Cover information and limits in the table below verified as correct at 29 March 2024. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
Product | Main Events covered | Monthly payments cost extra | Underinsurance protection | New for old replacement |
---|---|---|---|---|
Classic Contents |
Yes |
No |
Yes |
|
Classic Extra Contents |
Yes |
No |
Yes |
|
Classic Extra Home |
Yes |
Yes Up to 25% of sum insured |
Yes |
|
Classic Extra Home & Contents |
Yes |
Yes Up to 25% of sum insured |
Yes |
|
Classic Home |
Yes |
Optional Extra Up to 25% of sum insured |
Yes |
|
Classic Home & Contents |
Yes |
Optional Extra Up to 25% of sum insured |
Yes |
|
Platinum Contents |
Yes |
No |
Yes |
|
Platinum Home |
Yes |
Yes Up to 30% of sum insured |
Yes |
|
Platinum Home & Contents |
Yes |
Yes Up to 30% of sum insured |
Yes |
Mozo users have rated GIO home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
185 Reviews
GIO are a good solid insurance company! I've had house and contents insurance with them for more than 10 years, and I at present see no reason to change from the current arrangement. They allow you to tailor your cover to your own particular circumstances, which suits me. They also have a proven reputation. I guess the disadvantage is the price of the premiums, they have gone up with inflation, like everything else in our economy.
Read full reviewGIO are a good solid insurance company! I've had house and contents insurance with them for more than 10 years, and I at present see no reason to change from the current arrangement. They allow you to tailor your cover to your own particular circumstances, which suits me. They also have a proven reputation. I guess the disadvantage is the price of the premiums, they have gone up with inflation, like everything else in our economy.
The coverage was good and it could be tailored. I had a multi policy with home & contents, car, and caravan and had never made a claim in the 12 years I had the policies. My home & contents insurance went up 53% recently. When I spoke to them about the increase, they didn't make any offers to try and keep me. I shopped around and subsequently took my insurance needs elsewhere.
Read full reviewThe coverage was good and it could be tailored. I had a multi policy with home & contents, car, and caravan and had never made a claim in the 12 years I had the policies. My home & contents insurance went up 53% recently. When I spoke to them about the increase, they didn't make any offers to try and keep me. I shopped around and subsequently took my insurance needs elsewhere.
Gio will do absolutely anything to avoid paying a claim. Our property was 40cm underwater in 2022 floods, our fibreglass pool popped out of the ground and cracked down the middle during the flood, despite photos and expert reports from 3rd party geo technical engineers confirming without doubt that it occured as a result of the flood, they still refused our claim. We have 9 different insurance policies with GIO and have been with them for 15years plus, they are thieves. Avoid at all costs.
Read full reviewGio will do absolutely anything to avoid paying a claim. Our property was 40cm underwater in 2022 floods, our fibreglass pool popped out of the ground and cracked down the middle during the flood, despite photos and expert reports from 3rd party geo technical engineers confirming without doubt that it occured as a result of the flood, they still refused our claim. We have 9 different insurance policies with GIO and have been with them for 15years plus, they are thieves. Avoid at all costs.
Unorganised claims department that makes many errors then avoid you and delay the claim. They then try to cover up the errors and refuse to discuss. Errors on reports. Errors when they do communicate. Don’t supply reports. Slow to assess and also to begin work. Twist the truth. Use their pool of panel builders. From experience they use subcontractors who are unskilled and not only do they not fix the issue, but cause further damage. GIO do not support you after this. They just try work their way out of it while gaslighting you. They allow crooks aka contractors to charge insane prices for work that isn’t completed. I’d love to show the shareholders how much has been wasted and mismanaged. Premiums are skyrocketing and claims department is incompetent. I can’t believe how GIO treat people during stressful claims and how they delay for significant periods. I don’t know what has happened to this company but it’s frightening and illegal what they do.
Read full reviewUnorganised claims department that makes many errors then avoid you and delay the claim. They then try to cover up the errors and refuse to discuss. Errors on reports. Errors when they do communicate. Don’t supply reports. Slow to assess and also to begin work. Twist the truth. Use their pool of panel builders. From experience they use subcontractors who are unskilled and not only do they not fix the issue, but cause further damage. GIO do not support you after this. They just try work their way out of it while gaslighting you. They allow crooks aka contractors to charge insane prices for work that isn’t completed. I’d love to show the shareholders how much has been wasted and mismanaged. Premiums are skyrocketing and claims department is incompetent. I can’t believe how GIO treat people during stressful claims and how they delay for significant periods. I don’t know what has happened to this company but it’s frightening and illegal what they do.