Car Insurance payments

Thank you for insuring with GIO. To make payments and renewals easy we have a few different options available.

How to renew your Car Insurance

 

Update and renew

It only takes minutes. It’s the perfect time to check your policy so that you’re only paying for the cover you need.

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No need to log in. You’ll just need your Policy Number or Payment Reference Number.

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More ways to renew

What’s covered

It’s important to know what you are covered for.

 

Comprehensive car

What's covered - Comprehensive Car

 

Accidental loss or damage cover

We'll cover you for accidental loss or damage to your car caused by incidents such as hail, storm (including cyclone), flood, fire, theft, collision, and impact.

 

Hire car after a not at fault incident

If your car is damaged by an incident covered by your policy where it cannot be safely driven or is in for repairs, and where you were not at fault, and you can provide the name and address of the person at fault and registration details, we will arrange and pay the reasonable cost of a hire car. See page 34 of the PDS for more information.

 

Malicious damage or vandalism cover

A malicious act is something that is done on purpose, with intent, as opposed to by accident. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details.

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

  Find out more

 

 Platinum

What's covered - Platinum

 

Accidental loss or damage cover

We cover for accidental loss or damage to your car. Examples of accidental loss or damage include hail, storm (including cyclone), flood, fire, theft, collision and impact. 

 

GIO Platinum hire car

If your car is damaged and cannot be safely driven, or is in for repairs or stolen, we can arrange and pay the reasonable cost of a hire car that is a similar make or model to your car after an incident covered by your policy, no matter who is at fault (up to $100/day). For more information refer to page 32 of the PDS.

 

Malicious damage or vandalism cover

A malicious act is something that is done on purpose, with intent, as opposed to by accident.

 

$20 million legal liability cover

 

Provides cover for you, or someone authorised by you to drive your car for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details. 

 

Windscreen and window glass replacement

When the only damage to your car following an accident is the windscreen or window glass (including sun roof), we’ll cover the cost to repair or replace the windscreen or window glass without you having to pay an excess for the first claim in the period of insurance.

Where there is a chipped windscreen, that has not cracked, and can be safely repaired, we will also cover the cost of one repair without you losing your one excess free claim under this additional cover. 

 

Lifetime new car replacement


If your car is stolen or damaged in an incident and we settle your claim as a total loss, we’ll cover the cost to replace it if you bought the car new from a licensed motor dealer and it’s been continuously insured under GIO Platinum cover from within 13 months of your car first being purchased, and we have the consent to replace the vehicle from anyone who finances your car. 

We’ll replace your car with a new car of the same make, model and series to your car within 90 days of us deciding your car is a total loss; or if one isn’t available within the time stated above, provide you with a new car that is available within the time stated above and which is a similar make or model to your car.*

*Applies to policies that have GIO Platinum cover selected on or after 19 June 2018, read the PDS for full details. 
These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

  Find out more

 

Third Party Property Damage cover

What's covered - Third Party Property Damage cover

 

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, 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.

 

Third party property damage for caravans and trailers

Covers damage when your car is towing a caravan or trailer and your caravan or trailer causes loss or damage to another person’s vehicle or property. Refer to page 42 of the PDS for more information. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details.

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

  Find out more

 

Fire, Theft & Third Party Property Damage

What's covered - Fire, Theft & Third Party Property Damage

 

Loss or damage caused by fire and theft

WIn addition to Third Party Property Damage cover, we cover for accidental loss or damage to your car caused by fire (including bushfire) and theft (including attempted theft). The most we will pay for one incident is the amount covered for your car shown on your certificate of insurance, unless we say otherwise in your policy.

 

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 (i.e. the other driver was entirely at fault), and you can provide us with the name, address of the person at fault and the registration number of the fault vehicle, we cover reasonable costs of repair to your car, but no more than $5,000 for any one incident. 

 

Hire car after theft up to 21 days

If your car has been stolen, we will arrange and pay the reasonable cost of a hire care that meets your needs using our provider – we’ll also insure the hire car against accidental loss or damage. See page 33 of the PDS for more information. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details. 

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

  Find out more

Update your policy

WAYS TO SAVE

Discounts we offer

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10% multi-policy discount*^

You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. View T&Cs.

Multi-Policy Discount

$50 NSW CTP Green Slip discount*

When you combine GIO Platinum or GIO Comprehensive Car Insurance with a GIO NSW CTP Green Slip on the same car, with the same registration, you may be eligible for a $50 discount on your next GIO Platinum or GIO Comprehensive premium.

Take control - Things to check

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Your excess

You can choose to lower your premium by increasing your excess within a range we set. This means your premium will be cheaper, but you’ll face higher out-of-pocket costs in the event of a claim. It’s up to you to decide on a balance that suits your needs.

Payment frequency

If you pay your premiums annually, you’ll pay less than if you were to pay in monthly instalments for the same period.

