Super easy claim
Just had a super easy claim experience for personal electronics which I appreciated . Lodged Wednesday and received a call on Thursday. No hassles with the claim (noting I had already provided the required evidence) and staff member was very friendly and helpful.
Good customer service, but inexplicable rate increase.
Very easy and professional phone assistance.
But I started this policy 1 year ago, and the renewal premium just increased by 25%!
I have never filed a claim, so no comment in this regard.
Claim made worse by GIO contractors and claims department not acting with diligence
Insured with GIO for years
Small claim for building lodged and it’s snowballed into a stressful, time consuming and unbelievable experience due to incompetence and unethical behaviour by GIO claims department and also their chosen repairers.
This has been ongoing for approx 3 years.
My house has two outstanding dangerous safety issues due to what GIO repairers have done. GIO know about this but are not doing anything.
During this claim, GIO repairers have differed in their opinions, cut corners and not been able to solve the probl...em created by the first repairer who changed a section of guttering. He has caused the new section of guttering to heavily overflow during rain. Second and third GIO repairer are blaming the design of the gutter and completely ignore me when I say their was not overflow before the claim, only since the replacement. The original fascia and gutter sat differently to the new, I have photo proof but GIO will not comment. First repairer also missed the electrical issue along with the GIO assessor. Second repairer left damaged asbestos which took almost a year for GIO to finally remove - only to leave me with another panel of damaged asbestos (now 4 months and waiting for GIO to remove)
Royal Commission - please review GIO
As a strata manager subjected to GIO’s rock bottom service levels where attempted to notify about a potential forthcoming claim, spending 30+ min first waiting and then patiently explaining the reasons another 30+ min to incompetent support legal staff that have no idea about their own instructions in PDS to policy holders, this is a company that is in serious need of a RC s review. It does not get worse than this. Appalling systemic service issues where I was hung up upon whilst asking questions being accused of being rude (when the opposite was nearer the truth - check the phone recording). Nobody here seems to care about their customers. Take your insurance needs elsewhere - this company is a lemon in all aspects. You have been warned.
No loyalty, UNAUSTRAILIAN
My wife has been insured with GIO all her life we have been together for 12 years and in the past 4 we have cancelled most of our policies with GIO, due to the fact they keep going up exponentially. We have never made a claimed at all, I can understand price increases with inflation but when you are talking about 19% in 1 year I am sorry but GIO is now in the trash can!
I just cancelled our 2nd last policy today and the operator didn't even question why.
GIO you are up there with Telstra one of the most UNAUSTRALIAN companies very disappointed you have lost us forever!!!!
THE BIGGEST RIP OFF INSURANCE
After we received our most recent renewal earlier this month and saw that it had gone up 33.6% to an exorbitant amount of $9,259.92 annually for a strata complex, we contacted another insurance company for a price comparison. We were shocked to discover that, for the same cover for building and contents and the same excess and flood insurance, the premium from another well known insurer was only $2,020.08 annually. This is a saving of $7,239.84 for the year.
We had been using GIO for our home and content insurance for 12 years and thought they were a reputable decent insurance company. Disgraceful GIO. You should be ashamed of yourself. Do your homework and stay away from the outrageously, exorbitant insurance company.
Fair to poor claim experience
- policy was easy to setup online
- I have lodged 2 claims (both storm damage) with mixed experience
- policyholder for 7 years
My poor experience has been principally with GIO's 3rd party assessor HomeRepair (and subcontractors). I have twice found them to be untrustworthy, bordering on deceitful; with no option for reassessment &/or poor avenues for appeal. I see 3 or 4 other reviews also specifically referring to poor experiences with this company (e.g. reviews by chainsaw, Ron C, Phillip N).
A subsequent claim for rectification of failed ...repairs by GIO subcontractors (contrary to claimed "lifetime guarantee on repairs") was denied without recourse or appeal. See also similar review by Gino de Vera. However, another relatively minor claim was paid without difficulty. P.S. In the "deceitful" case I was later advised that the person no longer works for the company (read that as you may).
FIGHT FOR FAIRNESS!!!
