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At GIO we understand your home, possessions and lifestyle are important to you. That's why we've designed Platinum Home & Contents Insurance - our highest level of protection for your home and valuable possessions. If you are seeking a higher level of cover and have a minimum home sum insured of $350,000 and/or a minimum contents sum insured of $120,000, you are eligible to apply for Platinum Home & Contents Insurance. GIO Insurance is available in NSW, ACT, VIC, WA & NT. For full details about our Platinum Cover, please refer to our Platinum Home & Contents Insurance Product Disclosure Statement (PDS) (PDF, 560KB). These features of Platinum Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal. |
Key features of GIO Platinum Home & Contents Insurance
| Feature | Description |
|---|---|
| Cover for your belongings - in AND away from your home | When you are away from your home, Platinum Insurance will also cover most contents items such as your mobile phone, laptop, golf clubs, cameras and jewellery for accidental loss, damage or theft anywhere in Australia and New Zealand for up to 6 six months. |
| Cover for accidental damage for mishaps | Cover for the following:
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| Higher limits on valuables | Platinum insurance provides higher limits on valuables such as jewellery, silverware, paintings and artworks so you don't have to list as many high value items. |
| Automatic flood cover | From 1 July 2008, all new and existing Home & Contents Insurance customers will have our automatic flood cover for all types of flood caused by rain. Click here to learn more about our flood cover. |
| 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 specifications that have a minimum 3 star energy rating, even if your item originally had a lower rating. |
| Extra cover for your home | Safety Net gives extra home cover. If your home is damaged by an insured incident and the repair or replacement cost exceeds the sum insured, we will if necessary pay up to an extra 30% 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 | GIO Platinum Insurance includes a number of Additional
Features 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 Covers for Platinum Home & Contents Insurance
Tailor your insurance cover to suit your needs with the choice of 3 Optional Covers, such as:
| Cover | Description | ||
|---|---|---|---|
| Injury to Pet Dogs and Cats | We will pay up to $2,000 for veterinary treatment from any one accident. | ||
| Mortgagee's Interest for Unit Owners | Only available if you insure contents in the unit. | ||
| Domestic Workers Compensation (Only available in NSW*, ACT and WA)
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We will insure your legal liability to pay workers compensation to your domestic employee (eg a nanny, gardener etc). |
Discounts and ways to save on your policy
- A 10% premium discount for being 55 or over
- An additional 5% premium discount if you are 60 or over and hold a Seniors Card
- Combine your home and its contents onto one policy and save 15% off the combined premium
- 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
Next Steps - Platinum Home & Contents insurance
- Get a Platinum 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 in your suburb with our Postcode Profiler
- Use our calculators as 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
Platinum Product Disclosure Statement
Platinum Home & Contents Insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the Platinum Home & Contents Product Disclosure Statement and any Supplementary Product Disclosure Statement (PDF, 560KB) before you make any decisions regarding any of these products. Contact us for a copy.
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These features of Platinum Home & Contents Insurance are available to new customers from 1 July 2008 and to existing Home & Contents Insurance customers upon renewal.
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.