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When you insure your home & contents with GIO, you can relax in knowing that if the unexpected happens to your home, we'll help take care of your insurance for you. That's why we've designed our Classic Home & Contents Insurance and after claims service to help things get back on track sooner. GIO Insurance is available in NSW, ACT, VIC, WA & NT. For full details about our Classic Home & Contents Insurance, please refer to our Classic Home & Contents Insurance Product Disclosure Statement (PDS) (PDF, 2442KB). Find out more about the CHOICE Home and Contents Insurance Report |
Key features of GIO Classic Home & Contents Insurance
| Feature | Description |
|---|---|
| Cover for Insured Events |
You are covered against loss or damage as a result of
12 Insured Events. Some of these include:
|
| Automatic flood cover | All Classic Home & Contents Insurance customers have our automatic flood cover for all types of flood caused by rain. |
| Eco-friendly insurance features |
We will pay up to $2,500 of the net cost of installing a rainwater storage solution
or solar powered heating facility when we rebuild or repair your home when at least
80% of your home is damaged by an insured incident. When we replace new for old, we replace your damaged white goods with ones of equal specification that have a minimum 3 star energy rating, even if the item originally had a lower rating. |
| Extra cover for your home | Safety Net gives you extra home cover. If your home is damaged by an insured event and the repair or replacement cost exceeds the sum insured, we will if necessary pay up to an extra 25% of your home sum insured to repair damage, replace your home or pay you what it would cost us to repair or replace your home. |
| Lifetime Guarantee on home repairs | For peace of mind, GIO guarantees the quality of materials and workmanship of home repairs that we authorise and arrange for the lifetime of your home. |
| Additional features at no extra cost |
GIO includes a number of
Additional Features at no extra cost, such as:
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| Only one excess to pay | When you make a claim for both home & contents for the same event, you only have to pay one excess. |
| Choose to make one annual payment, or to pay by the month |
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Optional Classic Home & Contents Insurance Covers
Tailor your Classic Home & Contents Insurance cover to suit your needs with the choice of 5 Optional Covers, such as:
| Cover | Description |
|---|---|
| Injury to pet dogs and cats | Your pet dog or cat will be covered up to $500 for necessary veterinary treatment if they are injured in an accident during the period of insurance. |
| Motor burnout | You will be covered for the burning out or fusing of household electric motors less than 11 years old, which are part of the insured Home or Contents. |
| Accidental damage | We will cover you for accidental loss or damage at the insured address such as accidentally dropping a heavy saucepan onto your kitchen tiles (Home cover) or accidentally spilling a bottle of red wine on your carpet (Contents cover). |
Discounts and ways to save on your policy
- Save 15% off the combined premium when you combine your home and its contents onto one policy.
- Choose a higher excess to reduce your premium
- Installing extra security at your home may also reduce your premium
- You may be eligible for a Multiple Policy Discount if you have other insurance products with us such as Comprehensive Car Insurance or compulsory third party
Next Steps - Classic Home and contents insurance
- Get a Classic Home & Contents insurance quote online or call 13 10 10
- If you already have a quote, you can apply online for cover
- Find out about insurance perils such as fire, theft and storm in your suburb with our Postcode Profiler
- Use our Home & Contents calculators as a guide to estimate the amount of cover you need
- Download our Virtual Safe to keep an inventory of your Home & Contents items and documents
- Make a claim
Important Information
Classic Home & Contents Insurance Product Disclosure Statement
Classic Home & Contents Insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the Product Disclosure Statement and any Supplementary Product Disclosure Statement (PDF, 2442KB) before you make any decision regarding this product. Contact us for a copy. Download Adobe Reader to view this PDF file.
Queensland, South Australian and Tasmanian residents
GIO provides insurance in NSW, ACT, VIC, WA & NT. GIO does not currently provide insurance in Queensland, South Australia and Tasmania.
- In Queensland you can apply for insurance cover with Suncorp Metway Insurance Limited (Suncorp) (GIO's parent company).
- In South Australia you can apply for cover with RAA Insurance Limited (RAA) (a joint venture between RAA and Suncorp).
- In Tasmania you can apply for cover with RACT Insurance.