New Insurance Quote

1) About this website

This website is owned and operated by Australian Associated Motor Insurers Limited ABN 92 004 791 744 ("AAMI") and includes all web pages under or forming part of the domain name “aami.com.au” and any other AAMI-branded web pages which include an authorised link to these Terms of Use (the “AAMI Website”).

Your use of the services, information, text, graphics, materials and other content on any part of the AAMI Website ("Material on this Website") is governed by these Terms of Use and the associated Website Security and Privacy Statement. By using this website you agree to be bound by these Terms of Use.

In addition to the Terms of Use contained in this document, other terms of use or conditions may apply to your use of this AAMI Website, parts of this Website, or to products and services offered via this Website. You will be bound by these additional terms, as applicable.

2) Privacy

Your privacy and security is very important to AAMI. Certain data items are collected and used by the AAMI Website in order to provide insurance quotations and other online services. The AAMI Website will record and track the use you make of this website. The use of this data is subject to our Website Security and Privacy Statement. Please read our Website Security and Privacy Statement in full.

3) AAMI Website content

The AAMI Website:

(a) contains information of a general nature about AAMI and AAMI's products and services

(b) enables you to purchase and pay for some insurance products and services online;

(c) enables you to renew some insurance products and services online; and

(d) enables you to view, manage and change your AAMI insurance policies online using AAMI’s My Policy Manager Website (the “MPM Website”) subject to these Terms of Use including specific terms of use for that service set out in clause 7.

4) AAMI's standard terms and conditions apply

All applications for insurance or other products made via this AAMI Website are subject to and must comply with AAMI's normal approval criteria, and are governed by the normal terms and conditions applying to each product or service requested. Click here to access AAMI policy documents. Click here to access AAMI newsletters and other documents.

5) AAMI product information and insurance purchase and renewal

5.1 Transactions on the AAMI Website

(a) When entering into a transaction via the AAMI Website, whether it be the issuance of an insurance contract, a renewal payment, or a transaction relating to any other product or service, the transaction will not be completed until an "Electronic Instruction" (being any electronic instruction, information, message, request or communication issued or transmitted to AAMI via the AAMI Website) containing the acceptance from you to AAMI's offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by AAMI, and any specific steps or requirements as set out in this clause 5, have been complied with.

(b) You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction may not be received by AAMI in accordance with this clause 5 for reasons beyond either parties' reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.

(c) You further acknowledge that, to the extent permitted by law, AAMI is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the AAMI Website, or any failure to receive an Electronic Instruction for whatever reason.

5.2 Purchasing insurance policies

(a) Where the AAMI Website enables you to purchase insurance products or services online:

(1) The parties may enter into an insurance policy using the AAMI Website by AAMI making an electronic offer via the AAMI Website and you electronically communicating your acceptance of that offer via the AAMI Website to AAMI;

(2) AAMI may act on and process all completed Electronic Instructions transmitted or issued through the AAMI Website without further consent from or reference to you; and

(3) AAMI may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.

(b) Creating a binding insurance contract with AAMI via the AAMI Website is a two step process:

(1) The first step is to create a quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, the AAMI Website will provide you with a quote, identified by a quote number. This quote and quote number will remain valid and accessible on the AAMI Website for up to 30 days; and

(2) If you wish to take out insurance in accordance with a quote provided to you by AAMI via the AAMI Website, then, upon completion by you of all required details, step two enables you to accept that quote and create a binding insurance agreement with a corresponding AAMI policy number.

(c) When entering into a contract via the AAMI Website, you will be taken to have communicated your acceptance to an offer of insurance from AAMI only when:

(1) the Electronic Instruction containing the acceptance from you enters and is recorded in the main AAMI database;

(2) a record is created and stored in the AAMI database;

(3) an AAMI policy number is generated by the AAMI database; and

(4) AAMI receives all required details of a current and valid credit card which you are authorised to use, which is of a credit card type accepted by AAMI, and to which AAMI is able to charge the premium.

