GIO Insurance Reviews 

I cannot believe how I have been treated by this organisation. Between the weaponized incompetence and morally bankrupt policies I have no idea how this business is still standing. Disgusting to treat vulberable people the way that you do. I honestly dont know how the staff sleep at night.

The premium went up for my car insurance and so I shopped around. I thought I would easily do better. Nope! It turns out I still have the best price, and it's not even close! Good job, GIO.

Tried to renew my policy today after more than 15 years with GIO. The price hike was substantial and thousands of dollars dearer than similar policies with other providers. The 'sales' person I spoke to was so insulting and rude that I was the one who had to calmly terminate the call. I have switched today, saved thousands and enjoyed the exceptional service from the competitor.

This is, so far, the worst insurance company. Please don't fall into their trap with reducing cost in your policy. . The service and support I have received have been extremely disappointing. It took almost a year to reach the decision to decline my claim, and I felt there was poor communication and a lack of empathy throughout the process. The claim advisors don't really care about you; they contact you once in a while, and sometimes they don't even communicate the outcome of your treatments on time. HORRIBLE! I wish I could give them under 0 stars.

Really disappointed with my experience with GIO. I had an issue with my car and found the whole process much more difficult than it needed to be. It took a while to get clear answers, and I had to follow up multiple times just to find out what was happening with my claim. Different people seemed to give me different information, which made the situation even more frustrating. I expected better communication from an insurance company. Wouldn’t choose GIO again. So GIO suck me Dih

Unable to cancel policy.
App will not let you cancel.
Virtual assistant will not allow you to cancel.
Call and the send a link back to virtual assistant

So our current renewal is suggested to be a $300 per month increase. 🤷‍♂️
If GIO don't want your bussiness why not just say so. Highway Robery. 🤦‍♂️

I have been a loyal GIO customer for over 50 years, with 5 current policies with them, I rang last week to take out comprehensive insurance with them for a campervan i had just purchased, i expected to be treated with a competitive quote, what a joke. I took out the cover because of my situation, so in the last few days i have been chasing around for other quotes, not something i would normally do, expecting that GIO would treat me well. how wrong i was, choosing another insurance to go with saves me around $3,000.0 That what you get for being a loyal customer

Made a claim on 5 July 2026.

So what exactly does "choose your own repairer mean" - clearly differant things to GIO than to the consumer. When you read the PDF it is actually their choice - if they do not like the quote from your repairer they simply use someone else regardless of the inconvenience this causes you.

I requested damage to my BMW 240i X Drive to be repaired at my local BMW dealer, who is 1km away from the BMW authorised body repairer, who was the lead for the repairs. After 1.5 hours "discusssing" with the call centre, they wanted it repaired in Silverwater (about 35 kms away) by their "authorised" BMW reapairer. I finally had them agree it was not practical and they agreed my nominated BMW dealer could do the repairs. I thought that was the end of it. And when researching the BMW web page found the Taren Point repairer GIO wanted to use was not even an authorised BMW repairer.

In my naivety I thought that was the end of it. But it did not stop there.

The assessor then approved the body works (a week after putting in the claim), but "insisted" to them the mechanicals now had to be done at Taren Point - which is 30kms and an hour away - and it is not an authorised BMW repairer.

What happens if the repairs are not done properly..I will then have to drive for an hour, leave the car at Taren Point and get an Uber there and back. Unacceptable.

How is this customer service? I have multiple cars insured with them and this is my first claim in over 15 years.

So went back to the call centre, who agreed I had a choice of repairer and put me on hold to discuss with the assessor.

And what happened next....they cut me off!

So I go through the whole rigamorole with the online system again (it is clunky and time consuming) and having to explain everything again. Another wasted hour.

And now waiting for them to call back after they talk to the assesment team - who have not even got a quote from my chosen repairer!

And whilst I am waiting,waiting waiting on line I will recount our last experience with GIO for my wifes car where we traded in a X1 for an X2 and arranged for the insurance to be transferred over to the new car with a premium adjustment....but guess what. A year later when the car was hit from behind by another vehicle we found out that GIO had "inadvertantly" cancelled both policies. Unbelievable. Fortunately the other driver will claim for the damage on their policy.

Back to my claim...after a half hour wait they advised the assessor had left for the day (it was 4pm) and his manager would call me tomorrow. Cant wait.

So by lunch time the following day and no one from GIO has bothered to call me. I should not have been surprised.

And I would give GIO no stars if it was an option.

