I would give this company a no star rating if I could. It's companies like this that I am sure insurance companies love as they want to cheat you but I find detestable. After getting my car back from the smash repairer in a state where I was afraid to allow my wife and children to ride in it. I complained and was told to send the car to my mechanic. He assured me that damage was done from the smash repairer and took photo's of the damage. I then had the assessor from GIO Assessment centre ring me up and in a roundabout way called me a liar, a cheat and told me there was nothing wrong with my car. I was delighted to be able to prove him wrong. I would advise everyone to avoid this company and possibly even avoid insuring with GIO if this company is indicative of what you can expect from GIO.