Home 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 Home, Contents & Landlord Insurance

 

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More ways to renew

What’s covered

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

 

Insured events

What's covered - Events

 

Flood

‘Flood’ means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, dam, river. We do not cover floods in the first 72 hours of cover, and there are some things we don’t cover loss or damage to including: retaining walls, sea walls, garden borders and free-standing outdoor walls. Read the PDS for full details. 

 

Storm or storm surge

Storm means a storm, cyclone, or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

Storm surge means a rush of water onshore associated with a low-pressure system and caused by strong winds pushing on the ocean’s surface. It does not include actions or movement of the sea. The loss or damage caused by storm surge must happen at the same time as the other insured damage caused by storm – read page 44 of the PDS for more information.

We do not cover storm or storm surge in the first 72 hours of cover. Read the PDS for full details.

 

Lightning

We cover loss or damage caused by lightning (including a power surge caused by lightning), provided that a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

We don’t provide cover for loss or damage caused by power failure or surges by your power provider – please read page 45 of the PDS for more information. 

 

Fire (including bushfire)

Fire means burning with flames. We provide cover for loss or damage from heat, ash, soot, and smoke that is the direct result of a fire within 100 metres of the insured address. We don’t cover loss or damage from things like arcing, scorching or cigarette burns. If there is a bushfire in your area, we also cover the costs of replacing water in any tank, container, pool, spa, or other water storage vessel where the water has been used to limit the spread of bushfires at your address, and the cost of cleaning any fire retardant off your home. The most we will pay under Extra Costs cover is $1,000 for any one incident, read page 46 of the PDS for more information. We don’t provide cover for bushfires in the first 72 hours of your policy.

 

Earthquake and Tsunami

We cover damage caused in the first 72 hours after an earthquake or tsunami. A tsunami is not considered an action or movement of the sea.

 

Theft or burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items. We don't cover loss or damage caused by anyone living at the insured address, and there are other exclusions so please read the PDS for full details.

 

Impact

We cover damage caused by an impact from a falling tree, an object falling from a car and even space debris at the insured address. However, we don’t provide cover for loss or damage caused by trees being lopped, felled or transplanted by you – read page 49 of the PDS for more information.

 

Escape of liquid

We cover damage caused by liquid leaking, overflowing or bursting from white goods, fixed pipes and drains, fixed tanks, swimming pools or waterbeds. We don’t provide cover for loss or damage caused by a gradual process of liquid leaking, wear and tear, mould and rot nor cover damage caused by liquid leaking from a portable container or liquid leaking from showers – refer to pages 47 and 48 of the PDS for more information.

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

Which events are covered (flood, fire, theft)?

 

Building

What's covered - What’s included as part of the building?

 

Temporary accommodation – home owners

If you can't live in your home after an incident covered by your policy, we'll pay for your reasonable and necessary temporary accommodation costs for the time it will take to repair or rebuild your home so that it can be lived in again. For Classic and Classic Extras, the most we will pay under one incident is 10% of the home sum insured (15% with Platinum cover). Read the PDS for full details.

 

$20 million legal liability cover

 

Provides up to $20 million to pay compensation, for injury or death to other people, or loss or damage to their property, resulting from an incident which happens in connection to you owning or living in the home at the insured address, including all associated legal costs.

For example, if you have home cover and during the period of insurance, someone falls down your stairs and sustains bodily injury, and you’re held legally liable, we pay compensation if damages were sought from you. Read the PDS for full details.

 

New for old replacement

New for old means:

  • New materials, new items;
  • New for old, regardless of age;
  • Same type, standard and specification as when new (or if not reasonably available from an Australian supplier, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle home and contents claims, refer to the PDS.

 

Accidental glass breakage

Glass breakage that occurs by accident, i.e., that you did not intend or expect to happen.

When you have home cover, we cover things like fixed glass in windows, fixed mirrors, sinks and the glass parts of fixed cooking appliances. We don’t cover things like glass in a greenhouse, drinking glasses and chips or scratches to the surface of the glass.

If you have selected the optional cover 'Excess-free Glass’ cover, you may not have to pay an excess when your claim is only for accidental breakage of fixed glass in windows, doors, skylights, shower screen, and mirrors fixed to the home. For full details, refer to the PDS.

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

What’s included as part of the building?

 

Contents

What's covered - Contents

 

Loss or damage to your contents

We cover loss or damage to your contents at the insured address caused by an insured event in the period of insurance.

 

Contents in transit

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. 

 

Food and medication spoilage

We will cover spoilage of refrigerated food, frozen food and refrigerated medicines at the insured address during the period of insurance caused by an insured event (up to $500 for Classic, $1000 for Classic Extras and $2000 for Platinum). For more info, see page 71 of the PDS. 

 

Storage of undamaged contents

When we cover loss or damage to your contents and the undamaged contents can’t be kept at the insured address, we’ll pay the reasonable cost to store the undamaged contents until they can be kept at your home up to 10% of your contents sum insured (20% for Platinum). 

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

What’s included as part of contents?

Update your policy

WAYS TO SAVE

Discounts we offer and things to check

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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

15% Home and Contents combined discount^

Save 15% on your policy when you combine your home insurance and your contents insurance into one policy with us.

10% online discount*

Get 10% Off Your First Year When You Buy Online!*

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.

Your property details

Double-check the property details listed on your policy. Things like the building materials and room sizes, which affect your premium. If there’s something that doesn’t seem completely accurate, or if you’ve made some changes or improvements, fixing that up may alter your premium. This may mean an increase or a decrease, but your policy will be accurate.

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CALCULATORS

How to renew your Home, Contents & Landlord Insurance

Use the GIO Home Building and Contents calculators to estimate the cost of replacing what matters to you, so you can choose a sum insured you’re confident in. 