On the morning of Friday 25 September 2020, I went out into my back yard for an unrelated matter and noticed that my 6 year old pool filtration pump which is on a timer was not operating as it should have been. A pool technician advised the motor had burnt out so I lodged a claim with GIO and paid the $100 excess. A GIO operator asked me when the motor burnt out. I replied I did not know as I only discovered it by chance. I stated that the pump may have burnt out several days or even up to a week ago. Later that day, the same GIO operator calle...d me and advised that on 25 September 2020 there was a lightning event in our area which was most likely the cause of the motor burnout and my excess was now $600 as per my policy. I protested that this was grossly unfair because it is impossible to identify exactly what day the pump stopped working which could have been as much as a week ago. The GIO operator persisted that the lightening event was the cause of the motor burnout and removed the additional $500 excess from my payout. I was outraged by this. I could have first called the Australian Bureau of Meteorology to discover on what dates (if any) there was a lightning event in my area and lodged my claim identifying a different date but I didn't because I am **NOT** dishonest. I later lodged a complaint with GIO regarding the unfair determination of my claim. The complaints operator agreed that as the actual date of the motor burnout could not be positively established, then only the $100 excess should have been deducted. She apologised for the initial determination of my claim and the inconvenience caused, and reimbursed the $500 excess. Until this incident GIO had always been fantastic in my dealings with them and thanks to the wonderfully understanding complaints operator, I am still with the company after 43 years.
took our money under false pretenses
definitively not good value. We had new for old car insurance and discovered it was a con. After 3 years it didnt't actually exist under new for old. we have now discovered that we have been insuring our home and contents thru them and our homes are not actually insured as our homes are on farms but they don't insure houses on farms even though when we got quotes they knew the houses were on farms
we will never insure through them again now going to cancel our boat insurance as well.
They won't get a star rating at all from me
Cancelled without being informed after 26 years
Got a renewal notice this year so it was not even marked on record that I took my complaint about their shocking behaviour last year to a regulator. lost a thirty year customer dye to cancelling my cover because they didnt have my New address instead of using the correct phone number or email to contact me. Their excuse was i had a preference for mail contact. Right. also mixed up correspondence from A year prior, cancelling again due to unfixed damage that had been fixed and which They acknowledged had been fixed and was on record as being so. The worst i e ever dealt with.
A company that help others during a pandemic
I called up GIO to tell ask if they have any financial relief for people whom effected by covid-19 and they gave me 3 month off, very unexpected thank you!
No reward for loyalty
GIO thought it was fine to charge me for insurance they weren't willing to offer me. I had kept my home contents insurance with GIO for 6 consecutive years. I was transferred to the south coast for work and was organising my move at the end of 2019. When the bushfires struck GIO refused to cover my contents due to an embargo on my new postcode despite the fact that I was an existing customer. They were happy for me to keep paying, but couldn't actually tell me when they would lift to embargo and be able to offer me cover. I will never insure with GIO again.
Victim of crime: claim experience
My 75 year old mother's fence was rammed by a stolen car at 3am in the morning. Terrified but not hurt. Police attended but the driver had run off. We have a Police reference number and the rego of the stolen car but naturally, we don't know if the driver has been identified and even if we did, we would not know who it is. So, a loyal customer, a pensioner and a victim of crime has to fork out $600 she can't spare for GIO to "investigate" and then decide if they should refund the excess. OMG! Really GIO, shame. On the plus side, the person who too my call was excellent, sympathetic and genuinely concerned for my mum's welfare. Five stars for him and minus 4 for the company. Peter K
Worst insurance ever
After 45 years of paying for insurance to GIO for 2 cars and 2 houses my parents finally made a claim for a retaining wall at their home of 35+ years . After a 3+ month wait their claim was refused. Their first claim in over 45 years and they got a big bad luck sorry your policy does not cover a retaining wall. My parents paid for top home + contents insurance for 45+ years and the first claim they make they are refused. Great cover !! GIO even had the hide to ask for the excess up front on the day the claim was made.. $1000 up front for no...thing and still waiting for a refund. If home insurance does not cover retaining walls in a storm then what little do you cover... Not much from what I have seen. Would never recommend GIO or NRMA they once were good but now just look for a reason not to pay claims and only care about stock holders not policy holders. GIO you really let my parents down with garbage insurance that covers very little for a lot. Your phone operator was rude, very arrogant and totally useless!! Will try seniors insurance!!... Good bye GIO after 45+ years.