(d) Some AAMI insurance policies available through the AAMI Website may offer a deferred payment option. Where this option is available and selected by you, clause 6(c) of these Terms of Use will apply.

(e) If you elect to pay your premium by instalments then you may be able to select the particular day of each month (or other instalment period) on which your credit card will be automatically charged for the relevant payment.

(f) A binding insurance contract is conditional on AAMI being able to successfully charge against your nominated credit card and AAMI receiving payment of your applicable premium (either by a single payment or where permitted in instalments).

(g) Where a transaction is entered into between AAMI and you via the AAMI Website, a policy number will be issued by AAMI via the AAMI Website. However, a binding insurance contract is not conditional on the receipt by you of a policy number. Therefore, the failure by you to receive a policy number via the AAMI Website does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the AAMI Website.

(h) AAMI may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on AAMI issuing, or you receiving, a paper confirmation of the transaction.

(i) You must contact AAMI immediately if you do not receive a policy number via the AAMI Website following your transaction.

5.3 Renewal payments

(a) The renewal payment for certain AAMI insurance policies can be made online with selected credit cards at the AAMI Website.

(b) The policy renewal notice will indicate whether online renewal payment is available.

(c) To make an online renewal payment, follow the "AAMI Pay" link from the AAMI Website.

(d) When making a payment for a policy renewal via the AAMI Website, you will be taken to have renewed that policy only when:

(1) the Electronic Instruction containing the policy number, premium amount due and credit card details, and an instruction from you to renew the policy, enters and is recorded in the relevant payment database;

(2) AAMI receives all required details of a current and valid credit card which you are authorised to use, which is of a credit card type accepted by AAMI, and to which AAMI is able to charge the renewal payment;

(3) a record is created and stored in the payment database;

(4) an AAMI receipt number is generated by the payment system; and

(5) the main AAMI database is updated with information from the payment database.

(e) A binding insurance contract is conditional on AAMI being able to successfully charge against your nominated credit card and AAMI receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments).

(f) AAMI, at its discretion, may or may not issue a paper confirmation of the renewal payment. The existence of a valid payment is not conditional on AAMI issuing, or you receiving, a paper confirmation of the transaction.

6) Payments

(a) All payments for any insurance products, renewals, or other services purchased via the AAMI Website must be paid in full by clear funds by the due date specified in the relevant confirmation.

(b) Except as set out in paragraph (c) and unless otherwise provided for, all payments referred to in paragraph (a) are to be made by selected credit cards at the time of purchase or renewal of the applicable AAMI policy or service. You must therefore provide to AAMI details of your current and valid credit card, including:

(1) Credit card type;

(2) Name on credit card;

(3) Credit card number; and

(4) Expiry date.

(c) Some AAMI insurance policies available through the AAMI Website may offer a deferred payment option. Where this option is available and selected by you, AAMI will, in accordance with these terms of use, and the relevant Product Disclosure Statement and terms and conditions of the applicable AAMI product or service, issue you with a 7 day temporary insurance cover contract. AAMI will also within this initial 7 day period email you a confirmation of the arranged cover which includes an account for the full insurance policy which has been selected by you and a schedule of insurance which will apply upon payment of the account. Full payment must be made in relation to such insurance policy in accordance with the account payment notice sent to you, and Product Disclosure Statement and terms and conditions of the applicable AAMI product or service, which will always apply. Once AAMI receives full payment (in accordance with these terms of use) for the applicable insurance policy then AAMI will post you a receipt and Product Disclosure Statement for that policy. Failure to pay in accordance with these requirements will automatically result in the interim 7 day temporary cover ending at the specified time, and the full insurance policy not commencing. AAMI may, but is not obliged to, provide you with further notice in such circumstances.

7) AAMI My Policy Manager

The MPM Website enables you to view, manage and change your AAMI insurance policies online. In addition to the overall Terms of Use, the specific terms in this clause 7 apply to the MPM Website.