Update time! It is now a month since the claim was lodged and I am no closer to getting it back. It is sitting with the mechanical repairer and I am unable to get an answer as to when it will move to the panel shop - who will take around 4 working days to finailse it. Looks like 6 weeks all up without the car at this point...but it is not over yet!

Absolute worse deceitful and fraudulent. I have a physical disability so reply on other to maintain my gutters. After two of the same area on roof, at the left side steeple centre of room, I was told firstly gutter and cracked tiles where solar panels were placed then now told leaves solar panels. I went out to look and with only an iPhone 14 could capture absolutely no leaves and the area at the steeple not even assessed. They either had no spatial awareness of where on the roof to look or are simply an irreparable untrustworthy insurer.

After watching Current Affair channel 9 1st June 2026 & the treatment of Lily’s home repairs which is still not fixed in 10 years. She is still paying $1,500 annually even though she can’t live in the house is appalling.
Better off & cheaper to demolish the house & rebuild. Since they can’t get repairs right. I can see why reviews are one star. Don’t insurance with them.

Just changed my car insurance from GIO who l have been with for 26 years.
Insured for $14,300
GIO insurance cost $3645.61
Youi insurance cost $997.88
Insured for $13,600
Saved myself $2647.73 per year
Shame on you GIO

I’m extremely disappointed with the way GIO has handled my son’s e-bike damage claim (M101897057). It has now been over a month, and I’ve had to chase them almost every single day just to get any progress.

So far, I’ve spent around 10 hours on the phone either waiting on hold or speaking to different representatives, with little to no outcome. Communication has been poor, and the process feels unnecessarily slow and frustrating.

Based on this experience, I would not recommend GIO.

Clayton's insurance. The insurer you use when you don't need insurance.

Their first port of call is, if you manage to get through their labrynthine telephone thing - Dial 9 to eventually disappear up your own fundamental orifice - is their 'find a reason, any reason, to deny the claim.

Then comes the fraud team. Without any attempt to determine the particulars of a claim, GIO hand all of your contact details on to their 'trusted external agents' who will then hound you. You will receive an email inviting you to a 'video recorded session' at a location of their agents choosing and of an unlimited duration.

Steer clear if you value your mental health.

GIO Policy staff ,Dennis is so efficient ,attentive and fast working. She so far managed serve my and my girlfriend issues on phone call. In insuring our cars , upgraded my car policy absolutely efficient. For years so far, I've been recommending GIO to friends, my family. I keep insuring my house and cars under GIO. it's excess fee far better, reasonable than, NRMA. It's competitive compared to all other insurances

I’ve been a customer for so many years and I have lots of policies. They have received my home and contents renewal documents. They have put my insurance up by $1950. That is almost 40% increase. There is no way that I can justify this and I will not be ensuring with them ever again.

If I could give zero I would
The neighbours unit flooded resulting in my bedroom flooding. 5 days later and they are still working out whether to approve the claim to remove and replace carpet. Took them two days to be in contact after the claim; every time i call i get told something else, they try and twist your words on everything. They will do everything in their power to delay making a decision. Currently cannot sleep in my apartment because of the stench and mould but they won’t give me alternate accommodation. And somehow it is all my fault. Go anywhere else but GIO

Ridiculously slow. I see they've been taken to court ALOT. Should be taken for "due despatch". Thats about we are at now. Emails get automated replies and no response by humans, seemingly Ever.

Worst staff members
All they want is to you to return to work as soon aas you think you. An,,,,,. Doesn’t matter about your physical capacity

Scum, kissing employers assed

A disgrace to the legacy …. Which is you think???

Get a degree

Client centred

One star is too many.

I have been with GIO for decades and have hardly ever claimed. We incurred water damage (with ensuing mould) in our home in December 2025. Over 3 months later with hours of wasted time, two days of leave to wait for assessors to come, many calls, emails, and complaints, we still have no complete assessment of the damage. They are 'gonna, gonna' but never do.

Despite not having an assessment and no costing to fix the damage, we are repeatedly badgered to settle the claim. When asked why they do this as it is not possible to settle when the cost is unknown, they say it is part of their 'standard process'. Several of their claims managers (you can never speak to the same person twice) are automatons who seem unable to appreciate the logic of needing an assessment of the damage in order to work out what the repair cost is.

Appalling and completely unprofessional service and company. Extremely disppointing after being a loyal customer for so many years. I do not reccommend this insurer to anyone.