AAMI Comprehensive Car Insurance Policy

About excesses, ratings and benefits

Excesses

An excess on your policy is the amount you have to pay towards each claim. If your claim is for more than one occurrence, the excess(es) applicable to each occurrence will be payable.

The excesses that apply to your policy are shown on your insurance schedule and updated on your renewal notice. They are also described in our AAMI Comprehensive Car Insurance - Premium, Excesses & Claims Guide. See page 29 for how to access the Guide. When you make a claim we may require you to pay your excess(es) before we make any payment or provide you with any policy benefits, or we may deduct the excess(es) from any payment we make. We will tell you when and how your excess(es) are to be paid or deducted.

The types of excesses are:

Standard	This is the basic excess you must contribute towards each claim.
Flexi-Premium®	By choosing a Flexi-Premium excess you pay a lower premium by increasing your policy's excess. A Flexi-Premium excess is additional to your standard excess. Please visit aami.com.au or call us on 13 22 44 if you would like to take up or change a Flexi-Premium excess.
Age	This excess is additional to any other excesses if your car was being driven by a person in the age ranges specified on the most recent of your insurance schedule and renewal notice.
Additional	This excess may be imposed in special circumstances, for example on high performance cars. It is payable in addition to any other excesses.
Inexperienced driver	This excess is additional to any other excesses if your car was being driven by a person to whom an age excess does not apply, but who has held a driver's licence for less than two years.

Will you have to pay any excess?

What happened?		Will you have to pay any excess?
An accident or event that was your fault.		Yes
An accident or event that wasn't your fault	and you can give us the name and address of the person who was at fault or the registration number of their vehicle.	No
	but you can't give us the name and address of the person who was at fault or the registration number of their vehicle.	Yes, because we won't have the opportunity to recover the cost of the damage to your car.
Your car was stolen. Your car was damaged: while it was parked. by an animal or a weather event such as storm, wind or hail. by fire. maliciously.		Yes, use we won't have the opportunity to recover the cost of the damage to your car.

Ratings - the better your safe driving record, the lower your rating, the higher the discount on your car insurance premium

Ratings are a measure of your safe driving status and are used to provide you with a discount on your car insurance premium. The better your safe driving record, the lower your rating. For example, a rating three indicates a better safe driving record than a rating six. The lower your rating, the higher the discount on your car insurance premium. Providing no claim that negatively affects your rating is made on your policy, your rating goes down one level each year until it reaches rating one.

Will your rating be affected by your claim?

What happened?		Will your rating be reduced?
An accident or event that was your fault.		Yes No, if you are an AAMI Lifetime Rating One policyholder or if you have purchased AAMI Rating Protection. See also page 38.
An accident or event that: wasn't your fault, and is not listed below	and you can give us the name and address of the person who was at fault or the registration number of their vehicle.	No
	but you can't give us the name and address of the person who was at fault or the registration number of their vehicle.	Yes, because we won't have the opportunity to recover the cost of the damage to your car. No, if you are an AAMI Lifetime Rating One policyholder or if you have purchased AAMI Rating Protection. See also page 38.
Your car was stolen. Your car was damaged: while it was parked. by an animal or a weather event such as storm, wind or hail. by fire. maliciously.		No

