GIO Car Insurance

Just got the quote for renewal of comprehensive car insurance from GIO, which has increased by 110% over last year for no apparent reason: no accidents, no claims in the past 5+ years. Can't give a zero star review. What a ripoff!!! Show details

I’m sick of seeing the ads on tv. Gio being the best I call nonsense. I think there’s corruption and theft . I had an accident and I was fully insured but lo and behold. Apparently my car was a write off . Only to find they gio payed me out. Then they fixed my car and sold it on Manhiem” . That is what I paid for when I got fully insured so my… Read more

car would be fixed and the insurance would cover that cost,if anything were to happen. . I know I’m not the only one with this same thing happening .a lot of people would say it’s happened to them. Not to mention my gps reverse camera was stolen I told them what I needed out of my car. And they sent back garbage. that was not even worth more than a postage. shout out to whoever stole my toll tag.

To King Bros smash repairs, 10 out of 10 for Excellence and perfection in repairs. For attentive customer service, for presentation of a car that looks like a showroom new car. Thankyou Dan the man and Travis, and your team of very skilled professionals. This company sets the bar of extremely high standards. You will not find another company on the Far South Coast that performs so seamlessly. Thank you again Peter Show details

I’ve had a very positive experience with GIO, especially during the initial claim process. After my car was hit while reversing into a parking space, I called the GIO claims line in shock, with no prior experience lodging a claim. Annette, the staff member who helped me, was incredibly patient, friendly, and professional. She guided me through… Read more

everything, lodged the claim, arranged repairs, and organized a hire car and transport—everything went smoothly.

The only issue I had was a call with one GIO male staff member regarding the rear scratches I noticed later. He insisted they weren’t the part of the accident because I hadn’t mentioned them initially, and his tone made me feel judged. I was allowed to submit photos and the accident sketch, but I was left feeling uncertain that my explanation would be considered fairly. To my surprise, GIO approved the scratches repairs.

Despite that brief uncomfortable moment, I remain very grateful for the excellent service I received from Annette, the repair team, and the car rental service. Thank you for turning a stressful situation into a manageable one.

I’ve just spoken to a lovely lady Erica (U315178) for comprehensive car insurance renewal. She was very helpful and professional. She certainly deserves 5 stars! Thank you so much for your patience Erica, much appreciated it! Asif Show details

Received renewal, 27% increase. No claims made, but 27% increase, which they explained as the cost of vehicle repairs going up. Moved to another insurer, no increase, in fact $134 cheaper than last year's GIO premium. You wonder why inflation and subsequent bank rates are up. Corporate greed, shareholders, and management bonuses. Show details

Avoid. Do NOT Purchase. Halt. Desist. Cease. Bogus. Gio trading as AAI Limited (Part of the SunCorp Group) will lure you with an initial value propositioned premium price then commence to gouge you mercilessly each renewal period. They 'The Company' will save on their bottom-line by paying less for re-insurance premiums (the cost for them to buy… Read more

insurance risk). And they will add it to YOUR premium renewal for a EXORBITANT premium additions to not only cover their base premium costs but to generate profit on NEW and RE-WRITABLE products. They are IN IT FOR PROFIT to Shareholders from CEO to Board and down the food-chain. How do I now this ?? I have the raw-data.

GIO not paying claims or doing repairs. All paid premium is funding Marysia missions . GIO is under umbrella of Suncorp. All it's group companies and INSURANCE AUSTRALIA GROUP which consists of NRMA, Swan etc, QBE etc, DONT BUY FALSE HOPE. again less revenue means less religious people dying Show details

I just hung up after a very frustrating call with your company. The representative who answered, named “Andi,” responded to everything with repeated “mm-hmm” sounds, which came across as dismissive and unprofessional. Before being connected, your automated system asked me all the verification questions—claim number, name, date of birth, and… Read more

registration number. However, once the call was answered, the representative asked me all of the same questions again. This makes the screening process feel pointless.

I experienced the same issue yesterday afternoon. The first representative did the same thing, so I hung up and called again. The second representative handled the case immediately without repeating unnecessary questions.

Additionally, I would appreciate if your customer service team spoke clearly and professionally. Some of the accents were difficult to understand, even for me as an Asian person, and it made the communication more challenging.

Please look into improving the professionalism and clarity of your customer service interactions. I have 2 vehicles with you guys , for both ctp and comprehensive and roadside assistance. I will have to go to someone else if this keeps going with your s.... customer service.

