AAMI Third Party Property Damage Car Insurance Policy
What we do
What we do
What we do if someone else's property is damaged by the use of your car
We cover your legal liability for any loss or damage to other people's property and loss or damage consequent upon damage to other people's property resulting from the use of your car during the period of cover. The use of a caravan or trailer attached to your car is also covered.
We will pay up to a total of $20,000,000 for all claims arising from the one event.
Any person using your car with your permission and who complies with the terms and conditions of this policy is covered.
Your employer or principal is covered if you are driving your car in the course of your employment or agency and the use of your car is private use or you are covered under this policy for business use.
We do not pay for loss or damage to property owned by you or any person ordinarily living with you.
Legal costs and representation
For details regarding legal costs and representation, please see pages 34-35.
What we do when your car is damaged in an accident caused by an uninsured motorist. Or by fire or theft and your policy covers fire and theft.
When your car is damaged, for your peace of mind, we choose the repairer and arrange the repair for you
Usually, damage to cars is repairable.
If your car has been damaged and can be repaired, our responsibility to you when we authorise repairs is to ensure that the repair work is properly carried out.
For your peace of mind, we choose the repairer and arrange the repair.
We ordinarily obtain two independent, competitive quotes, from repairers recommended by AAMI. If you want, you can choose a repairer to provide one of the quotes. Our assessor will review the quotes, including any quote from a repairer you choose, and what is necessary to properly repair your car. We will select the repairer who has submitted the more competitive and complete quote and that will be the repairer who repairs your car.
We have your car repaired, keeping you informed all the way along.
When the repair is complete, we advise you your car is ready for collection.
If your car can be safely driven
All you do is drive your car to your nearest AAMI Customer Service Centre and leave it with us. We pay for your taxi home or back to work.
In areas not covered by an AAMI Customer Service Centre, we arrange the repair of your car in consultation with you.
If your car cannot be safely driven
We transport your car to the AAMI Customer Service Centre nearest to you, providing our payment of the reasonable cost of doing so does not exceed the amount covered. Your car and personal possessions are protected under cover there.
In areas not covered by an AAMI Customer Service Centre, we arrange the repair of your car in consultation with you.
Inspecting and repairing your car
You must make your car available to us if we decide to inspect or repair it. If requested by us, you must take your car or allow it to be towed to a place nominated by us.
You must not authorise the repair of your car without our written authority.
Your contribution to repair work
If the repair of your car leaves it in a better condition than before it was damaged, we may ask you to contribute to the repair cost.
The AAMI Lifetime Repair Guarantee
The quality of the workmanship and the materials authorised by AAMI in the repair of your car will be guaranteed for the life of the car. If you are concerned about the quality of the repair of your car, you must call us on 13 22 44 and you must make your car available to us. We will inspect the repair and arrange any necessary rectification work. You must not authorise rectification work without our written authority.
Where replacement parts are required for the repair of your car ...
and your car is within its manufacturer's standard new car warranty period
New OEM (original equipment manufacture) parts will be used except for the replacement of windscreens and window glass for which Australian manufactured, Australian Design Rule compliant parts may be used.
and your car is outside its manufacturer's standard new car warranty period
New and/or reconditioned OEM (original equipment manufacture) parts will be used except for the replacement of windscreens and window glass for which Australian manufactured, Australian Design Rule compliant parts may be used.
Parts produced by OEM suppliers may be used in the repair of components such as radiators and air condensers.
What we do if your car cannot be repaired
Sometimes cars are so badly damaged that they would not be either safe or economical to repair.
If in our opinion, the damage to your car is so great that it would not be safe or economical to repair, we will declare your car a write-off and pay the amount covered.
What happens when we make a write-off payment
When we make a write-off payment, we pay the amount covered and your policy comes to an end. Because our payment meets all our obligations to you in full:
there is no refund of any portion of the premium. We retain your car unless you wish to keep it. 'Your car' includes all insured options and accessories and unless legislation in your state provides otherwise, the value of any unexpired portion of the registration.
if you wish to retain your car in its damaged condition, its salvage value will be deducted from our payment,
you will first need to pay us the total unpaid balance of your premium, including any unpaid additional premium owing. If we make a write-off payment, we will deduct this amount from the payment we make.
When we agree to make a write-off payment, we will post a cheque for the agreed amount or deposit it directly into your nominated bank account.
What happens when you want to keep your car insured after we have paid you the cost of repairing it
If we have paid you the cost of repairing your car (other than by making a write-off payment) and you want the cover this policy provides to remain unchanged, you must have your car properly repaired and present it to us in a safe and roadworthy condition for our inspection. If we agree that your car has been properly repaired and is in a safe and roadworthy condition, the cover this policy provides will remain unchanged until the end of the period of cover. If you fail to obtain our agreement, we may deny or reduce any claim you make after we have paid you the cost of repairing your car.
What if your car has been stolen
You must report the theft immediately to the police and to AAMI.
Most times your car will be found undamaged.
If it has been damaged, the procedure will be exactly the same as if your car had been damaged in an accident.
...and if your car is not found
We allow 14 days for your car to be found from when you reported its theft to us. If it is not found, and we are satisfied your claim is in order, we declare your car a write-off and pay the amount covered.
Admission of liability
You must not make any admissions or settle any claims without our prior written consent.
Giving assistance - information, notices, negotiating, defending and settling claims
In this section "you" means you and, if you were not driving, the driver of your car.
You must give us the information and assistance we reasonably request in evaluating the cause, extent and value of any claim. This may include:
providing us with full details of the claim in writing,
providing contracts of sale, receipts or other evidence of ownership,
providing written statements,
providing other relevant documents,
undergoing an interview or interviews about the circumstances of the claim,
appearing in court and giving evidence.
The information you give must be honest, correct and complete.
You must assist us to recover any part of the claim from the person responsible for the accident or event which results in a claim.
You must promptly deliver to us any relevant letters and notices that come into your possession. This includes promptly telling us if you become aware of any demands, court proceedings or offers of settlement.
We shall be entitled, but not obliged to defend or represent you in any legal proceedings relating to an accident or event which may give rise to a claim against us and to control, settle and deal with those proceedings as we see fit.
We will pay the legal and other reasonable related costs of defending any claim made against you, provided we appoint the solicitors who will defend the claim and we have told you in writing that we will pay their costs.
You must assist us in all our endeavours to negotiate, defend or settle any claim made under this policy and to exercise for our benefit your legal right of recovery against any other party.
If you fail to assist us, or do not abide by any of these terms, we may reduce or refuse to pay your claim or be entitled to recover from you any monies paid under the claim.