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GIO is an Australian home and motor insurer. Owned by the Suncorp Group, it offers a range of different insurance products including car, home and contents, CTP, boat, caravan, travel, business, public liability and workers compensation. Cover is offered primarily in the states of New South Wales and the Australian Capital Territory.
It has maintained a strong commitment to the local community and currently supports organisations such as Fire and Rescue NSW, NSW Rugby League, Wheelchair Sports NSW and Youngcare.
The insurance products sold by GIO General Limited are:
GIO offers also other products including commercial vehicle insurance.
GIO Travel Insurance has two main product options:
The Holiday Travel Insurance provides a comprehensive cover and a 24-hour emergency medical and travel assistance service and therefore includes also:
Besides the basic coverage, there are also some added benefits:
The Annual Multi-trip Travel Insurance is suitable for those travellers who travel three or more times a year. This can be a much more convenient and affordable option to taking out a single trip policy for each trip. This policy provides cover for an unlimited number of trips in any 12-month period provided trips are no longer than 90 days in length.
In addition to the coverage of Holiday Travel Insurance, it also offers:
When you buy the Holiday Travel Insurance, you have to select either a Single Policy or Family Policy. A Single Policy covers only the insured person stated on the policy contract, and up to one child or grandchild who accompanies them on their journey.
A Family Policy covers the persons named as the insured and their husband/wife or de-facto partner, their children or grandchildren who accompany them on the journey.
Additionally, you must also select the region that will cover the countries you are visiting on your journey:
Cover can be taken out as single or group family cover.
The period of insurance begins from the date you commence each journey or the travel commencement date as shown on your schedule of insurance and ends at the earliest of the following times:
The Holiday Travel Insurance has the following cover features:
The Annual Multi-Trip Travel Insurance has the same benefits of the Holiday Travel Insurance policy with some additional benefits:
In the event of a claim you must call, fax or email GIO’s claims department as soon as possible.
You will be required to send at your own expense all of the necessary information and documentation such as;
Once all the documentation has been delivered to the company, they will accept or refuse the claim within 10 business days from the reception of all the necessary documentation.
If the claim is accepted, the GIO will calculate the amount of the claim considering the amount of loss or damage or liability, the excess, the policy limit and the terms and conditions of the policy.
If the claim is accepted, GIO also has the right to make or accept any offer or payment, or in any other way admit you are liable, settle, or attempt to settle, any claim or defend any claim.
If your property is stolen or maliciously damaged, you must make a report to the police or local Government authority within 24 hours of the loss or damage becoming known to you and send a copy to GIO.
If your property or damaged property is lost or damaged when it is with the transport provider, you must also make a report to the transport provider within 72 hours of the loss or damage becoming known to you. Then you have to send the copy to GIO.
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