{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "gio",
  "name": "GIO",
  "website": "https://www.gio.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "GIO Home & Contents Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Classic",
     "Classic Extras",
     "Platinum"
    ],
    "eligibility": "Owner-occupied homes (principal residence or holiday home) with the insured address in NSW, ACT, VIC, WA or NT; not for landlords' tenanted properties.",
    "states": [
     "NSW",
     "ACT",
     "VIC",
     "WA",
     "NT"
    ],
    "documents": [
     {
      "title": "Home & Contents Insurance Product Disclosure Statement (prepared 31 January 2025)",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Target Market Determination - Home and Contents Insurance",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Home & Contents Insurance Additional Information Guide",
      "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf",
      "date": "2026-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "There are three levels of cover to choose from: Classic, Classic Extras and Platinum.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "There are three levels of cover to choose from: Classic, Classic Extras and Platinum.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf#page=7",
       "page": 7,
       "document_sha256": "32d9c492d3b630618bca7bf97f384554446d0179ad6602cda4645e5aaec1bdd5",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Safety net home protection (Home building cover only) Optional 25% included 30% included",
      "url": "https://www.gio.com.au/home-insurance/home-building.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Safety net home protection (Home building cover only) Optional 25% included 30% included",
       "url": "https://www.gio.com.au/home-insurance/home-building.html#:~:text=Safety%20net%20home%20protection%20%28Home,Optional%2025%25%20included%2030%25%20included",
       "document_sha256": "8c3a652dce5ec25029bcbde6bcc1f31bc123c4d60b13560e5204adff442f2630",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage caused by flood.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage caused by flood.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=43",
       "page": 43,
       "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Depending on the level of cover purchased accidental damage is optional or automatically included in this policy.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Depending on the level of cover purchased accidental damage is optional or automatically included in this policy.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-building-kfs-g30033a-24-05-25-a.pdf#page=1",
       "page": 1,
       "document_sha256": "67f9b59f1aec6bfac5140ffa3f92f70e1a46d8bf0e0b3753b8213a284d234745",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-tmd-31511-27-06-25-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "32d9c492d3b630618bca7bf97f384554446d0179ad6602cda4645e5aaec1bdd5",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=17",
       "page": 17,
       "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.gio.com.au/documents/home-and-contents/home/gio-home-contents-aig-16953-01-08-26-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "ceca229ff1a04a298c635e744653758282dd4d450b55ab5640370f8e2ed20228",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Sum insured basis: you choose the home sum insured. Safety net home protection pays up to a further 25% (Classic, optional; Classic Extras, included) or 30% (Platinum, included) of the home sum insured and does not increase the sum insured.",
     "Accidental damage at home is optional on Classic and automatically included on Classic Extras and Platinum.",
     "Flood is an insured event in the PDS; the PDS does not offer removing it. Actions or movements of the sea and storm surge are not covered as flood.",
     "Building cover is sold within the Home & Contents PDS (home, contents or both)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "home-contents-insurance-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "GIO Landlord Insurance (property cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owners of an investment (tenanted) property; insured address must be in NSW, ACT, VIC, WA or NT.",
    "states": [
     "NSW",
     "ACT",
     "VIC",
     "WA",
     "NT"
    ],
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement (prepared 31 January 2025)",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Supplementary PDS - Landlord Insurance (prepared 2 July 2026)",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-spds-041126.pdf",
      "date": "2026-07-02"
     },
     {
      "title": "Target Market Determination - Landlord Insurance",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Landlord Insurance Additional Information Guide",
      "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf",
      "date": "2026-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Landlord Property Insurance Covers the property and permanent fixtures and fittings.",
      "url": "https://www.gio.com.au/home-insurance/landlord.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlord Property Insurance Covers the property and permanent fixtures and fittings.",
       "url": "https://www.gio.com.au/home-insurance/landlord.html#:~:text=Landlord%20Property%20Insurance%20Covers%20the,and%20permanent%20fixtures%20and%20fittings.",