 

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.

GIO Home Building calculator

 

Estimate your contents coverage

This calculator can help you estimate the cost to replace your contents so you can choose the amount of cover you need.

GIO Home Contents calculator

Get in the know

KNOW MORE

Why has my Home Insurance renewal gone up?

You may have noticed your home insurance renewal price increasing. Know more about why, and which factors are and aren’t within your control. 
 

 

Find out more

Tips on getting the most from your home and contents insurance

Home and contents insurance isn’t set and forget. Make sure your home and contents insurance is up to date, so that if you need to claim you’re still fully covered.

Find out more

How much should you insure your house for?

Learn how to calculate your home and contents replacement costs and what you can do to avoid underinsurance.


 

Find out more

FAQs

 

What's covered - Events

 

Flood

‘Flood’ means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, dam, river. We do not cover floods in the first 72 hours of cover, and there are some things we don’t cover loss or damage to including: retaining walls, sea walls, garden borders and free-standing outdoor walls. Read the PDS for full details. 

 

Storm or storm surge

Storm means a storm, cyclone, or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

Storm surge means a rush of water onshore associated with a low-pressure system and caused by strong winds pushing on the ocean’s surface. It does not include actions or movement of the sea. The loss or damage caused by storm surge must happen at the same time as the other insured damage caused by storm – read page 44 of the PDS for more information.

We do not cover storm or storm surge in the first 72 hours of cover. Read the PDS for full details.

 

Lightning

We cover loss or damage caused by lightning (including a power surge caused by lightning), provided that a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

We don’t provide cover for loss or damage caused by power failure or surges by your power provider – please read page 45 of the PDS for more information. 

 

Fire (including bushfire)

Fire means burning with flames. We provide cover for loss or damage from heat, ash, soot, and smoke that is the direct result of a fire within 100 metres of the insured address. We don’t cover loss or damage from things like arcing, scorching or cigarette burns. If there is a bushfire in your area, we also cover the costs of replacing water in any tank, container, pool, spa, or other water storage vessel where the water has been used to limit the spread of bushfires at your address, and the cost of cleaning any fire retardant off your home. The most we will pay under Extra Costs cover is $1,000 for any one incident, read page 46 of the PDS for more information. We don’t provide cover for bushfires in the first 72 hours of your policy.

 

Earthquake and Tsunami

We cover damage caused in the first 72 hours after an earthquake or tsunami. A tsunami is not considered an action or movement of the sea.

 

Theft or burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items. We don't cover loss or damage caused by anyone living at the insured address, and there are other exclusions so please read the PDS for full details.

 

Impact

We cover damage caused by an impact from a falling tree, an object falling from a car and even space debris at the insured address. However, we don’t provide cover for loss or damage caused by trees being lopped, felled or transplanted by you – read page 49 of the PDS for more information.

 

Escape of liquid

We cover damage caused by liquid leaking, overflowing or bursting from white goods, fixed pipes and drains, fixed tanks, swimming pools or waterbeds. We don’t provide cover for loss or damage caused by a gradual process of liquid leaking, wear and tear, mould and rot nor cover damage caused by liquid leaking from a portable container or liquid leaking from showers – refer to pages 47 and 48 of the PDS for more information.

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

What's covered - What’s included as part of the building?

 

Temporary accommodation – home owners

If you can't live in your home after an incident covered by your policy, we'll pay for your reasonable and necessary temporary accommodation costs for the time it will take to repair or rebuild your home so that it can be lived in again. For Classic and Classic Extras, the most we will pay under one incident is 10% of the home sum insured (15% with Platinum cover). Read the PDS for full details.

 

$20 million legal liability cover

 

Provides up to $20 million to pay compensation, for injury or death to other people, or loss or damage to their property, resulting from an incident which happens in connection to you owning or living in the home at the insured address, including all associated legal costs.

For example, if you have home cover and during the period of insurance, someone falls down your stairs and sustains bodily injury, and you’re held legally liable, we pay compensation if damages were sought from you. Read the PDS for full details.

 

New for old replacement

New for old means:

  • New materials, new items;
  • New for old, regardless of age;
  • Same type, standard and specification as when new (or if not reasonably available from an Australian supplier, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle home and contents claims, refer to the PDS.

 

Accidental glass breakage

Glass breakage that occurs by accident, i.e., that you did not intend or expect to happen.

When you have home cover, we cover things like fixed glass in windows, fixed mirrors, sinks and the glass parts of fixed cooking appliances. We don’t cover things like glass in a greenhouse, drinking glasses and chips or scratches to the surface of the glass.

If you have selected the optional cover 'Excess-free Glass’ cover, you may not have to pay an excess when your claim is only for accidental breakage of fixed glass in windows, doors, skylights, shower screen, and mirrors fixed to the home. For full details, refer to the PDS.

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

What's covered - Contents

 

Loss or damage to your contents

We cover loss or damage to your contents at the insured address caused by an insured event in the period of insurance.

 

Contents in transit

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. 

 

Food and medication spoilage

We will cover spoilage of refrigerated food, frozen food and refrigerated medicines at the insured address during the period of insurance caused by an insured event (up to $500 for Classic, $1000 for Classic Extras and $2000 for Platinum). For more info, see page 71 of the PDS. 

 

Storage of undamaged contents

When we cover loss or damage to your contents and the undamaged contents can’t be kept at the insured address, we’ll pay the reasonable cost to store the undamaged contents until they can be kept at your home up to 10% of your contents sum insured (20% for Platinum). 

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

Frequently asked questions
For making a payment

Important information

*If you’re eligible for more than one discount, we apply them in a pre-set order to the discounted premium, before government taxes and charges.
^Discount not applicable to GIO Roadside Assist, GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.