GIO Insurance Reviews 39

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.

Insurance is supposed to bring peace of mind. GIO's version does the opposite.

While 300 km away from home, my motel room was broken into while I was asleep. My wallet, car keys and car were all stolen. The theft was actually caught on CCTV and the vehicle was recovered, though with some damage. Police also sent a forensic person who dusted for fingerprints. Police recognised the thief in the CCTV video, arrested her and have contacted me wanting a statement, which I gladly agreed to do.

Despite the arrest, despite the video evidence and despite my having no wallet, debit card, licence or anything really, GIO harassed me via email until I paid the policy excess then, once they had even more of my money, IMMEDIATELY accused me of FRAUD.

They, GIO, then set their 'trusted industry partners/attack-dogs - Brooksight Investigations - on me. Handing over to them ALL of my personal details - 'phone number, email address, date of birth - sufficient information for these dubious characters to steal my identity.

When I tried to resist they quoted some clause buried deep, on about page 96 in their PDS. I don't know anyone else who reads that stuff......

I am not best pleased by this development.

I have 4 vehicles insured, 3 cars and a motorcycle all comprehensively insured with these charlatans. Well had. I have already cancelled the other two cars and the motorcycle policy. All now covered with a proper insurer.

Give these people a big swerve. I know all insurers are the lowest of the low but there must be a more honest and reliable insurer than these people.

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.

Our experience with GIO and Suncorp has destroyed our home, our health, and our lives.
Our claim began 9 years ago following a defined insurable event. What should have been a straightforward claim escalated due to repeated insurer mishandling and negligence. Most significantly, toxic mould was introduced into our home 3.5 years ago as a direct result of the insurer’s actions and failed remediation process. Today, as a direct consequence of that repeated mishandling and negligence, the home still contains toxic mould and now also disturbed asbestos. It requires a full knockdown and rebuild — or must be sold as land value only — entirely because of the way GIO and Suncorp handled this claim.
Instead of resolving the original issue properly (which should have cost no more than $30,000), the situation has escalated into a $2 million+ disaster.
During these back to back claims, we have endured: Severe water damage and toxic mould contamination introduced during insurer-managed works
Cross-contamination caused during remediation
Disturbed asbestos on multiple occasions
Fire risks created by non-compliant repairs
Repeated incomplete, defective, and non-compliant repairs
Unqualified and unskilled trades repeatedly sent to our home
Excessive and ongoing delays
Misleading assessments and reports
Harassment, intimidation, and aggressive conduct from contractors, claims staff and management
Stolen contents (reported to police)
Discarded or altered contents without our consent
Attempts to pressure us into accepting inferior mould remediation
Attempts to have us accept inferior finishes, alongside refusal to provide a correct, detailed, and like-for-like scope of works
GIO repeatedly failed to follow independent expert advice, leading to compounding damage and ongoing risk. Each attempt to “fix” the situation created new problems.
We are now homeless. Our belongings remain in storage under GIO’s name and face disposal if we do not collect them. Our physical, emotional, and mental health have been severely impacted by this prolonged claims trauma.
Despite knowing the policyholder is elderly, disabled, and vulnerable, GIO and Suncorp cut off funding for temporary accommodation and all other claims related expenses during cash settlement negotiations. They are now our burden due to the situation GIO created. This appears to be a pressure tactic. Rather than taking responsibility for the consequences of their mishandling, they issued lengthy legal correspondence and sent a renewal notice for a property we have not been able to use, for years.
When cash settlement discussions began, their conduct became more aggressive. The settlement offered does not fairly reflect the damage caused by their actions.
We have written repeatedly to CEO Steve Johnston but currently are being ignored. The conduct we have experienced feels systemic, not accidental.
This experience has felt like corporate abuse and coercion. When GIO and Suncorp make mistakes, they fail to genuinely make things right. Instead, they minimise, delay, and pressure customers into unfair outcomes.
What is the point of insurance if the insurer causes more harm than the original event?
Let our experience serve as a warning to others.
The destruction of our property, finances, stability, and health is unforgivable.

GIO is one of the worst insurance companies I've ever had to deal with. It wants you to go on line but then you have to jump through a million hoops and even then you get referred to a customer service person who then makes you go through more hoops. I hate all insurance companies but GIO sets a new standard for crap.

I’ve been a GIO customers, with multiple policies at a time, for over 40 years. I have had few claims; generally they’ve been handled in a reasonable way, albeit a bit more slowly when I have chosen my own repairer.

However, the telephone enquiry system is maddening. It asks me to provide information, which appears NOT to be transmitted to the person who takes the call (and, lately, a person who is not in Australia). I do not like to answer a machine’s questions, but, if I must, it would be good for the process to be meaningful. Unfortunately, I am asked to repeat everything again, which is a waste of time and very irritating.

I presume that those whom I reach eventually are human, but they appear to be very tightly scripted and inflexible. They repeat “information” after I’ve said that I didn’t want what they suggest. The GIO used to do very
much better!

We've been with GIO for years - for our car insurance, CTP, Home and Contents, and now Landlord insurance. I needed some help digging up details for a previous year, and Jenn from Brisbane was friendly and helpful. Over the years we've had a couple of claims (husband hit a roo, roof trouble during a storm) and GIO's customer service is 100% worth it.