       "document_sha256": "66097afaa2fbf96bed688be07e798f93e8ae1c37f81eba99500ca5fdaa4a94c7",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – GIO Agencies;",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf#page=6",
       "page": 6,
       "document_sha256": "f18d28842d0bfa171149d646ee6b8fdba702f590c47009de3c32a688e494c792",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "we’ll pay up to a further 25% of the property sum insured towards either:",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "we’ll pay up to a further 25% of the property sum insured towards either:",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=61",
       "page": 61,
       "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage caused by flood.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage caused by flood.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=38",
       "page": 38,
       "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Add optional covers for an additional premium, like motor burnout and accidental damage at the property",
      "url": "https://www.gio.com.au/home-insurance/landlord.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Add optional covers for an additional premium, like motor burnout and accidental damage at the property",
       "url": "https://www.gio.com.au/home-insurance/landlord.html#:~:text=Add%20optional%20covers%20for%20an,accidental%20damage%20at%20the%20property",
       "document_sha256": "66097afaa2fbf96bed688be07e798f93e8ae1c37f81eba99500ca5fdaa4a94c7",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "GIO products are also targeted at customers who have an insured address that is located within an acceptable State or Territory (NSW, ACT, VIC, WA and NT).",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-tmd-31513-27-06-25-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "f18d28842d0bfa171149d646ee6b8fdba702f590c47009de3c32a688e494c792",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/landlord/gio-landlord-insurance-pds-22217-24-05-25-a.pdf#page=17",
       "page": 17,
       "document_sha256": "ec5bf8a2ea2909bf4488acce364a7479b5e225246c64dfbfd1073fdca0e47a5f",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.gio.com.au/documents/home-and-contents/landlord/gio-landlord-aig-17169-01-08-26-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "dcabd372507ae8c1cf5762f1133db774434a58b4905a93d5acf6a356a6027337",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Sum insured basis with Safety net protection (property cover only): up to a further 25% of the property sum insured, which does not increase the sum insured. In the PDS it is listed with the additional covers, not the optional covers.",
     "Accidental damage at the property is an optional extra (extra premium).",
     "No cover for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of cover (very limited exceptions)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected, so a vacancy between tenants counts.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "landlord-insurance-property-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "GIO Business Protect (Policy Section 1 - Property damage)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Australian-based businesses with turnover under $10m a year, in occupations GIO accepts, that have buildings, contents or stock at the premises.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement and Policy Wording",
      "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf",
      "date": "2024-08-12"
     },
     {
      "title": "Flood Supplementary PDS",
      "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf",
      "date": "2023-12-07"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf",
      "date": "2025-06-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.",
      "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.",
       "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=3",
       "page": 3,
       "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution channels: websites and contact centres;",
      "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution channels: websites and contact centres;",
       "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=6",
       "page": 6,
       "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "distribution channels: websites and contact centres;",
      "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution channels: websites and contact centres;",
       "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=6",
       "page": 6,
       "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. Flood We cover LOSS or DAMAGE caused by FLOOD",
      "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. Flood We cover LOSS or DAMAGE caused by FLOOD",
       "url": "https://www.gio.com.au/documents/business/business-protect/32118-071223-a-gio-business-flood-spds.pdf#page=1",
       "page": 1,
       "document_sha256": "fd5b11cb278313a6817e4f24c0d5d455911c0c77beb96515c278a54e73f0f86d",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”",
      "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Where your policy schedule shows that you have chosen to insure for “Accidental Damage”",
       "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf#page=38",
       "page": 38,
       "document_sha256": "7ae09c6d1cdebebce7c8a7f932bcf92f6ecd2684b25e6a978cd5c299177b2f50",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The GIO Business Protect Insurance Policy is designed for Customers who operate an Australian-based business with a turnover less than $10m a year.",
