To save time let's start by asking you 5 simple questions


By getting a quote you agree that the right PDS is being made available to you by this website, agree with our Online Terms & Privacy Statement and that you have read and understood your Duty of Disclosure. It's important that you answer all our questions accurately.

Duty of Disclosure
Close help

What you must tell us?

When answering our questions, you must be honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the circumstances, would include in their answer to the question. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.

Who does the duty apply to?

It is important that you understand you are answering our questions in this way for yourself and anyone else that you want to be covered by the policy.

What happens if you fail in your duty?

If you do not answer our questions in this way, we may reduce or refuse to pay a claim, or cancel the policy. If you answer our questions fraudulently, we may refuse to pay a claim and treat the policy as never having existed.

  • Will anyone apart from you be driving this car repeatedly?Help

    Who drives this car
    Close help

    You must tell us about everyone (excluding learner drivers) who will drive this car repeatedly.

    By repeatedly, we mean anyone you know or expect to use the car regularly, or only from time to time, during the period of insurance. If other people drive this car repeatedly or from time to time, you’ll be able to list them later in this quote.

    If you need to let someone else, who you are not aware of today, drive the car, we will cover them subject to the terms of your policy. Please read the PDS for details.

    One of the important factors your premium will be based on will be the drivers you list, including their age, gender and driving history. AAMI is obligated to insure all drivers correctly. Not telling us about a repeat driver could result in your claim being reduced or not paid, a higher claim excess, or your policy being cancelled.

  • In the last 3 years have you had any car related claims, driver licence suspensions, cancellations, disqualifications or restrictions?Help

    Car related incidents
    Close help

    Claims refers to accidents or claims where you were deemed responsible or 'at fault', where another person was at fault or where the person responsible could not be identified. This includes: hit animal, windscreen, malicious damage, fire, hail or car hit when parked accidents/claims.

    Suspensions,cancellations or disqualifications may refer to driving in excess of 30 km/h above the speed limit, loss of demerit points or drink driving offences.

  • Is this car used for business?Help

    Business use
    Close help

    AAMI applies the following definitions in its policies of car use:

    Private: if not used in connection with earning an income, or if the only such use is driving to and from work and/or occasional use in connection with work or if used for volunteer work;

    Business: if used in connection with an occupation or business in a way not listed above.

  • Does your car have custom or specialised paint (after market), nitro or hydrogen fuel,
    a petrol turbo or supercharger (after market), a roll bar, roll cage or a racing harness?

    All other modifications and accessories fitted to your car are automatically covered.Help

    We have you covered
    Close help

    AAMI's car insurance automatically includes cover for accessories and modifications that have been fitted to your car up to the amount covered, with the exception of the accessories and modifications listed here.

  • Do you or any family or household members have any current policies with AAMI?