Ways to Save
Look out for the things you love and save a bit of money while you’re at it
GIO offers many ways to save on your premium without cutting corners on cover.
Select insurance type:
Discounts for GIO Platinum or Comprehensive Car Insurance customers
10% multi-policy discount*^
Be rewarded with 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.
10% family discount*
If you're under 25 years old and one of your parents also has GIO Platinum or GIO comprehensive car insurance-you need to let us know, you may be eligible to receive 10% off your own GIO comprehensive premium.
$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.
10% first year online discount*
Get 10% off your first year when you quote and buy online.
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 with no excess payable claims.
Discounts not applied to Optional Roadside Assist cover. Discounts are available while they are still offered. Discounts are applied in a set order to the already discounted premium.
Taxes and charges aren’t discounted.
Make the most of your discounts and see how much you could save.
Take control of your policy
Things you can check that could help you save on your premium
Finance
If your car was under finance when you took out your policy, but you’ve paid it off, update this information on your policy online. It’s likely to result in a reduced premium.
Kilometres driven
If you're driving less on average throughout the year, update your kilometres per year. Doing so may reduce your premium a little.
Listed drivers
Anybody who drives your car regularly or from time to time should be listed on your policy. Check the listed drivers on your policy are still correct.
Optional covers
Check if the optional covers still meet your needs. Adding or removing an optional cover impacts the premium you pay.
Payment frequency
If you pay your premiums annually, you’ll pay less than paying monthly.
Your address
Your location can affect your premium, based on that location’s level of risk, so if you've moved, updating your address could result in your payments being adjusted.
Your car's details
If you’ve bought a new car, log in and update your policy within 14 days. You may be entitled to a refund if your new car costs less to insure.
Your excess
You can lower your premium by increasing your excess on eligible policies. So, your premium will be cheaper, but you’ll face higher out-of-pocket costs if you make a claim where you need to pay the excess.
Amount covered
You can select the amount for which your car is covered within a certain range on GIO Platinum and Comprehensive Car Insurance policies. A lower amount usually results in a lower premium. Lowering your premium may mean you won’t have sufficient coverage to replace your car with the same model and condition should you ever need to claim, so consider what’s right for you.
A quick policy check can help you see if you’re only paying what you need. You can easily update your policy details online.
Important information
GIO's online services are not available, or not fully available, for all GIO branded products, policy types or claim types. See GIO's Online Terms for further information.
This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
If you’re eligible for more than one discount, we apply them in a pre-set order to the already discounted premium, before government taxes and charges. Discounts may be withdrawn from offer or changed.
*Discounts not applicable to GIO Roadside Assist, GIO Home Assist or Excess-free Glass optional covers.
^Discounts not applicable to Domestic Workers Compensation optional cover.
How to save on your Home Insurance
10% multi-policy discount*^
Be rewarded with 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.
10% first year online discount^
Get 10% off your first year when you quote and buy online.
15% Home and Contents combined discount^
Save up to 15% on your policy when you combine your GIO Home Insurance and Contents Insurance into one policy with us.
Seniors card discount^
Let us know if you have a seniors card. We reward you with a 6% discount for being a seniors card holder.
Increase your excess
You’re in control of how much you pay or save when you buy or renew. With a range of excess options to choose from, the more you increase your excess the lower your premium will be but you will have higher out of pocket costs if you make a claim where you need to pay the excess.
Discounts not applied to Optional Home Assist or Excess-Free Glass (or when offered, Domestic Workers Compensation). Discounts are available while they are still offered. Discounts are applied in a set order to the already discounted premium. Taxes and charges aren’t discounted.
Make the most of your discounts and see how much you could save.
Important Information
If you’re eligible for more than one discount, we apply them in a pre-set order to the already discounted premium, before government taxes and charges. Discounts may be withdrawn from offer or changed.
*Discounts not applicable to GIO Roadside Assist, GIO Home Assist or Excess-free Glass optional covers.
^Discounts not applicable to Domestic Workers Compensation optional cover.
