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GIO Motorcycle Insurance Review

GIO’s comprehensive policy covers the basics, plus a few extras. It’s missing some common perks covered by other brands though, including key replacement.

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Our verdict


  • Choice of repairer and trailer cover are included as standard on comprehensive policies
  • Get a 10% discount if you have at least three insurance policies with GIO
  • Get a hire car for Reasonable costs - Up to 21 days if your bike is stolen


  • GIO only covers motorbikes at Market
    value, with no option for agreed value
  • We found 19 policies that cover key replacement, but GIO doesn't.
  • Business use isn't covered, including food or parcel delivery.

Compare GIO motorcycle insurance policies

Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
GIO Comprehensive Motorcycle Insurance
Finder's summary: GIO offers more than some of its competitors with choice of repairer as standard in the comprehensive policy. This is typically an optional extra.

Who it might be good for: Riders who want the convenience of choosing their own repairer.
GIO Fire, Theft and Third Party Property Damage Motorcycle Insurance
GIO Third Party Property Damage Motorcycle Insurance


The below prices are based on a fictional driver profile and should be used as a guide only. Your own quote will differ based on the model of your motorcycle, your driver history and many other personal circumstances. The below reflects costs for a comprehensive motorcycle insurance policy.
Keep in mind, the best motorcycle insurance for you may depend on more than price.

Provider Annual cost for $7,000 bike Annual cost for $29,000 bike
GIOUnable to get online quote Unable to get online quote
AAMI$1,103.81Phone call needed to confirm quote
Budget Direct$521.81Did not offer insurance.
Suncorp$1,103.29Phone call needed to confirm quote
Mi bike$851.68$2,428.02

What additional cover options are available?

GIO doesn't offer any additional cover options, you can only choose between the three standard policies - third party, third party fire and theft, and comprehensive.

However, you are able to adjust your excess. If you choose a higher excess, your policy premium will be cheaper. If you choose a lower excess, your premium will be more expensive.

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