GIO Business Insurance

Worse of the worse insurance company – Worse of the worse insurance no empathy for customers they will hold your claim and make process as long as posible. I do not recommend this insurance. Show details

Work injury – My work injury was four months ago and GIO didn't pay me nothing of my entitlements until now! Show details

Terrible for business insurance – I got GIO public liability insurance in 2021 with an agreed date for payment to come out. Things was going great until 2 months ago where they started taking pay out any date they chose to where it auto cancel due to none payment (Yes I agree I could have sorted it out before hand) but too busy and by the time i finish work their call centre is… Read more

close). Anyways today I got a chance to call to sort it out and what my ears heard is very disappointing. 1. I got a rude, argumentative customer officer. 2. Long wait, for them to say they can no longer provide insurance to me for my business because their policy changed and since is a new business they cannot cover my activities.

However my original policy with them covered one aspect of my business which was discussed and agreed upon for that aspect of the business to be covered and since 2021 nothing has changed in that sector of my business. Since their policy changed they kept taking money HAPPY without saying “oh we cannot keep taking money because we no longer cover the business activities”.

GIO insurance never again. Takes money and don’t help or give back.

Unprofessional – I ring them for a group certificate for clients as I had done for 20 years and 5 minutes into the conversation they cancel my policy. Utterly ridiculous behaviour and for no apparent reason just said I am no longer insured. Highly recommended AVOIDING GIO Show details

Pathetic. Take your business elsewhere – After being insured for 20 years with these clowns they turn around and tell us we are no longer insurable. Successful business with 2 small claims one was (under $1000) which we ended up not using as the excess was $900!!! Then to be told by some pencil pushing underwriter that the business is no longer insurable. They should be ashamed of… Read more

themselves. The only thing uninsurable is the dodgy practices of GIO. Multiple policies including our whole fleet now being moved over to a company with decent business models, policies & practices. Un-Australian.

Great Dodgy work Gio Do – i got business insurance and repair or replacement of any appliances was part of insurance and 1 cooktop stop working suddenly and i call to insurance and they said call any person to fix that and send us invoice they have $500 access fees i said ok invoice was $1800 and i sent to them when i put claim they said sorry we can’t give you any money. wow great dodgy work Gio do. Show details

Very questrionable business practices, too much of a liability to deal with – I'm a sub-contractor and received an email from my head-contractor to say their records showed my workers' compensation insurance had expired. This surprised me as I'd had no reminder notice from GIO but my records confirmed that it was due to expire that day. I range GIO, waited for 20 mins then talked to someone who told me to fill in some… Read more

forms and rang off. When the forms arrived I had a couple of questions and had to ring GIO three times without receiving any clarity about some of the ambiguous questions involved.

Most of their staff seemed to be incredibly unknowledgeable and just kept reading blankly from some script without actually answering the questions I'd asked them. Eventually I just had to take a guess (never really good practice) and sent the forms off.

After about 9 days I heard nothing back but I did belatedly receive their renewal reminder, by AusPost asking if I wished to renew and also saying that they'd re-categorised my business and premiums were likely to be significantly higher. I rang back, waited the usual 20 minutes and was put through to someone who couldn't tell me the status of my application nor tell me how much my premium was likely to increased. I asked to therefore cancel the policy and was tartly informed that there was a $1,000 penalty for cancelling after the expiry date.

In the end I renewed for the bare minimum possible and also sent immediately sent them a cancellation notice effective the end of the same month.

Their business practices seem deliberately designed to manoeuvre customers into a position where they are obliged to renew or be penalised while simultaneously pushing up the premium with reason - clearly I will never use GIO again and nor would I recommend them to anyone else.

Bad Faith business- unauthorized policy renewal – Do not recommend and will not use again. They renewed my 12 month policy without my consent and continued charging me after sending emails stating the policy would end on a specific date. Called in and although polite customer service left me waiting for long on the call, over 20 mins and did not resolve the issue. After follow up they said they will not refund all unauthorized charges. Show details

Injured at work – Currently off work injured and GIO are terrible to deal with. Truly terrible. They don't respond to emails requesting approval for specialists and this has gone on for months. They have delayed an operation for 4 months and I still have not got approval. My lawyers are now in contact with WIRO over the matter. This is the state body that this… Read more

dodgy insurance company reports to. Anyone injured at work is entitled to a free lawyer but GIO suggested I didn't need one. This crowd should not be allowed trade. If you have a work injury contact a lawyer immediately and they will explain their services are paid by the state for work injuries and they are completely FREE to you. PLEASE PLEASE get your free lawyer as these are the only folk that will advise you of your rights. GIO insurance just want you to disappear or give up on obtaining treatment.

