Quick & easy insurance with initio, backed by IAG.

Making insurance easy, keeping premiums down and paying claims fast.

  • Start cover now, with online payment options.
  • Change cover & make claims online through your dashboard.
  • Dedicated team ready to support you.
  • Cover you can trust, backed by AA- rated insurer IAG

Get House Insurance Quote    Get Car Insurance Quote

Gilligan Rowe + Associates

GRA and initio have teamed up to provide you with competitive online insurance for your house and contents, rental properties, holiday homes and car.

GRA insures with initio because its easy, competitive and is speciality cover designed for landlords and property owners.

GRA clients get discounted house insurance premiums with initio.


Initio are cheaper than other insurance companies by up to 1/3 and offer similar cover. In my opinion it’s a no-brainer to insure your properties with them.

House and Contents Insurance

Cover for your own home & contents. Combine cover and only have one excess if something happens to both.

Replacement Cover

Rebuild or repair your house and other structures up to your sum insured.

Personal Contents

Replace or repair lost or damaged belongings. New-for-old cover (except for some items like bikes).

Legal Liability

Cover legal costs if an accident injures someone, or causes damage to others' property.


Landlord Insurance

We include everything you need as a landlord

Loss of Rent

Up to 12 months' cover of $20,000-$80,000 following damage to your house

Deliberate Damage

Up to $25,000 for damage or theft by your tenants

Meth Contamination

$30,000 of clean-up cover. Loss of rent paid in addition also.


Car Insurance

Full Cover vehicle policies automatically include the following benefits:

Agreed Value

You pick the value within a range we provide, and that's the value - no argument.

No Excess Glass Cover

Don't pay an excess for damage to windscreens, windows or driving lights.

Select Business Use

Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.


Initio Dashboard Example

Manage your properties with the Initio Dashboard

  • Self manage your portfolio 100% online

    GRA clients get access to their own personalised dashboard.  Plus you have full phone and email support when you need it.

  • Easy and frictionless experience!

    You can change your policy, lodge claims, add and cancel policies or get documents all online yourself from your smart device.