From our bells-and-whistles Platinum Comprehensive cover to just-the-basics Third Party Property Damage cover, we have car insurance options to suit a wide range of Australians and their needs.
Lifetime new car replacement
Provided you bought the car new and have been continuously insured under GIO Platinum cover from within 13 months of your car's purchase until the time of the total loss, you'll receive a replacement car of the same make and model, or similar make and model if the same isn’t available. Where that is not possible, we will pay you the amount covered or the reasonable cost of replacing your car with a similar make or model, whichever is higher.
Learn more in the Product Disclosure Statement (PDS)
Platinum hire car
If your car has been stolen, you can choose to:
The most we will pay is $100 per day. The benefit stops when:
Limits, terms and conditions apply, see the PDS for full details.
Platinum hire car
If your car is damaged and cannot be safely driven or is in for repairs or has been stolen, you can choose to:
The most we will pay is $100 per day. The benefit stops when:
Limits, terms and conditions apply, see the PDS for full details.
Choice of repairer
You can choose your own repairer or allow us to arrange the repair of your car. Repairs must be approved and authorised by GIO.
Learn more in the Product Disclosure Statement (PDS)
Best coverage
Includes, as standard, a range of features that are unavailable or optional-only with our standard Comprehensive cover — so you'll know you're backed up by our broadest possible coverage every time you hit the road.
Includes:
New car after a total loss for cars less than 2 years old
If your car is a total loss after an incident and is less than 2 years old and you bought the car new from a licensed motor dealer, where possible we’ll replace it with a brand new car of the same make and model (or similar if not available). Where this is not possible, we will instead pay for the amount covered.
If your car is financed, we need consent from your financier before replacement.
*Two year new car replacement is not applicable to GIO Platinum customers who qualify for Lifetime new car replacement instead
Hire car after theft for up to 21 days
After theft of your car, 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:
Limits, terms and conditions apply, see the PDS for full details.
Hire car after a not-at-fault incident
After an incident covered by your policy where your car is damaged and:
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 is a similar make and model available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
Limits, terms and conditions apply, see the PDS for full details.
Choice of repairer
You can choose your own repairer or allow us to arrange the repair of your car. Repairs must be approved and authorised by GIO.
Learn more in the Product Disclosure Statement (PDS)
Most Popular
Helps cover loss of or accidental damage to your car, as well as damage to other vehicles and property for which you might be liable. So if the unexpected strikes, whether you’re at fault or not, you’ll have help getting back on the road.
Includes:
Damage by uninsured drivers at fault
If a vehicle driven by an uninsured driver damages your car, and the driver of your car didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your car, but no more than $5,000 for any one incident.
Hire car after theft for up to 21 days
After theft of your car, 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:
Limits, terms and conditions apply, see the PDS for full details.
Hire car after a not-at-fault incident
After an incident covered by your policy where your car is damaged and:
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 is a similar make and model available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
Limits, terms and conditions apply, see the PDS for full details.
Covers loss of or damage to your car if it's caused by fire or theft, as well as your liablity for damage to other people's cars and property, for example as a result of a car accident.
Includes:
Damage by uninsured drivers at fault
If a vehicle driven by an uninsured driver damages your car, and the driver of your car didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your car, but no more than $5,000 for any one incident.
Covers damage to other people's cars and property for which you might be liable. So if you cause an accident that damages another car, or property you don't own — like a neighbour's fence or letterbox — you won't have to foot the whole bill out of your own pocket.
Includes:
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Flexible cover options#
Choose the level of cover you need and pay annually or monthly.
24/7 claims#
You can lodge a car insurance claim at any time, online or over the phone.
Know where your money goes
It's important to us that you know what you're paying for.
#24/7 claims and flexible cover: This does not apply to CTP or MAI Insurance products
OPTIONAL COVER
FAQs
Learner drivers are automatically insured to drive your car under supervision and there is no need to list them on your policy while they are driving with a learner’s licence.
We cover legal accessories and modifications fitted to your car, with a few exceptions.
Yes, all drivers who you expect will repeatedly drive your car should be listed, apart from learner drivers who are not required to be listed.
If you prefer to, you can choose your own repairer. However, certain approval and assessment conditions must still be met.
If you’ve been involved in an accident, you can make a claim online . You can also click through to read a more comprehensive, step by step guide to help you deal with it.
If you are eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges). Discounts are subject to change without notice. Any discount given will be shown on your certificate of insurance.
Lifetime new car replacement
Provided you bought the car new and have been continuously insured under GIO Platinum cover from within 13 months of your car's purchase until the time of the total loss, you'll receive a replacement car of the same make and model, or similar make and model if the same isn’t available. Where that is not possible, we will pay you the amount covered or the reasonable cost of replacing your car with a similar make or model, whichever is higher.
Learn more in the Product Disclosure Statement (PDS)
New car after a total loss for cars less than 2 years old
If your car is a total loss after an incident and is less than 2 years old and you bought the car new from a licensed motor dealer, where possible we’ll replace it with a brand new car of the same make and model (or similar if not available). Where this is not possible, we will instead pay for the amount covered.
If your car is financed, we need consent from your financier before replacement.
*Two year new car replacement is not applicable to GIO Platinum customers who qualify for Lifetime new car replacement instead
Platinum hire car
If your car is damaged and cannot be safely driven or is in for repairs or has been stolen, you can choose to:
The most we will pay is $100 per day. The benefit stops when:
Limits, terms and conditions apply, see the PDS for full details.
Platinum hire car
If your car has been stolen, you can choose to:
The most we will pay is $100 per day. The benefit stops when:
Limits, terms and conditions apply, see the PDS for full details.
Hire car
Hire car after a no fault accident (for unlimited days) where you can provide the name, address and registration details of the other driver who was at fault.
Please note: A hire car cannot be used by learner drivers or drivers under 25. Terms and conditions apply see the PDS for full details.
Hire car after theft for up to 21 days
After theft of your car, 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:
Limits, terms and conditions apply, see the PDS for full details.
Hire car after a not-at-fault incident
After an incident covered by your policy where your car is damaged and:
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 is a similar make and model available from one of our providers within a reasonable distance of your location, then we will pay you the reasonable cost you incur:
Limits, terms and conditions apply, see the PDS for full details.
Choice of repairer
You can choose your own repairer or allow us to arrange the repair of your car. Repairs must be approved and authorised by GIO.
Learn more in the Product Disclosure Statement (PDS)
Emergency repairs
Up to a total of $1,000 per incident.
Learn more in the Product Disclosure Statement (PDS)
Damage by uninsured drivers at fault
If a vehicle driven by an uninsured driver damages your car, and the driver of your car didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you'll be covered for reasonable costs of repair to your car, but no more than $5,000 for any one incident.
Cover for damage by uninsured drivers
If a vehicle driven by an uninsured driver damages your car and we agree you're not at fault, you'll be covered providing you give us the name, address and registration details of the other driver and vehicle.
Disclaimer
The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873 (Loyalty Corp). To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer.
COOKIE AND DATA POLICY
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AAI LIMITED TRADING AS GIO
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. In accessing the GIO site you agree to the Online Terms and Conditions.