Psychopaths with no conscience – Because of covid business stopped so i put business insurance on hold. Now i discover that they will charge a huge sum during the period i wasn't working. I wonder if i needed to make a claim if they would pay out during a suspension of my policy! I will be leaving gio!!! Show details

Disgusting ethics – Treated my employee like a criminal. I’ll take my insurance portfolios to a reputable company that gives the service I’m paying them for. I will be making sure all my franchises do not use GIO for any insurance of any kind!!!!!! Show details

Very doggy insurance, beware! – I have been with GIO for my business insurance with them for over 15 years, and I never thought that such a large insurance company can be so doggy. I have never made a claim for the last 15 years, and when I needed them all they said was sorry! I will made sure everybody knows how doggy they are, you have guaranteeon that! Show details

CHOOSE SOMEONE ELSE – I got out of business due to the COVID and I tried to cancel the insurance a few weeks after the renewal to save some money as I have no income. GIO still wanted me to pay the full amount and they try to blame the regulatory body for any issues. The send you threatening emails and letters. Show details

Absolutely Hopeless ! – Absolutely hopeless company to deal with, I have Business Insurance and Public liability with them for a number of years. Quick to take the money, but like pulling teeth to get certificate of currency from them. Don’t bother if you want an easy life Show details

Workers comp from 3 years injured operations and more GIOs shocking conduct now – injured over 3 years ago initially treated terribly till collapsed now mental disease new case worker Rachel brilliant GIOchanged case worker to jacqui terrible treats you like a slave her many lies and NO Care shocking GIO more mental now Show details

Incompetent case managers – Equip yourself with a good team of doctors and lawyers if you happen to have GIO as your employer’s WorkCover. Especially if you have psychological injury. They are manipulative, abusive and would use any means to get you off their books. They breached confidentiality by doing unlawful covert investigation, asking people in my social circles who… Read more

had no idea about my psychological condition.

They cherry pick their own IME reports.

Their conduct has aggravated my condition to a point I’ve made multiple suicide attempts.

Keep charging you despite cancelling the policy – Please be vary of GIO business insurance. Easy to take up, but hard to cancel. They keep charging me despite cancelling in Aug 2018 and get charged again in Nov 2018. Very unprofessional.  Show details

Never seen doggy company like this before – I placed a quote for workers comp, back to a few years ago. They send me to the bill to pay, bill period start from the second day of the quotation is submitted. I don't want to go ahead because at the time I don't have a worker work for me. And then they start their unstoppable harassment. Firstly, they send my file to a government officer,… Read more

they claim I am illegal because I don't buy any worker's comp insurance.

I had written a letter to government officer and explain I am just a sole trader. I don't have any workers to work with me at the moment. I had a formal reply from the government officer said I do not have to buy the insurance.

They keep asking the debt collector to chase me for money and I told them the same thing.

At the end, GIO send the case to court, and I didn't receive the notification to attend court. Court order was made without my attendance and awareness.

They are nothing but ROBBERS! Do NOT buy insurance product from them! – I would rate them as 0 star if I could. These guys are real robbers! Do NOT ever buy insurance product from GIO! My husband used them for business insurance several years ago and advised them NOT to renew his workers compensation insurance policy as he was a sole trader and didn't have any employee worked for him for quite a while back then.… Read more

However, GIO reluctant to cancel his policy, still renewed his policy and chased him for payment by involving government people and debt collector. We had to explain to each of them to close the case.

We thought that was the end of the hassle. However, we only found out last year when we prepared to get another mortgage that GIO placed a credit default on my husband in 2015, without giving us any notification. They said we owe them $1400 for the workers compensation insurance payment!

It took us more than 6 months to get in reach with someone in charge of the case in GIO, who just told us that we had to pay $1700 to them for the default to be removed, because they provided insurance cover for 40 days before the cancellation was officially taken effect. We are current paying $2000ish a year for workers comp through another insurance company. So even if GIO covered us for 40 days due to the processing delay for cancellation, $1400 is a truly rip off (for 0 employee or 1 if it counts my husband himself) ! And they placed the incorrect default without notifying us in advance, and caused so much hassle and inconvenience to us. They have not even one word of apology, but request us to pay additional fee to get the default removed!

Honestly, the way and attitude they handle dispute and complaints are so disgusting and dishonoured. We are absolutely furious about the outcome, and will for sure seek for governmental and legal assistance to solve the matter fairly.

