GIO car insurance review

GIO offers strong cover at a low price. However, drivers in QLD, SA and TAS will have to look elsewhere.

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Nicola Middlemiss

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Our verdict

Pros

  • GIO's premiums were cheaper than average across all age brackets
  • Young drivers were quoted 45% cheaper than average for their age group
  • Up to $1,500 covered for tools of trade

Cons

  • No cover available in QLD, SA, or TAS
  • You won't be covered if you accidentally fill up with the wrong fuel
  • New car replacement only offered up to 2 years - some brands offer 3

How does GIO car insurance compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results
Updated regularly
Sample quote
Sample quote
$1,117.48
Get Quote More info
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Gio logo
GIO Comprehensive
Sample quote
$2,519.55
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NRMA logo
NRMA Comprehensive
Most Loved
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$2,166.09
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AAMI logo
AAMI Comprehensive Car Insurance
Sample quote
$2,075.50
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Allianz logo
Allianz Comprehensive
Sample quote
$1,917.48
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Showing 5 of 5 results

GIO is great value for money with all the features others have as well as excellent customer service

Anonymous, NSW

Anonymous, NSW

GIO is fair with its claims and pricing

Anonymous, NSW

Anonymous, NSW

Have had to make Claim in the last twelve months. GIO was fast and efficient. Staff were very helpful and always polite

Anonymous, NSW

Anonymous, NSW

So hard to get information from and so long in accessing damage. Customer service is poor

Jane, NSW

Jane, NSW

Always ready to assist, helpful and friendly staff

Anonymous, NSW

Anonymous, NSW

Great service. Always very professional & friendly

Nicole, NSW

Nicole, NSW

They can be elusive with information and hard to understand about specific questions. On hold for a lengthy period of time and are ambiguous with answers

Anonymous, NSW

Anonymous, NSW

Compare GIO's policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Gio logo
Finder Score
Not scored yet
GIO Comprehensive
Finder Score
Not scored yet
Optional
  • Replacement cost of new car
  • Reasonable costs - Up to 21 days
    • Get 10% off when you buy online. T&Cs apply.
    Summary: Gio comprehensive policy includes lifetime repair guarantee on all authorised repairs, accidental loss or damage cover and up to $1,000 trailer cover. Optional covers for windscreen and window glass replacement and roadside assistance are available on paying extra.

    Who it might be good for: People with another policy from GIO can take advantage of its multi-policy discount.
    More info
    Compare product selection
    Gio logo
    Finder Score
    Not scored yet
    GIO Platinum Cover
    Finder Score
    Not scored yet
    Optional
  • Replacement cost of new car
  • Unlimited - Up to 21 days
    • More info
    Compare product selection
    Gio logo
    Finder Score
    Not scored yet
    GIO Third Party Fire and Theft
    Finder Score
    Not scored yet
  • Reasonable costs - Up to 21 days
    • More info
    Compare product selection
    Gio logo
    Finder Score
    6.4 Standard
    GIO Third Party Property Damage
    Finder Score
    6.4 Standard
    • More info
    Compare product selection
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    Finder Awards badge

    Congratulations, GIO!

    GIO received the following awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - NSW' - Most Trusted Brand (Winner)
    • 'Car Insurance - NSW' - Loved Brand (Highly Commended)
    • 'Car Insurance - NSW' - Quality Service Brand (Highly Commended)
    Full list of 2024 winners

    What additional cover options are available?

    • Hire car after an event - Get a hire car for Up to $75 per day - Up to 21 days after any insured event that puts your car out of action
    • Windscreen and window glass replacement - Get one free glass replacement and repair a year, without paying any excess
    • Roadside assistance - Add 24/7 roadside recovery to your policy
    • Market value cover - Insure your car for market value, instead of agreed value, to lower the cost of your premiums

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
    More resources on Finder

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    2 Responses

      Default Gravatar
      RaviMay 17, 2017

      Gio covers ride share ?
      Like uber ?

      Thanks

        Default GravatarFinder
        ZubairMay 17, 2017Finder

        Hi Ravi,

        Thank you for your question.

        You have contacted finderc.om.au, a comparison and information service and not actually GIO Car Insurance.

        GIO Car Insurance does not offer rideshare cover. To check the list of providers who offer cover for rideshare, please head to our rideshare car insurance page.

        Cheers,
        Zubair

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