Ratings are a measure of your safe driving status and are used to provide you with a discount on your comprehensive car insurance. Sometimes you may also hear other insurers refer to ratings as ‘no claim bonuses’ or ‘no claim discounts’. The discount increases each year providing no claim that reduces your rating is made on your policy. It keeps on increasing until it reaches ‘rating one’.
When you have been a 'rating one' comprehensive car or motorcycle insurance policyholder for one year without making any at fault claims, AAMI recognises your good driving record with our AAMI Lifetime Award. Your AAMI Lifetime status is protected for life, regardless of who was at fault in any claim you may make on your AAMI lifetime policy. You can also earn AAMI Lifetime Rating One for your car when we’ve agreed to insure it for business use.
When you obtain an internet quote, we will automatically calculate your rating.
AAMI does not offer car insurance for the following vehicle types:
- Beach buggies
- Classic cars Vintage cars
- Commuter buses with a capacity greater than 12 passengers
- Corsa Special Vehicles
- Damaged vehicles
- Ex-ambulance vehicles
- Horse floats
- Private imports
- Purpose built vans e.g. Fire rescue vans
- Rally cars
- Refrigerated vehicles
- Taxi Trucks
- Tipper trucks
- Vehicles with a carrying capacity over 2 tonnes
AAMI is unable to offer insurance if the vehicle is used for the following purposes:
- As a courtesy car
- To transport dangerous goods, inflammable liquids, explosives, chemicals
- As a demonstration vehicle
- As a hire car/limousine
- As a taxi
- For racing
- In time trials
- In competition or rallies
AAMI is also unable to offer insurance if the car has existing accident, hail or rust damage.
Learner drivers are covered on your car insurance policy as long as a fully licensed regular driver is in the car as the instructing passenger in the front seat. No additional premium is required. Age/Inexperienced excess may still apply if the learner driver has an accident.
International drivers are also covered under AAMI car insurance policies as long as they have a valid licence, can legally drive in Australia and otherwise abide by the terms of the insurance policy.
Driving whilst pregnant or after an operation does not affect your policy, unless the driver has received medical advice that they should not drive or that their ability to drive would be impaired. If you are concerned that your ability to drive safely may be affected in any way by your condition, we recommend you first consult your doctor.
One of the great benefits of insuring comprehensively with AAMI is that we look after everything for you if your car or motorcycle is damaged. If your vehicle can be safely driven, AAMI Valet Service is the way to go. For further details see valet service or ‘What to do and what happens when...' section of the comprehensive car and comprehensive motorcycle insurance policies.
When you insure your car comprehensively, its agreed value is set at the beginning of each period of cover. It is based on the fair value given then for your car’s make and model in the motor trade’s most commonly accepted price handbook (the Glass’s Guide). The value doesn’t change for the period of cover.
Almost all cars depreciate with age and use, so the agreed value we offer each time your policy becomes due for renewal, almost always will be lower than the year before. You are unable to increase the agreed value given to your car online as it needs to be discussed with an AAMI representative as certain criteria must be met.
AAMI have established benefits for the children of existing AAMI customers. When your children insure their cars for comprehensive cover with AAMI, we give them a rating for each year they’ve been licensed and driving claim free. Our normal insurance acceptance conditions apply to the driver and the car.
Also, drivers under 25 with comprehensive insurance, or children or grandchildren of existing AAMI comprehensive customers, who are licensed and under 25 are eligible for a free one-day Skilled Drivers course designed to improve their driving experience. On completion, they receive a discount on their AAMI comprehensive car insurance until they’re 25.
Call 13 22 44 for details or visit the Skilled Drivers section on the AAMI website.
The AAMI Skilled Drivers course is a free young driver awareness course for drivers under the age of 25 who hold a comprehensive car or motorcycle insurance policy with AAMI or whose parents or grandparents are comprehensively insured with AAMI.
For those who are not insured with AAMI or hold a third party property damage policy with AAMI, the course is available for a fee. Once the course is completed the participant will be entitled to a 10% discount off their AAMI comprehensive car insurance premium, each year until they turn 25.
To change the registration number on your car or amend any regular driver’s details, where you are the policyholder, you can e-mail us at firstname.lastname@example.org. You should provide your policy number and/or registration number, your mailing address as it appears on your policy and your date of birth along with your request (for security reasons).
To amend a regular driver’s details please also list the following details:
How often will the driver now use the car?
What will they now use the car for?
Name, sex and date of birth of driver?
Please advise the number of years the driver has held their licence (excluding learners)
Has the driver had any accidents or claims in the last 3 years? If so, please advise the year, nature of the accident or claim (i.e. hit in rear, failed right of way) and whether the driver was at fault or not.