7.1 Accessing the MPM Website

(a) Some parts of the MPM Website are only accessible to you if you have “logged in” by providing certain details as requested by AAMI on the log-in, registration and/or authentication pages of the MPM Website, relating to you and/or one of your insurance policies currently held with AAMI. (Collectively, this information is your “Login”). You will only be able to “log in”, generate a Login, and use the MPM Website if you hold at least one current AAMI insurance policy.

(b) You must not provide details of your Login to any other person. You must not allow any other person to use your Login.

(c) You must not use the MPM Website to access or modify the details of another person without their authority. Criminal penalties may apply if you do so.

7.2 Loading your policy details into the MPM Website

You may, in relation to any of your current AAMI insurance policies, include details of those policies in the “My Policies” section of the MPM Website under your Login (each such policy then being a “Loaded Policy”).

7.3 Policy delegation consents

(a) AAMI reminds all users of the MPM Website that all AAMI insurance policy delegation consents must be genuine, freely given consents.

(b) In this clause 7.3:

(1) “Nominating Person” means the AAMI insurance policy holder who has been asked to permit another AAMI insurance policy holder to access, view and amend details of, and pay, certain of that first person’s AAMI insurance policies.

(2) “Requesting Person” means the AAMI insurance policy holder who has requested permission to access, view and amend details of, and pay, certain of another AAMI insurance policy holder’s AAMI insurance policies.

(3) “Selected Policies” means the AAMI insurance policy/policies currently held by the Nominating Person which the Requesting Person has sought permission to access, view and amend details of, and pay, and includes any renewals of such insurance policies.

(c) The Nominating Person acknowledges that if this application is approved by AAMI the Nominating Person grants the Requesting Person full power to do, but only via the MPM Website, all acts and things in relation to the Selected Policies which are available in the MPM Website. This includes directing AAMI in relation to all aspects of the Selected Policies and their management, including changing the address recorded for purposes of the Selected Policies, but does not include cancelling or revoking the Selected Policies.

(d) For Selected Policies for which the Nominating Person is a joint insured, each policy holder must agree to these Terms of Use and grant the Requesting Person the rights set out in paragraph (c) above before the Requesting Person can access or control those Selected Policies.

(e) The Nominating Person agrees to be bound absolutely by all acts performed by the Requesting Person or under the Requesting Person’s Login in relation to the Selected Policies. The Nominating Person will be solely responsible for all actions and any loss caused by use of the Requesting Person’s Login, whether made by the Requesting Person or any other person.

(f) This delegation does not prevent the Nominating Person from himself/herself directing AAMI in relation to all aspects of the Selected Policies and their management. Notwithstanding any inconsistency between the Nominating Person’s instructions in relation to a Selected Policy and those of a Requesting Person, AAMI may act on any instructions given by a Requesting Person and the Nominating Person will not have any claim against AAMI for any loss, damage, cost, liability or expense which might be incurred as a result.

(g) The Nominating Person hereby declares that any information contained in this application or entered into the MPM Website, including all policy information, is true and correct.

(h) The Nominating Person understands and agrees that the Requesting Person will have access to the Nominating Person’s personal information held by AAMI in relation to the Selected Policies, other than any criminal record details held about the Nominating Person by AAMI.

(i) The Nominating Person may revoke this delegation authority at any time by completing the appropriate process on the MPM Website or by telephoning the AAMI “e-business team” on 1300 226 4932 (1300 AAMI WEB) - Mon-Fri 8am - 6pm, Sat-Sun 10am - 5pm. However, such revocation will not be effective until notice of that revocation is received, processed and acknowledged by AAMI.

(j) The Requesting Person must only access, deal with or give instructions to AAMI in relation to a Selected Policy for the benefit of the Nominating Person.

(k) Each delegation authority is personal to the Requesting Person and may not be transferred to any other person.

