing I would rate GIO a positive experience
Read full reviewGIO has very good customer service and competitive pricing I would rate GIO a positive experience
I got my whole family singed up with them they are amazing every interaction I have had with them is amazing fast reliable customer service and willing to go the extra mile to help the customer even if your not a client
Read full reviewI got my whole family singed up with them they are amazing every interaction I have had with them is amazing fast reliable customer service and willing to go the extra mile to help the customer even if your not a client