GIO Motorcycle Insurance Review

GIO is one of Australia's largest and longest running insurers - but is GIO right for your motorbike cover?

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By

Nicola Middlemiss

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Our Verdict

GIO's comprehensive policy covers the basics, plus a few extras. It's missing some common perks covered by other brands though, including key replacement.

Pros

  • Choice of repairer and trailer cover are included as standard on comprehensive policies
  • Get a 10% discount if you have at least three insurance policies with GIO
  • Get a hire car for Reasonable costs - Up to 21 days if your bike is stolen

Cons

  • GIO only covers motorbikes at Agreed or Market
    value, with no option for agreed value
  • We found 19 policies that cover key replacement, but GIO doesn't.
  • Business use isn't covered, including food or parcel delivery.

Compare GIO motorcycle insurance policies

Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
GIO Comprehensive Motorcycle Insurance
GIO Motorcycle Insurance logo
Agreed or Market
Summary: GIO offers more than some of its competitors with choice of repairer as standard in the comprehensive policy. This is typically an optional extra.

Who it might be good for: Riders who want the convenience of choosing their own repairer.
View details
GIO Fire, Theft and Third Party Property Damage Motorcycle Insurance
GIO Motorcycle Insurance logo
Agreed or Market
View details
GIO Third Party Property Damage Motorcycle Insurance
GIO Motorcycle Insurance logo
N/A
View details
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Price

The below prices are based on a fictional driver profile and should be used as a guide only. Your own quote will differ based on the model of your motorcycle, your driver history and many other personal circumstances. The below reflects costs for a comprehensive motorcycle insurance policy.
Keep in mind, the best motorcycle insurance for you may depend on more than price.

Provider Annual cost for $7,000 bike Annual cost for $29,000 bike
GIOUnable to get online quote Unable to get online quote
NRMA$804.14$1,753.27
QBE$539.34$1,281.24
AAMI$1,103.81Phone call needed to confirm quote
Swann$688.33$1,114.77
Budget Direct$521.81Did not offer insurance.
Suncorp$1,103.29Phone call needed to confirm quote
Mi bike$851.68$2,428.02

What additional cover options are available?

GIO doesn't offer any additional cover options, you can only choose between the three standard policies - third party, third party fire and theft, and comprehensive.

However, you are able to adjust your excess. If you choose a higher excess, your policy premium will be cheaper. If you choose a lower excess, your premium will be more expensive.

FAQs

Compare other products from GIO

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 239 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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