Comprehensive Car Insurance

If your car's written off or stolen within the first two years of registration, we'll replace it with a brand new car of the same make and model, if available, providing you bought it new. Not applicable to GIO Platinum customers who qualify for lifetime new car replacement instead.

If your car's written off or stolen, we'll replace it with a brand new car of a similar make and model, no matter how old it gets, providing you bought it new, and it's been insured continuously with us within 13 months of the purchase.

Enjoy the convenience of a hire car for up to 14 days if your car can't be driven, is being repaired or is stolen. We'll also insure the hire car against accidental loss and damage.

Please note: Learner drivers are not covered under the Hire Car option.

If your claim's been accepted and your car can't be driven, is stolen or is being repaired, we can arrange and pay for the reasonable cost of a hire car, up to $90 per day, that's a similar make and model to yours until yours is returned to you or your claim is settled. We'll also insure the hire car against accidental loss and damage.

Please note: Learner drivers are not covered under the Hire Car option.

If your windscreen or window glass, including sun roof, is the only damage sustained we'll replace or repair the damage. Includes one excess free claim per year.

A malicious act is something that is done on purpose, with intent, as opposed to by accident. This includes things like graffiti or key marks on your car.

If your car's stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive.

If your car's stolen or damaged by fire, we'll pay reasonable costs for emergency repairs and if the incident was more than 100km from home we'll also pay travel and accommodation costs if the car's not roadworthy or safe to drive. 

This is the amount you insure your motorcycle for.

Covers items you own or are legally responsible for when they are in your caravan, annexe or in your garden shed if you have on-site only cover.

Contents are things like your fridge and other portable household electrical appliances, clothing, laptops, cameras, jewellery, fishing equipment and bicycles. It doesn’t include things like your mobile phone, or tent.

If your motorcycle’s stolen or damaged, we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.

If your motorcycle’s stolen or damaged by fire (including bushfire), we'll pay reasonable costs for emergency repairs and if the incident was more than 100 km from home we'll also pay travel and accommodation costs if the motorcycle’s not roadworthy or safe to drive.

Provides up to $10 million to pay compensation for death or injury to other people, or loss or damage to their property that you’re held legally responsible for.

Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your car if you or someone you authorise is driving.

Provides you, or someone you authorise to ride your motorcycle, with up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your motorcycle.

If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the car. If a defect arises as a result of faulty materials or workmanship, even if you no longer own it, we'll rectify the problem. 

If we authorise the repairs, we guarantee the quality of the materials and workmanship for the life of the caravan. If a defect arises as a result of faulty materials or workmanship, we'll rectify the problem.

A malicious act is something that is done on purpose, with intent, as opposed to by accident for example, graffiti or vandals damaging your boat.

Covers motors in household equipment and appliances under 15 years old if they burnout due to an electrical current in your caravan or annexe. This includes the motor in things like your fridge and air conditioning.

If your boat hull, motor or trailer is a write off and is less than 2 years old, we’ll pay the costs to replace it with a new one of the same, or similar, model or specification.

If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).

If your motorcycle claim is accepted as a total loss within the first two years of registration, we'll replace it with a new motorcycle of the same make and model (or similar make and model if the same is not available), providing you're the first registered owner.

Covers accidental damage and loss up to $500 to personal items like your mobile phone, laptop or clothing stored in a secure compartment on your motorcycle. It doesn’t include cash, jewellery, tools and other items used for work.

After theft of your motorcycle, we will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).

If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:

• in hiring a car that meets your transport needs; or 
• in arranging alternative transport.

Limits, terms and conditions apply, see the PDS for full details

If your caravan cannot be lived in we’ll pay up to $150 per day for:

• up to 30 days if the caravan is your usual home
• up to 14 days if you were living in the caravan more than 100 km away from your usual home
• up to 3 days if you were living in the caravan within 100 km of your usual home.

We will also pay up to $300 in total to accommodate any domestic pet travelling with you.

If your domestic pet is injured after being hit by a vehicle we’ll pay the veterinary expenses, up to $500 as long as the pet was travelling or living in your caravan.

Provides up to $20 million to pay compensation for loss or damage to another person's vehicle or property caused by your caravan if you or someone you authorise is driving.

Extend your insurance to include your annexe when it's being used as accommodation with this optional cover 

With GIO Caravan Insurance, your contents are covered up to $1,000 as standard (sub-limits apply). You can increase the amount covered for your contents by adding this optional cover.

If you're the first owner of the caravan and your claim is accepted as a total loss in the first two years of registration, we'll replace it with a brand new caravan of the same make and model (or similar make and model if the same isn't available).

Note: the reference to 'caravan' means the trailer or horse float which you have insured.

We'll cover you for accidental loss or damage from incidents such as hail, storm, flood, fire, theft, collision and impact.