Gio claims service is absolutely rubbish. I've had 2 submit claims for not at fault accidents where I chose to use my own repairer and they've screwed the pooch on both claims. And it's not about the outcome. They'll eventually fix your car, butonly after the energy vampires in their call centres have eaten your soul. First claim I had, GIO… Read more

failed to communicate to either me or my repairer on several occasions, and for every step of the claims process I had to ring them and get to the seventh circle of their call centre and sit on the phone while someone did something, making sure they did it, to get the claim to progress. Eventually got my car fixed and everything was dandy with the repair, but I had to take an extended vacation to recover from making it happen.

However, THIS time I'm on my 7th phone call and my claim has not progressed an inch since the accident over a month ago. But don't worry, they have marked it URGENT!

Have had cover for years and paid thousands. On checking my policy today - windscreen cover is an optional extra that you have to pay for. Just got another quote from a reliable Insurer and not only is it cheaper but covers extras (such as windscreen) without having to pay for it. Look elsewhere before you sign up with these guys!!! Show details

Filed a claim in May 2025 & received this email "Hi xxxxx, Thank you for making a claim online. Your claim number is M096426xxx." It turns out this is NOT A CLAIM but merely a report. Months of confusion & hassling from the aggrieved parties insurer & after a call it gets UPDATED to a claim. Spent ages waiting to make a claim that I'd already… Read more

made. 20 mins of my life I won't get back. Why does business not give service anymore. Even the other insurer recognised the difficulties. 9/2025 "We understand that this insurance process can sometimes be frustrating, but in order to move forward, you will need to contact your insurer directly to lodge the claim for them to act on your behalf." This for the claim that was already made!

This has been one of the most frustrating insurance experiences I’ve ever had. GIO provided no meaningful updates throughout the process. I had to chase them up daily just to get basic information. The communication was unclear, inconsistent, and exhausting. Despite being not at fault and having comprehensive cover, they closed the claim… Read more

prematurely and refused to provide the 21 day hire car cover that I was entitled to.

On top of that, I also had to chase them down just to retrieve my personal belongings from the written-off vehicle.

It’s clear they just don’t care about their customers. I wouldn’t recommend GIO to anyone. Look elsewhere if you want proper support when you actually need it.

If I could give this company no stars, I would. Been with them since 2016, premiums rocketed sky high. Over $3,000 to insure my car and I'm a rating 1 driver. Found a deal the same for less than half with AAMI. Cancelling the policy and receiving a refund is a nightmare. Don't bother with a virtual assistant or an online customer assistant,… Read more

they will just disconnect or take so long to answer, you'll be asking over and over if they are still there. Designed in my opinion to stall, deflect and frustrate the customer into just giving up. Avoid like the plague.

You buy a platinum product and pay top dollars in return for a good service. My experience has been nothing short of disappointing. Call centre support is pathetic. They never have full notes on the previous discussion or on the claim progress and if you ask a little firmly, you are outright rude and are disconnected. My claim was not processed… Read more

because the assessor thought it was not truthfully recorded. I don’t know what to make up of that when you leave your car in car park and see it damaged. I am paying the access and pay top premium. For what?

With no consultation, GIO reduced my Ford Ranger insurance cover in 1-year by $10,000, BUT still managed to try an sneak through a 10% premium increase.. total scum. Went to Budget Direct and they restored the full value and where way less expensive. Show details

LOLLLLLL what an absolute joke of an insurance company. I’ve been with this dodgy insurance company since 2023, I had an accident early Feb 2025, took 5 months under investigation. GIO came to their magical investigation, and apparently I staged my collision despite almost dying at the scene. Ambulance reports were evident. As someone who suffers… Read more

from mental health, I got told by the investigator unrecorded when they were interviewing, “it’s just a bit suss that you were involved in an accident with the owner being middle eastern and me being middle eastern”. Not only is this racial discrimination but puts the point of race determines whether a claim should be accepted or not. Similarly to the Bondi stabbing the man was of white descent but was labelled with mental health conditions but the boy at the church who allegedly stabbed the priest was “terrorist” make it make sense. This insurance company is such a scam and will do ANYTHING so you don’t get paid out. Because apparently me having a car accident, according to them I did it for financial gain. LOL it was 2016 Mazda, not a Lamborghini. I urge customers to not insure with GIO/suncorp because they’re thieves.