Kilometre driven

Consider how many kilometres you are driving each year. It might be less than what you originally told us. If so, you can adjust your kilometres driven, which may reduce your premium.

Claims free savings

For every year that you don't make an excess payable claim, we'll give you a credit on next year's premium for that car. The longer you keep your policy with us, the greater the credit – from 5% after one year up to 20% after 15 years+ of continuous GIO Platinum or Comprehensive Car Insurance.

Review your optional covers

Check the optional covers you have selected still meet your needs. Adding or removing an optional cover can impact the premium you pay.

Finance

If your car was under finance when you took out your policy, but you’ve since paid it off, log in and ensure that’s reflected. It will result in a reduced premium.

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Get in the know

KNOW MORE

Car Insurance renewal prices explained

Learning more about what affects your GIO Car Insurance renewal premiums can provide both clarity and some control over them.

 

Find out more

What to check at Car Insurance renewal time

Give your Car Insurance a tune up by reviewing your policy at renewal time. You’re less likely to be underinsured and you might even save a little cash in the process!

Find out more

What rewards can I get for being a safe driver?

GIO encourages safe driving with its safe driver rewards program. Find out how you could earn benefits and rewards just by being a safe driver.

 

Find out more

FAQs

 

What's covered - Comprehensive Car

 

Accidental loss or damage cover

We'll cover you for accidental loss or damage to your car caused by incidents such as hail, storm (including cyclone), flood, fire, theft, collision, and impact.

 

Hire car after a not at fault incident

If your car is damaged by an incident covered by your policy where it cannot be safely driven or is in for repairs, and where you were not at fault, and you can provide the name and address of the person at fault and registration details, we will arrange and pay the reasonable cost of a hire car. See page 34 of the PDS for more information.

 

Malicious damage or vandalism cover

A malicious act is something that is done on purpose, with intent, as opposed to by accident. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details.

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

What's covered - Platinum

 

Accidental loss or damage cover

We cover for accidental loss or damage to your car. Examples of accidental loss or damage include hail, storm (including cyclone), flood, fire, theft, collision and impact. 

 

GIO Platinum hire car

If your car is damaged and cannot be safely driven, or is in for repairs or stolen, we can arrange and pay the reasonable cost of a hire car that is a similar make or model to your car after an incident covered by your policy, no matter who is at fault (up to $100/day). For more information refer to page 32 of the PDS.

 

Malicious damage or vandalism cover

A malicious act is something that is done on purpose, with intent, as opposed to by accident.

 

$20 million legal liability cover

 

Provides cover for you, or someone authorised by you to drive your car for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details. 

 

Windscreen and window glass replacement

When the only damage to your car following an accident is the windscreen or window glass (including sun roof), we’ll cover the cost to repair or replace the windscreen or window glass without you having to pay an excess for the first claim in the period of insurance.

Where there is a chipped windscreen, that has not cracked, and can be safely repaired, we will also cover the cost of one repair without you losing your one excess free claim under this additional cover. 

 

Lifetime new car replacement


If your car is stolen or damaged in an incident and we settle your claim as a total loss, we’ll cover the cost to replace it if you bought the car new from a licensed motor dealer and it’s been continuously insured under GIO Platinum cover from within 13 months of your car first being purchased, and we have the consent to replace the vehicle from anyone who finances your car. 

We’ll replace your car with a new car of the same make, model and series to your car within 90 days of us deciding your car is a total loss; or if one isn’t available within the time stated above, provide you with a new car that is available within the time stated above and which is a similar make or model to your car.*

*Applies to policies that have GIO Platinum cover selected on or after 19 June 2018, read the PDS for full details. 
These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

What's covered - Third Party Property Damage cover

 

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, 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.

 

Third party property damage for caravans and trailers

Covers damage when your car is towing a caravan or trailer and your caravan or trailer causes loss or damage to another person’s vehicle or property. Refer to page 42 of the PDS for more information. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details.

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

What's covered - Fire, Theft & Third Party Property Damage

 

Loss or damage caused by fire and theft

WIn addition to Third Party Property Damage cover, we cover for accidental loss or damage to your car caused by fire (including bushfire) and theft (including attempted theft). The most we will pay for one incident is the amount covered for your car shown on your certificate of insurance, unless we say otherwise in your policy.

 

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 (i.e. the other driver was entirely at fault), and you can provide us with the name, address of the person at fault and the registration number of the fault vehicle, we cover reasonable costs of repair to your car, but no more than $5,000 for any one incident. 

 

Hire car after theft up to 21 days

If your car has been stolen, we will arrange and pay the reasonable cost of a hire care that meets your needs using our provider – we’ll also insure the hire car against accidental loss or damage. See page 33 of the PDS for more information. 

 

$20 million legal liability cover

Provides cover for your legal liability up to $20 million for damage to other people’s property arising from the use of your car. Read the PDS for full details. 

These are summaries only, and limits, conditions and exclusions apply. For more info refer to the PDS.

Frequently asked questions
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