GIO Comprehensive Car Insurance

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The details shown below are for the Platinum Car Insurance

The details shown below are for the Comprehensive Car Insurance

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  • Platinum Car Insurance

  • 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%

Mozo Review   GIO Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 10% online discount

  • 10% family discount for drivers under the age of 25

  • 2019 Mozo Experts Choice Award winner

  • 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, but what else would you expect from a 2019 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, 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 work to keep your driving record squeaky clean, you could be eligible for a no claims discount! 

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 5 April 2020. 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

  • $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

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - 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.

  • - 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

*as voted by the Mozo community

Details

Rates and fees information correct as at 5 April 2020. 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

  • $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

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - 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.

  • - 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

*as voted by the Mozo community

Customer Reviews

How are GIO car insurance rated by the Mozo community?

Overall customer rating
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

  • Overall 0/10
    Nothing more than a rort.

    Have been insured with Suncorp for 3 years through GIO. My car was recently in a minor accident and had to be towed to repairers. Firstly I was told it was going to be written off and to come empty the car out and then 2 days later I was told they won't be writing it off but they cant repair it either so they offered a cash setlement which is half of what the agreed value is. I was told to come get the car (which wont start and had to be towed) and that they will no longer insure the car as it now has pre existing damage. They then said they can tow the car and dump it out the front of my house. Talked to the complaints department who told me its in all their policies that they can offer cash settlements instead of writing vehicles off when they cant repair them. How is that legal and what is insurance for if they don't repair or write it off? No point having insurance if you aren't covered.

    Read full review

    Have been insured with Suncorp for 3 years through GIO. My car was recently in a minor accident and had to be towed to repairers. Firstly I was told it was going to be written off and to come empty the car out and then 2 days later I was told they won't be writing it off but they cant repair it either so they offered a cash setlement which is half of what the agreed value is. I was told to come get the car (which wont start and had to be towed) and that they will no longer insure the car as it now has pre existing damage. They then said they can tow the car and dump it out the front of my house. Talked to the complaints department who told me its in all their policies that they can offer cash settlements instead of writing vehicles off when they cant repair them. How is that legal and what is insurance for if they don't repair or write it off? No point having insurance if you aren't covered.

    Value for money
    0/10
    Policy coverage
    0/10
    Customer service
    1/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Monique, New South Wales reviewed 18 days ago
  • Overall 0/10
    Less than helpful.

    GIO, you're the worst! Our car got into minor incident. We called YOU hoping that you could help us. But no, instead we waited ages and we were the one who had to reach to you for an update and when we called, you told the car is not repairable and its been statutory written off. You’re offering us $2,000 and not even sympathetic about the situation. You cancelled our registration without our consent, let alone informed us about it. We can’t see our car. You refuse give us any information about the car and why it’s not drivable anymore. The car was working fine. We used it for a whole week before we gave it to you and nothing was wrong with it, only the booth wouldn’t open without using a key. Now you can’t even tell us what is wrong with the car. We haven’t agreed to anything and yet you unregistered our car. GIO, you are LESS THAN HELPFUL.

    Read full review

    GIO, you're the worst! Our car got into minor incident. We called YOU hoping that you could help us. But no, instead we waited ages and we were the one who had to reach to you for an update and when we called, you told the car is not repairable and its been statutory written off. You’re offering us $2,000 and not even sympathetic about the situation. You cancelled our registration without our consent, let alone informed us about it. We can’t see our car. You refuse give us any information about the car and why it’s not drivable anymore. The car was working fine. We used it for a whole week before we gave it to you and nothing was wrong with it, only the booth wouldn’t open without using a key. Now you can’t even tell us what is wrong with the car. We haven’t agreed to anything and yet you unregistered our car. GIO, you are LESS THAN HELPFUL.

    Value for money
    0/10
    Policy coverage
    1/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Liezel, New South Wales reviewed about 2 months ago
  • Overall 0/10
    Great until you make a claim.

    Been with GIO for 31 years and first claim ever and it’s a total nightmare. Totally perfect until you make a claim. The lies are endless.

    Read full review

    Been with GIO for 31 years and first claim ever and it’s a total nightmare. Totally perfect until you make a claim. The lies are endless.

    Value for money
    0/10
    Policy coverage
    -1/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Kellie, New South Wales reviewed about 2 months ago
  • Overall 8/10
    Helpful in times of trouble.

    Very help customer service when needed.

    Read full review

    Very help customer service when needed.

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    8/10
    Less
    Maria, New South Wales reviewed 6 months ago
  • Overall 8/10
    Customer service top of the class.

    I have been with GIO for many years and have filed several claims which were all dealt with promptly. In fact for my last claim, my car had several issues and all the repairs were sorted to my satisfaction.

    Read full review

    I have been with GIO for many years and have filed several claims which were all dealt with promptly. In fact for my last claim, my car had several issues and all the repairs were sorted to my satisfaction.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    8/10
    Less
    Garry, New South Wales reviewed 7 months ago
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