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 Agreed or 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
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 got quotes from popular motorcycle insurance providers using the following profile:
NSW based address
30 year old male driver
Perfect driving history
Motorcycle kept in a garage
Travels up to 8,000kms per year
$7,000 bike model used: 2022 Kawasaki Z400 Motorcycle MY22 399CC P
$29,000 bike model used: 2023 BMW R 18 Motorcycle Transconti MY23 1802CC P
Excess: As close to $695 as possible
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. See full bio
Nicola's expertise
Nicola has written 242 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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.
RAA Comprehensive Motorcycle Insurance provides new-for-old motorcycle replacement for up to two years, a lifetime guarantee on repairs and $20 million of legal liability cover.
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