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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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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 compare with other car insurers?

As part of the 2024 Finder car insurance awards, we compared over 30 comprehensive car insurance policies. GIO is one of the cheaper car insurers and it offers a good range of benefits, and high limits. However, cover isn't available to drivers in QLD, SA and TAS.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
GIO Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder's 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.

    ⭐ Current offer: Get 10% off when you buy online. T&Cs apply.

    Who it might be good for: People with another policy from GIO can take advantage of its multi-policy discount.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    GIO's policies are cheaper than average with young drivers and drivers over 60 seeing particularly good premiums for their age bracket. Keep in mind, the best car insurance for you may depend on more than just price.

    The below prices are based on a fictional profile, your own quote will differ.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    GIO logo$2,010n/an/an/a$1,529$1,296$806More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare GIO's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    GIO Platinum Cover
    Optional
  • Unlimited - Up to 21 days
  • GIO Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
  • Finder's 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.

    ⭐ Current offer: Get 10% off when you buy online. T&Cs apply.

    Who it might be good for: People with another policy from GIO can take advantage of its multi-policy discount.
    GIO Third Party Fire and Theft
  • Reasonable costs - Up to 21 days
  • GIO Third Party Property Damage
  • loading

    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

    Why you can trust Finder's car insurance experts

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    We're free

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    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
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    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
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    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs

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    2 Responses

      Default Gravatar
      RaviMay 17, 2017

      Gio covers ride share ?
      Like uber ?

      Thanks

        AvatarFinder
        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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