Has the driver had any loss, suspension or cancellation of their licence? If so, please advise the year and reason for loss/suspension/cancellation.
Alternatively, you can call AAMI on 13 22 44, at anytime, 7 days a week to update your registration number or a regular driver’s details.
Any modification or non-standard accessory to a car that changes the car from a standard manufacturer’s model may be subject to our insurance acceptance criteria, including the age of the driver.
To add or remove modifications or accessories listed on your car insurance policy, you can e-mail at email@example.com and request a change to the modifications or accessories listed on your policy.
Your e-mail will need to include any new modifications or accessories you have fitted to the car, together with the dollar value next to each (providing this modification/accessory is allowed to be fitted to your vehicle by your local road transport authority).
Modifications and accessories can also be removed from your policy. To do so, you can email your first name and surname, policy number, mailing address as it currently appears on your insurance policy, and your date of birth (for security reasons).
Alternatively, you can call AAMI on 13 22 44 at anytime, 7 days a week to update the modifications or accessories on your policy.
Our comprehensive car and motorcycle insurance policies provide you with a hire car for up to 21 days if your vehicle is stolen. You also have the option of pre-purchasing a 'Discount Hire Car Benefit' or 'Comprehensive Hire Car Benefit' which provide you with a hire car whilst your vehicle is off the road due to an accident. Either of these benefits can be purchased when you first commence your policy or when you renew it.
Our third party property damage car and motorcycle insurance policies can also be extended to provide a hire car if your vehicle is stolen.
If we’ve provided the hire car to you following a claim on your AAMI policy, the car, and your legal liability as its driver, will be covered by the terms of your policy. We won’t provide any cover if you hire a car yourself. Read the Product Disclosure Statement for the policy you hold with us to find out what hire car cover or options are available.
If you damage your car but it can be safely driven, you should phone AAMI before you organise any repairs (as soon as possible) on 13 22 44. Our claims service does it all for you through our assessment centre network.
All you do is drive your car to your nearest AAMI assessment centre and leave it with us. We pay for your taxi home or back to work. In areas not covered by an AAMI assessment 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 assessment centre nearest to you. Your car and personal possessions are protected under cover there. In areas not covered by an AAMI Assessment centre, we arrange the repair of your car in consultation with you.
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.
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’ll 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. We also offer a Lifetime Guarantee on all repairs that we have authorised.
At AAMI we will ask you who you’d like to nominate as the policyholder. Ordinarily this will be the person who owns the car and in whose name it is registered. Depending on the policy you are buying, we will ask you certain questions about who will be regularly driving the car. The policyholder will receive all documents we send about the policy and it is the policyholder’s responsibility to pay the insurance premium on time.
AAMI offers a front windscreen benefit for an additional premium and can be added to, or removed from, a policy at any time as long as your car does not have any pre-existing damage. If you have purchased our windscreen benefit and your windscreen was damaged once during your period of cover, your rating will not be affected.
Please note, the windscreen benefit is not available for some policyholders. Call us on 13 22 44 to check if you're eligible.
Your AAMI Comprehensive Car Insurance provides cover for you, and any other permitted driver, when your car is driven in Australia. It doesn't cover your car when it's outside Australia or any driver's legal liability if they drive your car outside of Australia or if they drive any other vehicle, whilst overseas.
AAMI recognises international licences that are accepted by the road traffic authority in your state or territory. If you have both an international and Australian licence, you will need to tell us the year you gained your first licence. We do not differentiate where you obtained your driver’s licence when calculating your Rating on a comprehensive policy.
However, please note that if you have held your licence for less than two years, an inexperienced driver excess will apply, in addition to any other excess that may apply to the claim.
Sometimes cars are so badly damaged that they would not be either safe or economical to repair. If we believe this is the case, we will declare your car a write-off and pay you the agreed value or amount covered (depending on the policy type).
If your car is comprehensively insured with AAMI and we declare it a write off because of damage or theft within the first 24 months of its original registration, we will replace it with a new car and pay the on-road costs. If we cannot replace your car by finding a replacement in your local area, we will pay you your car’s agreed value.
AAMI’s policy will cover your car while it is being driven off-road. However, please note that AAMI anticipates that the driver takes reasonable precautions to ensure the safety of the car.
There are a number of restrictions under AAMI’s Comprehensive Car Insurance Policy. You are not covered for the following:
If your car was in an un-roadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you.
If your car was being used or tested in or for a race, trial, test or contest or on a competition circuit, course or arena (unless your was being driven by you on a safe driving training course commercially conducted by trained instructors).
Loss or damage caused intentionally by you or by a person acting with your express or implied consent.
Any additional loss or damage to your car as a result of it being driven after an accident.