Awful. Got hit in the back, provided all the details of the other driver, yet being asked to pay excess.

One star? It should be zero stars.
I’ve had insurance with several companies and GIO is by far the worst.
The repairer they sent was terrible, and the entire claims process was painful. I had to deal with overseas call centres where staff were rude and unfamiliar with the process. I was sent in circles, wasting my time, and then eventually told to do something completely different and start all over again.
Extremely disappointing and frustrating experience.

If only I could click no stars. I have to note first that GIO was far from the cheapest quote. I was involved in a no-fault accident with 2 other cars. All three cars have been declared a total loss by an assessor (non-GIO). Now, 9 days after the accident, I'm being told another 10-14 days before a GIO assessor can view the car. I have agreed value, assuming they are going to try wriggle out of that. Also, I work 70km from home, they haven't even offered a loan car, which I have organised separately under the at-fault's insurance. My replacement car and other insurances will no longer be with GIO.

One star is too many! The most woeful insurance company and experience my partner and I have ever dealt with. Buyer beware.
Almost one month after having an accident and GIO are still making us prove that we had an accident on the night we did. Apologies, kangaroos don't provide statements, just huge dents preventing use of the passenger door. We called immediately after arriving home, we called the next day, we call and call and call. My partner has been interrogated, provided evidence and still, our case has not been assessed. Wish we never went with GIO.
Hopefully the Canberra stadium rethink their relationship with GIO in the future.

My uncle’s car insurance policy for a 2013 Toyota Corolla was increased from $3727 to $4706even though it is insured for less than 10,000 km per year. He has never claimed on insurance and hardly drives. Needless to say, I have not allowed him to renew his policy with GIO and will make a complaint to the ombudsman and publicity to warn other drivers about this company that preys on the elderly. Everyone I mentioned this to insists it must be a mistake and don’t believe me until I show them the policy renewal.

After reading all these negative reviews, I feel compelled to say something. I've been with GIO for almost 20 years and never had a problem. I changed to GIO after Seniors Insurance tried to tell me my Honda was a luxury car and doubled my premium. GIO have an office in the town where I live. The staff go out of their way to make sure I have the best insurance at the best price. I've had 2 minor scrapes with my cars in all that time. They could not have been more helpful. Having car, house and contents insurance with them helps to make premiums more affordable. I'm very happy with them.

Had an at-fault accident on 3/8 and paid the excess that same day. I visited their preferred repairer on 4/8 and called them afterwards to say the repairer was rude and asked if I could get a second quote. They said yes, but told me to wait.

By 12/8, I hadn’t heard anything, so I called. They told me the first quote was received on 6/8, that the car could be repaired but it was too expensive. I asked again about a second quote, and was told to wait. By 19/8, still nothing, so I got a second quote myself and called to let them know. They told me to email it.

On 21/8, they called to say an assessor was booked for 28/8 to discuss the first quote. I asked about my quote, but got no response. When I requested to speak to complaints, I was told no and instead put on hold for 40 minutes. The assessor finally called on 26/8 and said the car was a total write-off. The first quote was $2007 plus $400 for wreckers, so they would take the car. When I asked about my $1200 quote, it was ignored. I asked if I could buy the car back for $400, but was told GIO doesn’t sell cars back to customers—they want to sell it themselves to recoup costs. I’d be paid $2200, minus ten months’ premium, CTP, and registration, because they get those refunds too.

No one would use my quote, and my questions were ignored. They took my child’s first car for minor panel damage that could be repaired for $1200. This was my only claim ever, and no one told me I couldn’t keep and repair the car myself. Communication was terrible, staffed mostly offshore, and overall the worst company I’ve dealt with. I wouldn’t recommend them—they prioritise their interests over customers and work with their paid repairers to make sure they benefit. If I could rate them zero stars, I would.

I've had my merc with GIO for over 4yrs, bought a demo. I dont understand how my car depreciates in value every year and yet my insurance policy go up every year by $500. I am now coming up to 5yrs and my insurance policy is more expensive then when I first bought my car at $4K+. look out for the excess for accidents & voluntary. Plus the level services is beyond poor.

My experience with GIO has been incredibly frustrating. My claim was mishandled, communication was poor, and responses were dismissive and delayed. Despite clear evidence of a recurring injury, I was told to start a new claim instead of receiving support.

The service from the case manager was unhelpful and lacked any empathy or urgency. Promises were broken, concerns ignored, and I felt like just a number in their system. GIO failed to provide the fair and respectful treatment every injured worker deserves. I would not recommend them to anyone needing genuine support during a difficult time.

My workers' compensation claim for workplace abuse, physical and psychological harm, and translating lifelong trauma to my mental health issues is why I have not been with GIO for very long. My case manager "Yasmine," who is often pleasant, respectful, and polite, rushed the call and demanded to know if there was anything else before I had had a chance to consider her suggestions. This was unfairly disrespectful, dismissive, and confrontational. I had the right to voice my displeasure, and she simply disregarded me since I had insulted her. I told her that I had a right to my opinion and that her service was appalling.
Her reaction to my request for a discussion with upper management was, "She'll call you back!" once more with malice in her condescending tone, failing to explain the procedure or whether waiting on hold or something similar was an option. Disgraceful. Crude. Unjustified .