Comprehensive Car Insurance

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Enjoy a great range of benefits, including:

What we cover

Easier insurance

  •  Speak to a real person 24/7

    Our call centre is open all day, every day. So no matter when you call, you’ll speak to a real AAMI insurance expert. You can also contact us on Facebook or Twitter.

  •  Hassle-free paperless claims

    There's no paperwork associated with AAMI claims. You'll also experience ongoing communication throughout the process.

  •  We’ll tow your damaged car

    If your car cannot be safely driven after an accident AAMI will pay reasonable costs to have your car towed to the nearest repairer or place of safety.
     

  •  Complimentary taxi service

    When you bring your car to an assessment centre for repair, we'll organise a complimentary taxi to take you to and from home or work (available in areas covered by our assessment centre network).

More flexibility

  •  Choose your own premium and excess

    With AAMI Flexi-Premiums® you can choose how much you pay and how much you save, simply by varying your excess. The higher excess you choose, the lower your insurance premium. It's that easy.
     

  •  Save by getting a quote online

    When you get a quote online, we'll give you an up-front discount on your policy. Simple.

  •  Manage your policy online

    Update and view your policy and claim details online anytime with AAMI's online tools.

  •  Flexible payment options

    With AAMI you can choose to pay annually or by the month (it's cheaper to pay annually).  And with a variety
    of payment methods (card, B-Pay, Australia Post), it’s easy to get covered quickly.

Repairs & replacement

  •  If your car is damaged…

    We’ll guarantee the repairs we authorise for the life of the car – even if you sell it.

    When you bring your car to an assessment centre for repair, we'll organise a complimentary taxi to take you to and from home or work (available in areas covered by our assessment centre network).

  •  If your car is stolen…

    We’ll give you a hire car for up to 21 days.
    Once your claim is approved, we’ll write it off if it’s not recovered within 14 days.

  •  If your car is written off…

    We’ll pay you the amount covered.
    If your car is less than 2 years old and you are the first registered owner, we will replace it with a new car.

Optional extras

Car insurance benefits

  •  AAMI Safe Driver Rewards®

    The AAMI Safe Driver Rewards program provides rewards and benefits to safe drivers. If you don’t make a claim that impacts your Safe Driver status, we will reward you with a credit on your next year's premium, of up to 15%. As you advance through our program, you will progressively earn more rewards , including a larger discount on AAMI Roadside Assist and even Safe Driver Rewards status protection.

    15% credit for drivers who don't make a claim that impacts their Safe Driver Rewards status for 9 years. Credit is a percentage of the rated premium paid the previous year.

  •  AAMI Skilled Drivers Course

    If you, your children or grandchildren are under the age of 25 and are comprehensively insured with AAMI you are eligible for a free one-day AAMI Skilled Drivers Course, designed to improve driver awareness and competence. You will also get a 10% discount off your AAMI Comprehensive Car Insurance upon completion of the course until you turn 25. See the PDS for details.
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