Have had no trouble at all
I have been with gio with a very bad car accident we had and I thought they were great and have just had a claim with flooring and again they were great have had no problems at all
I phoned GIO on behalf of a friend, requesting the Home & Contents Insurance Policy PDS to be forwarded.
D.O.B. of the recipient was requested prior to it being issued. When I questioned this, I was then advised it could not be forwarded unless a quote was also issued.
I was speechless!!!
A potential client needs to review the PDS BEFORE a quote, to ascertain whether GIO's policy suits their requirement, (their advts. also advocate this).
This has cost GIO 2 potential clients.
Their attitude is beyond belief.
Does not even deserve 1 star!!
This company is absolutely useless, and that is putting it politely. Workers are clearly incompetent. Nobody gets back to you when they say they will, and we still waiting on damage to our roof and ceiling as a result of a severe jail storm in January to be fixed!! Meanwhile, we have water coming through the ceiling in all rooms whenever it rains! Stay away from this company.
Two full months and cannot reach them - with rooms out of commission
We had water come through a roof and affect walls and flooring in the major downpours a few weeks back, and initally was ok contacting them and getting contractors to do assessments, but repeated emails asking them to call me, and repeated attempts to call in and it's impossible to speak to them at all, no information given on what the process would be for repair and recovery.
Been without use of a major room (study), and a storage area, and have literally no idea when the claim will be progressed and how.
Reports were written six weeks or mo...re ago by three "make safe" teams who did nothing but measure and look. No information on what will be done, when, by who, in what order.. all they seem interested in is taking the excess cheque money when they've not even communicated what work will be undertaken. I'm sure we have mould in the walls and damaged batting, but their chosen subcontractor wants to do a "vaopur treatment" and are the only company in Australia that does this, so who knows if it's effective but can find nothing about it online. This must be the cheapest option showing they don't give a damn about our health or what making it safe and as new should look like. One assumes they're too busy merging with AAMI and Suncorp to look after customers. I will give them a few weeks to sort this out given the issues, but I've repeatedly told them water is coming in and nothing is being done.
They do not pay claims
We had a number of huge trees smash through our house last November. That is 4 months ago. Hundreds of thousands of dollars in damage. A large part of the hose unlovable. With help from the SES we put tarps on the roof to make the house water proof. A couple of times GIO have sent their builders to secure the roof and work out how to carry out the repairs. All had very little construction knowledge and their so called “make safe” team did more and more damage. We ended up buying our own heavy duty tarps and fixing and maintaining them ourselves.... We got builders quotes ourselves and sent them on to GIO in a number of emails with absolutely no response. Chased up with a phone call and each time sent to a different assessor. Clearly GIO have no immediate intention of paying our claim so I guess we now have to get lawyers involved. We have been with GIO for thirty years. What a waist of money. Don’t insure with GIO or any of the Suncorp group they clearly don’t pay claims without a big fight
How Do Insurance Get Away With Profiteering!
Beware when adding your details. They already use your address in their database.
When you have a policy with them your insurance quotes will be three times higher then a new policy if the new quote does not have that address in there system. How can you charge a person $1000 for their house insurance one year and the next year quote $4000 without having claimed. Don't be fooled by the system. How they get away with this fraudulant behaviour is barbaric. Also make sure you know which insurance company owns or the other. Good when you have to shop around for quotes.
Questions & Answers
I would be very interested to hear from somebody at GIO about their reviews here and what I consider a very poor rating of 2 stars from 122 reviews . Does this even concern anybody at GIO ? It concerns me to think my family has been paying thousands of dollars every year for the last 45 years for what seems to be second rate insurance . Very disturbing for a staunch loyal 45 year customer .
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.