Third Party Property Damage Insurance provides cover for your legal liability for the damage
your car accidentally causes to other people's vehicles or property up to $20 million. It also
provides cover for your own car up to $5,000 should you be in an accident where the other driver
or vehicle has no insurance and where we agree that you were not at fault and you can provide us
with the name, address and registration details of the other driver.
Fire, Theft and Third Party Property Damage Cover provides all the cover of Third Party Property Damage Cover plus cover for accidental loss of or damage to your vehicle caused by fire or theft and a range of additional features and benefits.
Features of Third Party Property Damage Cover include:
- Cover for damage to other people's property
Third party property damage provides cover for your legal liability up to $20 million for loss or damage that your car causes to other people's property.
- Cover for damage by uninsured drivers
GIO provides cover up to $5,000 for damage caused to your car by an uninsured driver when we agree you are not at fault and you can provide us with the name, address and registration details of the other driver.
- Automatic cover for a substitute car
If your vehicle can't be driven, we will cover you for third party property damage when you use another vehicle, if you have the legal use of this vehicle and it does not belong to you. It does not cover any damage to the substitute vehicle. This cover is for 14 days from the day your vehicle was not driveable.
- Cover when replacing your vehicle
Up to 14 days cover of the same type as previous cover provided for your replacement vehicle if you tell us about the change within 14 days of your purchase and we agree to cover your replacement vehicle.
- 24 Hour Claims Service
We have a dedicated claims hotline providing a paperless claims service where you can talk to someone 24 hours a day, every day of the year.
- Choose to make one annual payment or to pay by the month
Learn more about Pay by the Month (fee applies).
Fire, Theft and Third Party Property Damage Cover includes the cover provided by Third Party Property Damage Cover and also provides cover for accidental loss of or damage to your vehicle caused by fire or theft. Fire, Theft and Third Party Property Damage Cover also provides additional features including:
- Emergency travel and accommodation
We'll pay up to $500 for emergency travel and accommodation after a fire or theft event that was more than 100 km from your home and the car is un-roadworthy or unsafe to drive.
- Hire car after theft for up to 14 days
We'll arrange and pay for a 'small' category hire car for up to 14 days if your car is stolen and either not found or is found but is not driveable. You are responsible for running costs and extras of the hire car including any deposit or upgrade.
- Emergency repairs
We'll pay up to $500 if you need emergency repairs so you can get your car to your destination, a Recommended Repairer or another repairer after a fire or theft event.
- Replacement of locks and stolen keys
If your car keys are stolen we will pay up to $1,000 to replace the keys and/or recoding your car's locks.
- No excess to pay if we agree you were not at fault
You will pay no excess if you can provide the registration details, name and address of the driver at fault.
- Driver fatality
We'll pay $5,000 to the estate of a person who died from injuries caused by a fire or theft event while the person was driving your vehicle.
- Towing and storage costs
After a fire or theft event we'll pay costs for towing your car to our nearest Assessing
Centre, a Recommended Repairer or another repairer agreed to by us if your vehicle is
un-roadworthy or unsafe to drive. We will also pay costs for storing your vehicle after
your claim is lodged until your claim is settled.
The following discounts or ways to save on your GIO insurance premium may be available for both Third Party Property Damage and Fire, Theft and Third Party Property Damage Covers -
- Multi-policy discounts
Receive a 5% discount off your premium if you hold 3 or more eligible insurance policies with GIO. Click here for details of eligible policies.
- Seniors Card discount
GIO offers Seniors Card holders a discount of at least 5% off their third party property damage insurance
- Increase your excess
By increasing your excess within the range of excess amounts we offer you can reduce your premium.
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Motor Vehicle Insurance Product Disclosure Statement
Please read the Product Disclosure Statement before you make any decision regarding this product. Motor Vehicle Insurance is issued by GIO General Limited ABN 22 002 861 583.
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