GIO - Home & Contents Insurance

GIO Home & Contents Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Experts Choice winner

  • Underinsurance protection

  • New for old replacement

  • Multiple discounts

What's not:

  • Monthly payment fee

Mozo snapshot:

A clear Experts Choice winner, GIO’s Classic Extra Home and Contents Insurance took out the title for Exceptional Value Home and Contents and there’s no doubt GIO’s discounts had something to do with it. If applying online, you’ll automatically get a 10% discount, 15% if you choose to combine policies or a 10% multi-policy discount. There’s also good news for senior card holders as GIO also offers a senior card discount. It’s also worth mentioning that not only will you also get to choose your excess, there’s 24/7 service at your fingertips.

Key features:

This a no joke kind of policy. With GIO’s Classic Extra Home and Contents Insurance, you’ll be covered if your home suffers from accidental loss or damage or breakage of glass and 11 other events you’d rather not think about. Underinsurance protection for buildings is also on offer for up to 25% of the sum insured amount. 

In terms of contents, you can rest easy knowing GIO Classic Extra Home and Contents Insurance will protect your favourite belongings, like any cash you have stored away, credit cards, your computer’s software and hardware and any other valuables you’d hate to see destroyed, like antiques, jewellery and trade tools. 

Another feature in GIO’s Classic Extra Home and Contents Insurance is the other extras included in the policy that’ll organise and take care of the stressful moments for you. If your home becomes unlivable, you’ll be able to get cover for temporary accommodation for you and your pet, lock replacements and much more. You might also be happy to know that GIO Classic Extra Home and Contents Insurance offers the optional extra of adding veterinary expenses cover to your policy to give your pet even more protection. 


Who it's good for:

GIO Classic Extra Home and Contents is the best choice for anyone looking for peace of mind when it comes to giving their home thorough and adequate protection.

Any catches?

As GIO Classic Extra Home and Contents Insurance has everything you need in a policy, it’s important you know that power and storm surges, stock and inventory are not covered under the policy. 

Plus, as can choose to pay your premium on a monthly basis, it’s worth mentioning that you will have to pay extra for this. 



How is GIO home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
GIO home insurance
7.9

Based on 139
GIO home insurance reviews

7.3 7.8 7.8 7.6 7.8

Latest reviews of GIO Home & Contents Insurance

GIO

GIO Classic Extra Home & Contents home insurance review

Overall rating   5 / 10

Recommend

Good

    Value for money   5 / 10

    Policy coverage   5 / 10

    Customer service   5 / 10

    Claims handling   5 / 10

    Trust   6 / 10

Less

Margaret (NSW), reviewed 4 months ago

GIO

GIO Classic Extra Home & Contents home insurance review

Overall rating   1 / 10

Not explicit enough when signing

Flood & acts of nature were not in the document.

Full review

Flood & acts of nature were not in the document.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   2 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Marianne (NSW), reviewed 6 months ago

GIO

GIO Classic Extra Home & Contents home insurance review

Overall rating   10 / 10

I wouldn't change to any other provider

I am a gold member with GIO and have been with them for many years. I've had claims with them and have always been very happy with their customer service.

Full review

I am a gold member with GIO and have been with them for many years. I've had claims with them and have always been very happy with their customer service.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Mary (NSW), reviewed about 1 year ago

GIO

GIO Classic Extra Home & Contents home insurance review

Overall rating   8 / 10

True to their word

I had a significant claim some time ago which was fully accepted and paid for.

Full review

I had a significant claim some time ago which was fully accepted and paid for.

    Value for money   5 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Glenn (NSW), reviewed over 1 year ago

GIO

GIO Classic Extra Home & Contents home insurance review

Overall rating   0 / 10

Very unhappy with GIO

My parents have been with GIO for over 60 + years. We made four very minor claims and after my father passed away, our meter box blew up and we tried to claim $600.00 (six hundred dollars) for damages. However, there were no return phone calls,...

Full review

My parents have been with GIO for over 60 + years. We made four very minor claims and after my father passed away, our meter box blew up and we tried to claim $600.00 (six hundred dollars) for damages. However, there were no return phone calls, and any sent mail or faxes were declined. I was glad to tell my parents, relatives and friends to cancel their account too.

    Value for money   9 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Gaye (NSW), reviewed over 1 year ago

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Currently showing

Policy and service features

  • 60

  • Yes - Up to 25% of sum insured

  • $100

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

Events

  • Up to 11 years old

Buildings

  • Up to $1,000

  • Up to $1,000

  • Up to 2km

Contents

  • Up to $400

  • Up to $2,500

  • Software and Hardware covered up to sum insured

  • Up to $4,000

  • Up to $5,000 per item

  • Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections

  • Up to $2,500 per item, up to $10,000 in total

  • Up to $700

  • Up to $1,000

  • Up to $1,500

  • Up to $2,000

  • Up to $15,000

Other cover

  • Up to $5,000 for death, up to $7,500 for injury

  • Optional extra

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

  • Up to sum insured

Policy and service features

  • 60

  • Optional Extra - Up to 25% of sum insured

  • $100

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

Events

  • Optional extra

  • Optional extra

Buildings

  • Up to $500

  • Up to 2km

Contents

  • Up to $300

  • Up to $1,500

  • Software and Hardware covered up to sum insured

  • Optional Extra Up to $1,000

  • Up to $2,000 per item

  • Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections

  • Up to $1,000 per item, up to $4,000 in total

  • Up to $500

  • Up to $500

  • Up to $1,000

  • Up to $1,000

  • Up to $10,000

Other cover

  • Up to $5,000 for death or injury

  • Optional extra

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

  • Up to sum insured

Policy and service features

  • 60

  • Yes - Up to 30% of sum insured

  • $100

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

Events

  • Up to 11 years old

Buildings

  • Up to $2,000

  • Up to $2,000

  • Up to 2km

Contents

  • Up to $500

  • Up to $5,000

  • Software and Hardware covered up to sum insured

  • Up to $200,000, up to $50,000 for collections

  • Up to $10,000 per item, up to $40,000 in total

  • Up to $1,000

  • Up to $2,000

  • Up to $5,000

  • Up to $5,000

  • Up to $20,000

Other cover

  • Up to $10,000 for death or injury

  • Optional extra

  • Up to $2,500

  • Up to 24 months, up to 10% of sum insured

  • Up to 12 months, up to $500

  • Up to 20% of sum insured

  • Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 14 days

  • Up to sum insured

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).

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