AAMI Comprehensive Car Insurance Policy

Value for money

The benefits we provide

Hassle free claims

Our claims service will take away the hassle and stress of having an accident. From quotes to repairs to keeping you informed of your car's progress. See pages 22-29 for details.

Genuine parts

We use genuine parts in the repair of your car. See pages 24-25 for details.

Lifetime Repair Guarantee

When we authorise repairs to your car, we take total responsibility for them. We guarantee them for the life of your car. Even if you sell it. See page 25.

We cover your replacement car

If you replace your car with another car, we will insure the replacement car from the time of its purchase, provided:

the replacement car is one that we would normally insure,

you tell us within 14 days of the purchase of the replacement car, and

you pay any additional premium we require. If an additional premium is payable, we will tell you how much it is and how it is to be paid.

The cover ends for the replaced car and begins for the replacement car at the time you take delivery of the replacement car.

If we agree to insure your replacement car and you pay us any additional premium we require, we will send you a new insurance schedule.

We help replace your car keys if they are lost

We reimburse up to $1,000 of the cost of replacing and re-coding your car keys if they are lost.

We help replace baby seats/capsules

We pay up to $500 to replace baby seats/capsules that are fitted to your car if they are stolen or damaged in an accident.

We help pay for damage to commercial signage on your car

We pay up to $500 for the repair of damage caused by an event covered under this policy to commercial signage on your car.

We help pay for damage to your trailer

We pay up to $750 for accidental damage to your trailer that occurs while it is attached to your car (excludes camper trailers and caravans).

We help pay for damage to your clothing

We pay up to $500 for replacement of personal clothing damaged in an event which causes damage to your car.

We help with the cost of keeping your car safe after an accident

We pay the reasonable cost of transporting your car to the nearest repairer or place of safety if it is damaged and cannot be safely driven. The amount we will pay under this benefit will depend on where the accident takes place and what transport options are available.

Emergency costs - mechanical breakdown, accident or theft

If your journey in your car is interrupted by an accident, mechanical breakdown or theft more than 100 km from home, call AAMI on 13 22 64. We can help with emergency costs. No excess is payable on these benefits.

We help you by reimbursing these emergency costs you incur:

up to $500 of the overall cost for you and members of your family travelling with you for essential accommodation and travelling expenses.

up to $500 per item, up to $1,000 in total for personal items such as luggage or clothing damaged or lost in the accident or theft. Personal items exclude cash, mobile phones, portable computers and any tools used for business.

up to $500 of the cost of towing your car to the nearest repairer after a mechanical breakdown.

We provide an accidental death benefit

We will pay your legal personal representative $5,000 if you die within 12 months as the result of an accident while driving your car. Your death must be the direct result of bodily injury caused in the accident (but not by suicide).

Switching to AAMI?

At AAMI, we believe that establishing a safe driving record and becoming a Rating One driver should always be something to be proud of, that also earns you meaningful rewards. So when you switch to AAMI, we review your car insurance and driving record and welcome you with the rating you would have earned had you always been comprehensively insured with AAMI.

Further rewards

We offer a range of premium and claim related benefits that you may qualify for from the moment you become an AAMI policyholder. Please note that some of these benefits require the payment of an extra amount on your premium.

AAMI Lifetime Rating One

We recognise your good driving record. Once you've held an AAMI Rating One for 12 months, we'll give it to you for life, at no extra cost. No matter how many accidents you have in the future. See page 35 for details.

AAMI Safe Driver Rewards™

We reward your safe driving with additional benefits. These benefits are earned progressively based on the number of consecutive years you remain in the AAMI Safe Driver Rewards Program and are retained for as long as you continue to drive without making an at fault claim. See pages 40-41.

AAMI Skilled Drivers Course

Your children and grandchildren under 25 are eligible for a free one-day AAMI Skilled Drivers course designed to improve their driving awareness and competence. On completion they receive discounts on AAMI comprehensive insurance until they're 25 (available in Adelaide, Brisbane, Canberra, Hobart, Melbourne and Sydney). Call 13 22 44 for details.

AAMI Home and Contents insurance discounts

You may qualify for a discount on your AAMI home and contents insurance. Call 13 22 44 for details.

AAMI hire car benefits

Our standard conditions for hire cars apply to all hire car benefits in this policy. See page 17.

A hire car if your car is stolen - we pay the daily hire rate

If your car is stolen, we can arrange a hire car for you for up to 21 days. We will pay the daily hire rate for the period the hire car is provided to you.

The hire car we arrange will be a four-cylinder, air-conditioned, automatic four-door sedan or hatchback.

If, within 14 days from when you told us your car had been stolen, your car is:

not recovered, you can keep the hire car for the full 21 days;

recovered undamaged, the hire car must be returned to us;

recovered damaged and we decide that the damage:

can be properly repaired, the hire car must be returned to us;

is such that we declare your car a write-off, you can keep the hire car for a further 7 days from our write-off declaration.

If your car is found undamaged within the 21 day period and the hire car cost is:

less than any excess you have paid, we will refund the balance,

more than any excess you have paid, we will pay the balance.

If your car is damaged...

...Discount Hire Car Benefit - an extra premium is payable (see Sapphire Safe Driver exception below)

This benefit provides you with a hire car at a discounted daily hire rate for up to ten days while accident damage to your car is being repaired under the terms of this AAMI policy. You are responsible for paying the discounted daily hire rate for the period the hire car is provided to you.

If we authorise the repair of your car and subsequently decide within the ten day benefit period that your car cannot be properly repaired, we will declare your car a write-off and the hire car must be returned to us.

The hire car we arrange will be a four-cylinder, air-conditioned, automatic four-door sedan or hatchback.

You can add this benefit to this policy by paying an extra premium when you commence or renew your policy.

When you have reached Sapphire Safe Driver status on this policy, we will add this benefit to this policy, for no additional premium. See page 40-41.

This benefit is not available to some policyholders. Call 13 22 44.

...Comprehensive Hire Car Benefit - an extra premium is payable

This benefit provides you with the convenience of a hire car for the entire period while accident damage to your car is being repaired under the terms of this policy - we pay the daily hire rate.

If we authorise the repair of your car and subsequently decide that your car cannot be properly repaired, we will declare your car a write-off and the hire car must be returned to us.

The hire car we arrange for you will depend on your car -

If your car has:	We will arrange a:
Up to a five-cylinder engine, a rotary, hybrid or an electric engine.	Four-cylinder, air-conditioned, automatic four-door sedan or hatchback.
A six-cylinder or larger engine.	Six-cylinder, air-conditioned, automatic sedan.

You can add this benefit to this policy by paying an extra premium when you commence or renew your policy.

This benefit is not available to some policyholders. Call 13 22 44.

Our standard conditions for hire cars

These conditions apply to all hire car benefits in this policy.

The hire car we arrange will only be made available to you after you have claimed on your policy and paid any excesses that apply.

The hire car will remain in your possession based on the terms of the benefit that applies to your claim. It will be covered by your AAMI policy during the authorised hire period. If the hire car is damaged or stolen during the hire period, you will need to lodge a new claim under your AAMI policy and you must pay us any excesses that apply.

The cost of fuel will be your responsibility. Other conditions apply and they are available by phoning us on 13 22 44. They include a daily kilometre allowance, limitations on authorised drivers, return to pick up location and the lodgement of a security bond.