8) Valuation tools, calculators, games and other features

(a) The AAMI Website may contain or make available various tools, calculation devices, software programs, games or other features:

(1) which assist you in calculating the optimal insurance policy, premium, or level of excess for you; or

(2) relating to AAMI’s products and services or the insurance industry.

The AAMI Website may also contain helpful hints or other information.

(b) Whilst AAMI has undertaken reasonable steps to ensure that any such features or information as described in (a) above are accurate and free from defect, to the extent permitted by law, which law cannot be excluded, AAMI does not warrant the accuracy, adequacy, correctness or completeness of these features. These features are provided on an "as is" basis. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances. The use by you of any of these features or any information provided is entirely at your own risk.

9) Links to other websites

(a) The AAMI Website may contain links to websites which are owned or operated by third parties independent of AAMI ("Third Party Websites"). AAMI does not sponsor, endorse or approve of the operators of Third Party Websites, or material (including services, information, graphics or data) which is located on such Third Party Websites ("Third Party Material").

(b) The AAMI Website may contain or link to information about special offers, deals or promotions by persons not related to or part of AAMI ("Third Party Offers"). AAMI does not sponsor, endorse, or approve of any Third Party Offers, or Third Party Material associated with these offers.

(c) Subject to any applicable law which cannot be excluded, AAMI makes no warranties or representations:

(1) regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Websites; or

(2) that Third Party Material does not infringe the intellectual property rights of any person.

(d) AAMI is not authorising the reproduction of Third Party Material by linking Material on this Website to Third Party Material.

(e) When following a link on any part of the AAMI Website, material at a Third Party Website may be displayed in your browser framed by Materials on this Website. This material is also Third Party Material for the purpose of these Terms of Use.

10) Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, AAMI does not warrant the accuracy, adequacy or completeness of Material on this Website. All information is subject to change without notice. AAMI does not guarantee that the AAMI Website or Third Party Websites will be free from viruses, or that access to the AAMI Website or Third Party Websites will function as intended or be uninterrupted. All terms implied by law, except those that can not be lawfully excluded, are excluded.

11) Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, AAMI, and its directors, employees, agents and contractors, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to Material on this Website, to Third Party Material, third party services, or to access of any part of the AAMI Website by you, howsoever caused, whether in contract, tort (including negligence), statute or otherwise.

12) Indemnity

You indemnify AAMI in respect of any liability suffered or incurred by AAMI for any loss, cost, damage, or expense as a result of your breach of these AAMI Website Terms of Use (including without limitation as a result of a falsified policy delegation consent under clause 7.3), or from your use of the MPM Website.

13) No investment advice

The AAMI Website does not purport to provide you with personal financial or investment advice of any kind. The information available via the AAMI Website does not take account of your particular financial or insurance position or requirements. AAMI recommends that you seek independent advice before acting upon Material on this Website or Third Party Material.

14) Availability of the AAMI Website

(a) As electronic services are subject to interruption or breakdown, access to the AAMI Website is offered on an "as is" and "as available" basis only.

(b) AAMI may impose limits or restrictions on the use you may make of the AAMI Website. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Terms of Use, AAMI may withdraw the AAMI Website at any time and without notice to you.

15) Restrictions on use of the AAMI Website

You agree that you will not, (either yourself or through any third party):

(a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on the AAMI Website, or any of the information, content or data contained within or accessible through the AAMI Website, without AAMI's prior written permission;

(b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through the AAMI Website with information, content or data accessible via or sourced from any third party;

(c) use any information on or accessed through the AAMI Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;

(d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of the AAMI Website or any transaction or process being conducted on or through it;

(e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the AAMI Website;

(f) reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the AAMI Website; or

(g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the AAMI Website without AAMI's prior written permission.

16) No use of AAMI Website for unrelated persons

You must only use the AAMI Website to:

(a) obtain insurance quotes;

(b) obtain other information relating to the price of insurance cover from AAMI; or

(c) conduct insurance related transactions or queries,
in respect of insurance cover for you or a member of your immediate family (with their prior consent).

