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.
Pros
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
Cons
GIO only covers motorbikes at 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
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Price
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.
We currently don't have that product, but here are others to consider:
How we picked these
*Quotes were sourced on the following profile:
30 years old, 5+ years licensed
Male
No finance
Private use of motorcycle
Adjusted excess to $500 where possible
Motorcycle is parked in a locked garage
Exclude drivers under 25
No additional driver
Start date of policy 31 March 2026
No discounts, no memberships, no add-ons
Drives 4,000–8,000km per year
Located in Sydney NSW, 2011
2022 Yamaha MT-09A MY22 Sports
Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of motorcycle you drive, the colour of the motorcycle, how long you have been driving and the amount of cover you need. Be sure to read the PDS to find cover that suits you.
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.
FAQs
GIO's Motorcycle Insurance policies are issued by AAI Limited.
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.
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VIC riders have plenty of motorcycle insurance options to fit their riding style and to protect them from theft, property damage, natural disasters and more.
NRMA ticks most of the basics, plus a few extra perks. It also offers optional-add ons for more customisation.
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