      "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The GIO Business Protect Insurance Policy is designed for Customers who operate an Australian-based business with a turnover less than $10m a year.",
       "url": "https://www.gio.com.au/documents/business/business-protect/31458-25-06-25-gio-business-protect-tmd.pdf#page=4",
       "page": 4,
       "document_sha256": "71142c17f327c864fde569c95115db2f0657d42aa1c97de5c7b022f22a0db5ec",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
      "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
       "url": "https://www.gio.com.au/documents/business/business-protect/gio-business-protect-pds-120824.pdf#page=19",
       "page": 19,
       "document_sha256": "7ae09c6d1cdebebce7c8a7f932bcf92f6ecd2684b25e6a978cd5c299177b2f50",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Property damage is one policy section; buildings are covered only if the section is shown on your schedule and you are the owner or responsible for the building.",
     "Accidental damage is an insured event only where chosen on the schedule, up to $250,000 or the total sums insured, whichever is less.",
     "Flood is covered through the December 2023 Flood SPDS, with a 72-hour waiting period from policy start or from adding or changing Policy Section 1."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless GIO agreed in writing (may add premium, conditions or a higher excess).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "business-protect-policy-section-1-property-damage",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "GIO Retail Business Protect (Policy Section 1 - Property damage)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Australian-based retail, accommodation and food businesses with turnover under $10m a year that have buildings, contents or stock at the premises.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement and Policy Wording",
      "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf",
      "date": "2024-08-12"
     },
     {
      "title": "Flood Supplementary PDS",
      "url": "https://www.gio.com.au/documents/business/retailer/32121-071223-a-gio-retail-business-flood-spds.pdf",
      "date": "2023-12-07"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf",
      "date": "2025-06-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.",
      "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for property that can be insured and includes the buildings, contents and stock that the Customer uses or is responsible for as part of the Customer’s business.",
       "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=3",
       "page": 3,
       "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "channels: websites; and contact centres;",
      "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "channels: websites; and contact centres;",
       "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=6",
       "page": 6,
       "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "channels: websites; and contact centres;",
      "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "channels: websites; and contact centres;",
       "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=6",
       "page": 6,
       "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Insured events include flood, fire, storm, impact, lightning, explosion and earthquake.",
      "url": "https://www.gio.com.au/business-insurance/small-business/retail.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Insured events include flood, fire, storm, impact, lightning, explosion and earthquake.",
       "url": "https://www.gio.com.au/business-insurance/small-business/retail.html#:~:text=Insured%20events%20include%20flood%2C%20fire%2C,impact%2C%20lightning%2C%20explosion%20and%20earthquake.",
       "document_sha256": "e1214e44da84ccd6d8c0d0961eeb275844b5cdda7d30cb49430411c4475a4d8e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The GIO Retail Business Protect Insurance Policy is designed for Customers who operate an Australian-based retail or accommodation and food business with a turnover less than $10m a year.",
      "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The GIO Retail Business Protect Insurance Policy is designed for Customers who operate an Australian-based retail or accommodation and food business with a turnover less than $10m a year.",
       "url": "https://www.gio.com.au/documents/business/retailer/31461-25-06-25-gio-retail-business-tmd.pdf#page=4",
       "page": 4,
       "document_sha256": "f1676d6bdbc768dad2950d7b6860a736617f8ca95e88b6026370fc43ea1c6ab8",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
      "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
       "url": "https://www.gio.com.au/documents/business/retailer/gio-retail-business-protect-pds-120824.pdf#page=19",
       "page": 19,
       "document_sha256": "2abeb62b757db555350c765bde082d45aa600d5588f0a3f8e146a9fc7560f854",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Property damage is one policy section; buildings are covered only if the section is shown on your schedule and you are the owner or responsible for the building.",
     "Retail PDS lists a sub-limited accidental damage cover only for home buildings used for business; accidental damage is not recorded for commercial buildings.",
