Based on 185 GIO home insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
GIO are a good solid insurance company! I've had house and contents insurance with them for more than 10 years, and I at present see no reason to change from the current arrangement. They allow you to tailor your cover to your own particular circumstances, which suits me. They also have a proven reputation. I guess the disadvantage is the price of the premiums, they have gone up with inflation, like everything else in our economy.
Value for money Policy coverage Customer service Claims handling Evan, New South Wales, reviewed 10 months ago
The coverage was good and it could be tailored. I had a multi policy with home & contents, car, and caravan and had never made a claim in the 12 years I had the policies. My home & contents insurance went up 53% recently. When I spoke to them about the increase, they didn't make any offers to try and keep me. I shopped around and subsequently took my insurance needs elsewhere.
Value for money Policy coverage Customer service Leigh, Victoria, reviewed about 1 year ago
Gio will do absolutely anything to avoid paying a claim. Our property was 40cm underwater in 2022 floods, our fibreglass pool popped out of the ground and cracked down the middle during the flood, despite photos and expert reports from 3rd party geo technical engineers confirming without doubt that it occured as a result of the flood, they still refused our claim. We have 9 different insurance policies with GIO and have been with them for 15years plus, they are thieves. Avoid at all costs.
Value for money Policy coverage Customer service Claims handling Debbi, New South Wales, reviewed about 1 year ago
Unorganised claims department that makes many errors then avoid you and delay the claim. They then try to cover up the errors and refuse to discuss. Errors on reports. Errors when they do communicate. Don’t supply reports. Slow to assess and also to begin work. Twist the truth. Use their pool of panel builders. From experience they use subcontractors who are unskilled and not only do they not fix the issue, but cause further damage. GIO do not support you after this. They just try work their way out of it while gaslighting you. They allow crooks aka contractors to charge insane prices for work that isn’t completed. I’d love to show the shareholders how much has been wasted and mismanaged. Premiums are skyrocketing and claims department is incompetent. I can’t believe how GIO treat people during stressful claims and how they delay for significant periods. I don’t know what has happened to this company but it’s frightening and illegal what they do.
Customer service Claims handling Gio, New South Wales, reviewed over 1 year ago
GIO Home Insurance, though it has its merits, is akin to a leaky umbrella - it provides some protection, but leaves you exposed when it matters most. The 20% silver lining in this cloud is their customer service; the team is polite and responsive, which makes the process more bearable. However, 80% of the time, it feels like navigating a labyrinth of disappointment. Their coverage options are restrictive and can be frustratingly inflexible. Claim processing is slow and cumbersome, and the fine print often conceals unpleasant surprises that may leave you feeling betrayed. The premiums can be steep, making it challenging for those on a budget to obtain satisfactory coverage. While GIO's digital platform is user-friendly, it doesn't compensate for the shortcomings in policy offerings and overall value. Those interested in GIO Home Insurance should carefully evaluate their options, deciphering the fine print and seeking alternatives that better cater to their requirements.
Value for money Policy coverage Customer service Claims handling Danielle, Western Australia, reviewed over 1 year ago
GIO will do everything they can to weasel out of a claim. If you ever make a claim be sure to escalate because they'll use every trick in the book to deny you. It took me 2 months to battle them before they finally agreed to pay up. They're underwritten by Suncorp Insurance. Not impressed.
Value for money Policy coverage Customer service Claims handling Gary, New South Wales, reviewed over 1 year ago
Have been with GIO for sixty years. They have been fair in what they have given me for my claims but have knocked me back on some tiling job so really I think insurance is getting very expensive but know it has to be done.
Value for money Policy coverage Customer service Claims handling Beverley, New South Wales, reviewed almost 2 years ago
I have never had any problems when dealing with GIO. The staff have always been helpful and the policy has always covered everything that I have expected it to.
Value for money Policy coverage Customer service Claims handling Cindy, New South Wales, reviewed almost 3 years ago
Service outlet provides helpful advice in avoiding unnecessary expense. They take into account the reality of my needs and my situation. It is rare to find a company that provides a service that focuses on the individual needs of the client. I recommend very professional personalised approach.
Value for money Policy coverage Customer service Claims handling Mary, New South Wales, reviewed about 3 years ago
GIO assisted me with my policy to add on an E-bike to be covered under house insurance. They did an amazing job, their service was personable and they went the extra mile to make sure I got the best deal possible. GIO was very knowledgeable and easily understandable. They managed to get my policy discounted under the original premium with the added extra e-bike insured. Thanks so much.
Policy coverage Customer service Michaela, Victoria, reviewed about 3 years ago
The house I rent is insured with GIO.it is full of mould because GIO used a poor quality roofer years ago and I have been sick from the water inside the walls for years. Although they know about the problem and will probably fix the house, they will not provide a healthy residence for me while I wait and wait for them to fix the sickening mould problem. I have thrown out most of my furniture due to mould and now sleep in the dining room to avoid the mouldy carpet in the bedroom. GIO says they won't supply me somewhere to live because it's my landlord's policy, not mine. NRMA is my contents insurer and are not upholding my policy's offer of a healthy place to live until the house is repaired. Why are 2 big Australian insurance companies such losers?
Customer service Jonathan, New South Wales, reviewed about 3 years ago
I had a claim made on the 2nd of November 2020 and to this day, March 30 2021, they have still not made repairs, settled the claim or taken action. I have contacted their internal disputes team five times now and each time they make promises to sort it, they end up not doing anything. Don't waste time with internal disputes, go straight to AFCA and make a complaint. My house is mouldy, my family are stressed and exposed to mould. They have tried to cancel my claim, but had to honour it. They have investigated me for fraud and found nothing. They are continually trying to find a way out of providing insurance and it's now five months after the damage was caused. I have had private builders come in and quote it and try to get it fixed but GIO/Suncorp do nothing apart from make drama. Honestly, they are very bad. I would also be concerned if you're a shareholder of GIO as they clearly have no employee training that works, everyone is working from home and getting calls returned or even answered is a struggle. I have had case managers cry on the phone as they simply don't know what they're doing and must be getting worked to the bone by the management of GIO/Suncorp. I would use another brand like NRMA as GIO simply try everything and anything to get out of the claim including going through phone records, police checks, etc and for what? A water leak in the bathroom! They have made me feel like a primal, exposed my family to mould and health risk, don't respond to calls, don't make decisions to get things sorted. Very bad insurance company. Don't use. trust me, they're the worst.