You agree not to otherwise use the AAMI Website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from AAMI or conduct insurance-related transactions or queries.

You also agree to indemnify AAMI in respect of any liability incurred by AAMI for any loss, cost damage or expense, howsoever caused, suffered by AAMI as a result of your breach of this clause 16.

17) Third party providers to AAMI

Parts of this AAMI Website, or the provision of payment processing or other services offered via this AAMI Website, may be outsourced to third party providers. These Terms of Use apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

18) Copyright and Trademarks

(a) Copyright in the Material on this Website is owned or licensed by AAMI.

(b) Except where necessary for and incidental to personally viewing the Material on this Website via your web browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no Material on this Website may be reproduced, stored (for any period of time) in an electronic or other retrieval system, modified, adapted, uploaded to a third party location, framed, performed in public, or transmitted, in any form by any process whatsoever, without the specific written consent of AAMI.

(c) "AAMI" is a trade mark of Australian Associated Motor Insurers Limited. Third party trade marks are trade marks of the respective third parties.

19) Termination

19.1 Termination of these Terms of Use

These Terms of Use and your access to the AAMI Website (excluding the MPM Website which is subject to the termination regime specified in clause 19.2) may be terminated at any time by either party without notice to the other.

19.2 Termination of access to the MPM Website

(a) AAMI reserves the right to terminate your access to the MPM Website at any time upon notice to you.

(b) You may terminate your access to the MPM Website at any time upon notice to AAMI, which notice must be given to AAMI either by completing the appropriate process on the MPM Website or by telephoning the AAMI eBusiness team on 1300 226 4932 (1300 AAMI WEB) - Mon-Fri 8am - 6pm, Sat-Sun 10am - 5pm. However, such termination will not be effective until notice of that termination is received, processed and acknowledged by AAMI.

(c) Upon termination for any reason of your access to the MPM Website, any delegation authorities issued in accordance with these Terms of Use will automatically terminate.

19.3 Prohibition on access post termination

(a) Upon termination of these Terms of Use and your right to access the AAMI Website, you must not directly or indirectly access or use any part of the AAMI Website or any Material on this Website.

(b) Upon termination of your right to access the MPM Website, you must not directly or indirectly access or use any part of the MPM Website or any MPM Materials.

19.4 Survival

All restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of AAMI, will survive any termination of these Terms of Use and/or your access to the AAMI Website and/or the MPM Website.

20) Acceptance and changes to Terms of Use

(a) You acknowledge and accept that your use of the AAMI Website indicates your acceptance of these Terms of Use and the Website Security and Privacy Statement.

(b) These are the current Terms of Use. They replace any other terms of use for the AAMI Website published on the AAMI Website to date. AAMI may at any time vary these Terms of Use for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of the AAMI Website, by publishing the varied Terms of Use on the AAMI Website. AAMI will indicate on the AAMI Website that these terms of use have changed, however, AAMI is under no obligation to specifically contact or notify you of any variation to these Terms of Use. You accept that by doing this, AAMI has provided you with sufficient notice of the variation. By your use of the AAMI Website after any variation, you are taken to have accepted the new Terms of Use.

21) General

(a) The law applicable to the AAMI Website and to disputes arising out of the AAMI Website is the law of the State of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Victoria, Australia, and appeal therefrom.

(b) Should any clause or part thereof of these Terms of Use be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

(c) You may not rely on the words or conduct of AAMI as a waiver of any right unless the waiver is in writing. In this clause, "conduct" includes delay in the exercise of any right. "Right" means any right of AAMI arising under or in connection with these Terms of Use or otherwise, and includes the right to rely on this clause. "Waiver" includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

22) Linking to AAMI

Please contact AAMI if you would like to link to any part of the AAMI Website.

Please note that our website terms and conditions were last changed on 30/01/2009.