GIO is terrible to deal with, there repairers are terrible as one of our cars was painted the wrong colour and there inspectors took over 4 months to approve the repair of our car, apparently GIO have one car assessor in NSW. Show details

Been with them for 7 years with not even a single claim, and every year they increased the policy with approx $300 per year in the last 3 years, Also they advised that I have a $170 no claim bonus but when asked to be deducted from the premium they don't. This is money gram and will try to rip you off from one year to another. Go somewhere else where they appreciate loyalty and low maintenance csutomers. Show details

Complaining of increase of comprehensive insurance , devaluation of vehicle cover that could not replace vehicle by 50% ie Toyota Hiace 2010 GiO valued at $9700 but to replace market value $18000 , how can GIO justify valuation of vehicle? Show details

Horrible – For anyone considering slightly risky work or riding a motorbike. You will be unfairly treated by the legislation that the government has created. Everything is designed against you significantly. Dont do any risky work if you value yourself and your family. If your job is risky dont bother having a family as this will cause them significant distress if injured. Show details

Disappointed – On the GIO website it states that they do not charge extra to pay the premium by monthly direct debit. When I selected this option I was told that there would be an increase to my premium of $131.62 per annum, so a monthly fee of $10.96 per month for a direct debit that costs a few cents! This is very deceptive advertising and should be called out. Show details

Worst worst worst – The worst insurance ever I seen in my life ,please be careful with them ,they only care about their benefit ,they have no respect for customer and they don’t care about nothing ,a lot of faild on their system Show details

Un professional and non supportive – I had GIO comprehensive platinum car insurance with Hire a Car option.My Car stopped running on the road with Mechanical problem fuel pump failure.When I asked for the hire a car option they asking me the mechanic report to assess the claim.The car is in workshop waiting to get looked.The staff is not helpful or supportive.I don’t have any other… Read more

car or option to do daily activities such as work/School /Groceries.It’s pathetic the service is refusing when it’s really needed.I would not advise anyone to go forGIO as it’s not worth when needed.

Always helpful – Car slid in a patch of oil going around a corner. Took 20 minutes to get through to claims, towed 10 minutes later & written off following week due to age of vehicle (03 ignis). Assessor called the same day in the following week to tell me he had personally looked at the vehicle & was writing it off. That afternoon the claim was finalised, GIO… Read more

have always been helpful especially if you are nice to them on the phone.

Statutory requirements are what slows down the claims not the person on the end of the phone in the call centre. 10/10 will take out a policy again.

Unhelpful – I was recently in an accident and found dealing with GIO unprofessional and their call centre agents unhelpful. The accident happened a few days ago and I still have not heard if they will support us with a loan vehicle even though we were not at fault for the accident. Once the claim is finalised, I will be engaging a new car insurance company. Show details

Extremely Unprofessional – My car was in an accident on August 24, 2024, and I dropped it off for repairs at the nominated repairer (Repairer 1) on August 30, 2024. After several weeks, I had to reach out to Repairer 1 to learn that they could not repair my car due to the extent of the damage and that it would be sent to Repairer 2. I was under the impression my car was on… Read more

its way to Repairer 2, but after receiving no updates, I contacted GIO. I was shocked to find out that my car was still under assessment to determine if it could be repaired or written off. This assessment dragged on for weeks, and once again, I heard nothing from either the assessor or GIO.

After repeated attempts to get information, I finally received the assessor's contact details. He informed me that another repairer (Repairer 3) would now be involved due to mechanical and structural damage. Parts were supposedly being imported from Europe, with a lead time of 6-8 weeks, and the repairs would take an additional 2 weeks once the parts arrived.

Miraculously, the parts arrived in just 3 weeks, which I learned only after demanding updates. Yet, I was told they would start working on my car immediately—but they didn’t! I later found out that staff were sick, information I only got after more follow-up calls. My car could have gone to Repairer 3 right away, but instead, it sat idle.

Now, Repairer 2 has completed their work, and my car is at Repairer 3. I received a message on 1 November 2024 by Repairer 3 stating they still haven't received the parts, which will take an additional 2-3 weeks. I was previously told that Repairer 3 would finish everything in just one week.

I still don’t have my car, and let me be clear: being without a vehicle in a Melbourne suburb is incredibly inconvenient, especially in emergencies. This entire experience has been a nightmare of excuses, poor management, and unprofessionalism.