Comprehensive Car Insurance policy

A GIO Comprehensive Car Insurance policy provides cover for accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your car. It also includes cover for your legal liability for damage to other people's property caused by your car up to $20 million.

Comprehensive Car Insurance FeaturesContract

	Maximum No Claim Discount/Rating For Life If you've held your Maximum No Claim Discount (NCD) / Rating 1 for 12 months with any insurer and haven't made an at-fault claim in the last 2 years, switch to GIO Comprehensive Car Insurance and we'll protect it for life. This means that while you are comprehensively insured with us your Maximum NCD/Rating 1 will not be reduced.
	Lifetime Guarantee We guarantee the quality of the materials and workmanship in repairs we authorise for the life of your car, even if you are no longer the owner.
	Choice of Repairer We will offer you a choice of repairer following an accident or incident.
	2 Year New Vehicle Replacement If your car is a total loss within the first 2 years of registration and you are the first registered owner, we'll replace it with a new one of the same make, model and series.
	7 Day Repair Guarantee (NSW & VIC Metro only) If you're able to safely drive your comprehensively insured motor vehicle into one of our assessment centres for repairs after your claim is approved, if we don't have you back on the road within a week we'll provide a courtesy car from the 8th day until your vehicle is repaired. Courtesy car will be a small category vehicle and a car hire bond may apply. Single approved claims only and excludes damage caused by hail or flood. Click here for full details.
	24 Hour Claims Service We have a dedicated claims hotline providing a paperless claims service where you can talk to someone 24 hours a day, every day of the year.
	Choose to make one annual payment or to pay by the month At GIO we give you the choice of payment options. You can choose to pay one annual payment or monthly instalments. Learn more about Pay by the Month (fee applies).