AAMI provides these premium related benefits

	How is this benefit obtained?	What/who does it cover?	What is the benefit?
Lifetime Rating One	When you have been an AAMI Rating One policyholder for one year without making any at fault claims, we recognise your good driving record by awarding you AAMI Lifetime Rating One status.	Cars insured in your name under AAMI policies to which we have awarded AAMI Lifetime Rating One status.	AAMI Lifetime Rating One is protected for life, regardless of who was at fault in any claim you may make on this policy.
Same Rating - spouse or partner	By insuring your spouse or partner's car with AAMI.	Your spouse or partner living with you.	When your car is insured with us, we'll insure your spouse or partner's car at the same rating up to a maximum of Lifetime Rating One. Your spouse or partner has to be living with you. Our normal insurance acceptance conditions apply to the driver and the car.
Family Rating - your children	By having your children insure their cars for comprehensive cover with AAMI.	Your children, provided your car is comprehensively insured with AAMI.	When your children insure their cars for comprehensive cover with AAMI, we give them a rating for each year they've been driving claim free plus one additional claim free year. Our normal insurance acceptance conditions apply to the driver and the car. See also the AAMI Skilled Drivders course on page 14.
Earned Rating - new policyholder	By switching your car insurance to AAMI.	You or your spouse or partner living with you.	When you switch your car insurance to AAMI, we'll welcome you with the rating you would have earned had you always been comprehensively insured with AAMI.
Earned Rating - third party to comprehensive	By switching from third party property damage to AAMI comprehensive car insurance.	You.	When you switch from third party to AAMI comprehensive car insurance, we'll welcome you with the rating you would have earned had you always been comprehensively insured with AAMI.
AAMI Rating Protection	By paying an extra amount when you pay your premium.	You or your spouse or partner living with you. This benefit is not available to some policyholders. Please call us on 13 22 44.	Your rating is protected for one at fault claim during the period of cover.
Windscreen	By paying an extra amount when you pay your premium.	Your car's front windscreen and your rating. This benefit is not available to some policyholders. Please call us on 13 22 44.	When you make your first claim for a damaged front windscreen during the period of cover, your rating will not be affected and no excess will be payable. Repairs to your windscreen are also covered under this benefit.

AAMI Safe Driver Rewards™ program

The AAMI Safe Driver Rewards program provides rewards and benefits to safe drivers. As you advance through the program, you will progressively earn more rewards and discounts on your premium on this policy.

Safe Driver Status	How is this status earned?	What is the reward?
Silver	By being under 25 years old and completing the AAMI Skilled Drivers course.	You will receive a Skilled Drivers Discount, and continue to do so until you turn 25. The premium, Excesses & Claims Guide provides details about this discount (see page 29)
Gold	By being on Rating One.	A Rating One discount on your policy premium. Once you have been on Rating One for one year without making an at fault claim you will achieve Lifetime Rating One (see page 35).
Platinum	By holding your Gold status for two consecutive years without making an at fault claim.	You will now receive a Safe Driver Discount.
Ruby	By holding your Platinum status for two consecutive years without making an at fault claim.	Your Safe Driver Discount will now increase. You will also receive a gift card the first time you reach Ruby status.
Sapphire	By holding your Ruby status for two consecutive years without making an at fault claim.	Your Safe Driver Discount will now increase further, and you will receive the Discount Hire Car Benefit for no extra premium (see pages 15-17).
Diamond	By holding your Sapphire status for two consecutive years without making an at fault claim.	You will now receive a higher Safe Driver Discount, the Discount Hire Car Benefit for no extra premium and protection of your Diamond status and rewards for one at fault claim during a period of cover.

In the table above an ‘at fault claim’ means a claim for which your rating will be reduced, as explained on pages 33-34. If you don’t make an at fault claim in a period of cover, you will maintain your Safe Driver Status and continue to advance through the Safe Driver Rewards program.

If you are a Platinum, Ruby or Sapphire Safe Driver Status and you make an at fault claim, your Safe Driver Status will be reduced when you next renew your policy. You will need to re-earn it in future periods of cover. If you are a Diamond Safe Driver Status, your status and rewards are protected if you do not make more than one at fault claim in a period of cover.

Apart from the Skilled Drivers Discount (see page 40), the Safe Driver Rewards you earn during a period of cover will be awarded when you renew this policy and will be shown on your policy schedule. These rewards are retained for as long as you continue to drive without making at fault claims.

Note: If you have purchased a six month policy, your Safe Driver Rewards Status will be affected once per year. We reserve the right to change the Safe Driver Rewards program from time to time or withdraw it.