Ah, comprehensive insurance from GIO—Australia's answer to "I'll cover everything, just in case". This policy typically covers damage to your vehicle from accidents, theft, fire, and even those pesky acts of vandalism. It often includes third-party property damage, meaning if you crash into your neighbour's prized garden gnome, you're covered.
Prices vary widely depending on your car's make, model, age, and your personal history, but expect to pay anywhere from $800 to $2,000 annually for a typical family sedan. For used cars, the cost tends to skew lower, but check Tradingpost or CarShowroom for market values to gauge your premium.
Be sure to read the fine print on excesses and exclusions or visit ServiceCentral for policy comparisons. Comprehensive insurance is peace of mind, until you realize you’re paying for it every month.
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