     "Flood is listed among the events covered by Property Damage on GIO's retail business page; a Flood SPDS (December 2023) also applies to this PDS."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless GIO agreed in writing (may add premium, conditions or a higher excess).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "retail-business-protect-policy-section-1-property-damage",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "GIO Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "direct",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "states": null,
    "documents": [
     {
      "title": "Strata Insurance Product Disclosure Statement",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Strata Insurance Target Market Determination",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf",
      "date": "2025-06-25"
     },
     {
      "title": "Strata Insurance Additional Information Guide",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "GIO Strata Insurance provides cover for townhouses, units, and duplexes under a strata, body corporate or community title, for incidents including theft, accidental damage, and damage from weather events like flood, storm and fire",
      "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "GIO Strata Insurance provides cover for townhouses, units, and duplexes under a strata, body corporate or community title, for incidents including theft, accidental damage, and damage from weather events like flood, storm and fire",
       "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=GIO%20Strata%20Insurance%20provides%20cover,like%20flood%2C%20storm%20and%20fire",
       "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Call 13 10 10 for a quote",
      "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 13 10 10 for a quote",
       "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=Call%2013%2010%2010%20for%20a%20quote",
       "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Call 13 10 10 for a quote",
      "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 13 10 10 for a quote",
       "url": "https://www.gio.com.au/home-insurance/top-strata-residential.html#:~:text=Call%2013%2010%2010%20for%20a%20quote",
       "document_sha256": "88cffe91018dac8b8ebd6b26c3ac9adbf50ad173e038d59cdc266bed1635c86c",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
       "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
       "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
       "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-tmd-31515-25-06-25-a.pdf#page=3",
       "page": 3,
       "document_sha256": "419cd4f1e93218212950049336923a3194eec5d89117b3a108960d408bd3a4b0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
       "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-pds-a05127-24-05-25-a.pdf#page=17",
       "page": 17,
       "document_sha256": "73586d74ac0e7434d34c8180f4cb6c1a571a879b337e1acb67f2e7aeaa476fc3",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "The unoccupied excess is $1,000",
      "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The unoccupied excess is $1,000",
       "url": "https://www.gio.com.au/documents/home-and-contents/strata/gio-strata-insurance-aig-17193-24-05-25-a.pdf#page=3",
       "page": 3,
       "document_sha256": "0efa55554e99d30f0bdb60cac572452fc87f70244a2e145b93cd2aae45e942a9",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.",
    "conditions": [
     "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.",
     "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Applies only when 50% or more of the lots have not been occupied (furnished, lived in, utilities on).",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "When we say ‘we’, ‘us’, ‘our’, or ‘GIO’ we mean AAI Limited ABN 48 005 297 807 trading as GIO.",
    "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "When we say ‘we’, ‘us’, ‘our’, or ‘GIO’ we mean AAI Limited ABN 48 005 297 807 trading as GIO.",
     "url": "https://www.gio.com.au/content/dam/suncorp/insurance/gio/documents/home-and-contents/home/gio-home-contents-insurance-pds-12318-24-05-25-a.pdf#page=11",
     "page": 11,
     "document_sha256": "a213aed2378c48e66287f9bb53ff01326a7b6af0b40b97c3e2954bd87c7126ac",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Same PDS family as Suncorp Insurance (both by AAI Limited, Suncorp Group). GIO sells only in NSW, ACT, VIC, WA and NT per the TMD. The landlord SPDS file is named 041126 and its footer reads '32465 04/11/26 A' but the text says it was prepared on 2 July 2026; the 4 Nov 2026 date is after the 16 Oct 2026 check date. GIO also lists a residential strata product (not covered here). | GIO Business Protect and GIO Retail Business Protect share the AAMI Business policy structure (same insurer, same Property damage section). Documents are listed on https://www.gio.com.au/policy-documents/business-insurance-policy-docs.html. GIO also sells Professional Business Protect, Mobile Business Protect and Motor Trade Business Protect; the Mobile and Professional packs were not examined for building cover. The Flood SPDS for Business Protect adds Flood as an insured event; check the SPDS date (7 Dec 2023) against the PDS (12 Aug 2024).",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "AAI Limited",
    "abn": "48005297807",
    "afsl": "230859",
    "lloyds": false,
    "slug": "aai",
    "apra": {
     "status": "authorised",
     "name": "AAI Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "230859",
     "name": "AAI LIMITED",
     "abn": "48005297807",
     "acn": null,
     "licensed_since": "2003-11-08",
     "locality": "Brisbane QLD 4000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/gio/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/gio.json"
 }
}