AAMI Third Party Property Damage Car Insurance Policy

The protection and benefits we provide for you

The protection and benefits we provide for you

Standard cover protection

Having your car involved in an accident or stolen is an unpleasant and worrying experience.

But when you insure your car with AAMI, we look after you.

Legal liability for property damage
We will pay for your liability for damage to property covered by your AAMI policy occurring during the period of insurance. See page 29 for details.

Uninsured motorist extension
The amount covered for the uninsured motorist extension is the current market value of your car up to $3000.

We will pay up to the amount covered for accidental loss or damage to your car caused by an uninsured third party motorist, provided

we accept you would be legally entitled to recover more than 50% of the cost of repairs to your car from the owner or driver of the other vehicle, and

you have satisfied us that the owner or driver of the other vehicle is not insured against that cost, and

you can give us the registration number of the other vehicle and the name and address of its driver.

Provided the amount covered is not exceeded, we will pay the reasonable cost of towing your car to the nearest repairer or place of safety if it cannot be safely driven.

We will decide either to repair your car, pay the cost of repairing your car, or declare your car a write-off and pay the amount covered. See page 30 for details.

Extended cover protection

Standard cover plus fire and theft extension
The amount covered for the fire and theft extension is the current market value of your car up to $5000.

When you pay us the additional premium we charge, we will pay up to the amount covered for accidental loss or damage to your car caused by fire or theft or attempted theft.

Provided the amount covered is not exceeded, we will pay the reasonable cost of towing your car to the nearest repairer or place of safety if it cannot be safely driven.

When your car has been damaged, we will decide either to repair your car, pay the cost of repairing your car, or declare your car a write-off and pay the amount covered. See page 30 for details.

When your car has not been found after being stolen, we will declare your car a write-off and pay the amount covered. See page 34 for details.

This policy does not cover some events, circumstances and situations

As you read through this policy, you will see there are some events, circumstances and situations it does not cover. To make sure you are aware of all these exclusions, please read the whole policy carefully including the section 'Are you covered?' beginning on page 24.

Standard cover benefits

What happens when you replace your 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,

you pay any additional premium we require.

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

Lifetime Repair Guarante
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 31 for details.

OEM Parts
OEM (original equipment manufacture) parts will be used in the repair of your car. See page 32 for details.

We help with the cost of towing your car
Provided the amount covered is not exceeded, we pay the reasonable cost of towing your car to the nearest repairer, or place of safety, if it cannot be safely driven because of damage caused by an uninsured motorist.

AAMI comprehensive insurance discounts
When you change from third party to AAMI comprehensive car insurance, we give you the same rating/discount you would have earned had you always been comprehensively insured.

Extended cover benefits

Theft rental car (if your car is stolen)
We can provide you with a rental car if your car is stolen provided:

you have claimed on this policy,

you have paid any excesses that apply.

The rental car will be available to you for up to 14 days or until your car is found, whichever comes first.

If your car is found undamaged within this period and the rental car fee 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 found damaged, you can keep the rental car for the full 14 days or until your car is repaired, whichever comes first. If the damage is such that we declare your car a write-off, you can keep the rental car for the full 14 days or until we pay the amount covered, whichever comes first.

We will pay the daily rental fee for the period the rental car is provided to you and the car will be covered by your AAMI policy during this period. If it is involved in an accident during this period and you wish to lodge a claim on your policy, you must pay any excesses that apply.

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