Lodging a claim as an employer – Called GIO to make a workers compensation claim on behalf of an employee. Was on hold for a while before i got through to a gentleman. I asked if i could lodge the incident through him he said he would prefer if i did it online or went through a form process (which he sent through to me). I filled out the form and emailed it two weeks ago. During… Read more

this time i have made several phone calls and emails trying to gain a claim number or a case number so the employee is covered for doctor expenses and treatments. Every time i speak with GIO they inform me it is not in their system and there is a backlog. I have found this process extremely frustrating. We were previously with employees mutual and they would take 2-3 days maximum to access a claim number.

I am yet to receive any information back form this company. I would stay clear. It is not often i write a bad review but this company well and truly deserves it. Sort out your system guys!

If someone is happy to respond to this that would be great as i have made several calls and emails and am getting no where.

Really not happy with this insurance – I have about 20 of my cousins and friends will cancel the insurance with you I've been waiting for 2 months for my claim just because I'm new to the insurance you guys took to investigation and asking me for a lot of my privacy. I will never come back to you unless this is sorted and 20 people waiting for this claim as well if it goes bad they gonna cancel.  Show details

GIO still charging for cancelled policy and vacated premises – My company imports products from overseas and has a number of retail stores. We have used GIO Marine Insurance for over 10 years to insure goods in transit as well as GIO Business Cover to insure goods and equipment at each of our locations. Since the outset when dealing with GIO I was assured that any e-mail confirmations between me and my GIO… Read more

agent, [name removed], would be treated as “confirmed in writing”. Over the years we have added various new stores, and closed others, this is the nature of our business.

Recently I noticed that we were still being charged for four locations (stores) which we vacated several months ago. I had advised the agent by e-mail of such at the time of each. We also cancelled our Marine Insurance with GIO 11 months ago as we received a cheaper quote from another insurer. This cancellation was acknowledged by the agent at the time.

Upon reviewing my bank statement I have discovered that we are still being invoiced monthly for insurance of these locations which we no longer occupy, and for the Marine Insurance which we cancelled 11 months ago.

When I e-mailed my regular GIO agent and his assistant I received an "undeliverable" error from Suncorp so contacted GIO general enquiries only to be informed that “that whole department has been laid off due to a restructure”. I explained the situation and was asked to send through e-mail evidence supporting my claims, which I did. When I followed up I was advised by GIO “Please provide further evidence as we cannot authorise to back date from a written email. You will need to provide valid proof that you have vacated those premises at the stated dates you are requesting. Eg: end of lease agreements, etc.“

So for over 10 years I have been dealing with GIO on an e-mail basis, and GIO have been quite happy to add new locations and additional cover, but now that there has been an oversight on the part of GIO suddenly e-mail proof is not sufficient. The problem I have is that most of these lease agreements would have been month-by-month so the only evidence I have of having vacated is the correspondence between me and the landlord / agent.

As of 10 September 2016 GIO has overcharged me $11 664 for cancelled policies / and cover for premises that I no longer occupy. To date they have suggested that they might be able to back-date the cancellations on the four vacated premises by three months, which will effectively credit me a mere $895, a far cry from the $11 664 that I have been over charged.

Not wanting to part with their money they have also said “The system will not allow a refund. Instead the new monthly premium will be $1125.26 for this policy”. They have provided no explanation for how they have arrived at this number, despite my several requests.

I have received no response to-date relating to the cancelled Marine Policy.

I plan to update this post as things (hopefully) progress.

18/09/2016 - I am pleased to say that GIO have now refunded me for the Marine Policy $5 301

Hopefully they will soon refund me for the remaining policies (approx $6 000)

injured at work, Obligated to make a claim – Physical pain from ruptured tenant requires surgery & recovery time with physiotherapy & other treatment along with checking progress for reliable feedback for the case worker to aid & support the whole process. But if the caseworker is advised the injury is the worst the surgeon ever encountered with no chance of recovery & permanently… Read more

disfigured body.

The GIO set up appointments with different rehab providers who are trained to see a liability instead of a tormented man who has lost the joy at 40 & then his wife & house.

Thank you for listening and review it back – After we gave a bad comment re our claim, they finally review and do their act right this time which we appreciated. They resend their people to review our case then they approved our claim with promptly. We were about to considered to move to different insurer. With the experience that we have got and after explaining to them that we had been… Read more

insure to different insurer and never had claim before and that we didn't want this thing happened to us which make us have to close our business few days it was really inconvenience. At least they resolved out problem. Thanking you for acting promptly. Then now we can have trust in insured it with gio.

Amazing experience with claims – I spoke with Jasmine this morning from Business Insurance Claims and can honestly say she was amazing, made me feel completely at ease after a stressful incident. She completely turned my experience around and I am really happy with the service she provided. Fast, efficient & lovely to deal with.  Show details