Comprehensive Car Insurance

Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.

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What's covered

Accidental damage
We’ll repair or replace the damaged parts of your car up to your vehicle’s market value (if chosen) or amount covered.
Weather events
You’re covered for damage caused by storm, hail, fire (including bushfire) or floods.
Hire car for not-at-fault incidents
If your car is damaged in an incident that wasn’t your fault and you can provide the full details of the at-fault driver and their vehicle, we’ll provide a temporary hire car while repairs are being made.

Mods and accessories
Your policy includes the value of any accessories and modifications that are fitted to your car, with no need to list them on your policy.
Damage to other people’s property
If you accidentally damage someone else’s car or property using your car, we’ll cover you for up to $20 million.

This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)

What's not covered

Wear, tear and gradual deterioration
It's your responsibility to keep your car well maintained and in a good, safe and roadworthy condition. A claim may be affected if damage occurs because of lack of maintainance.
Mechanical and electrical breakdown
Your car isn’t covered for any electrical failure or a mechanical breakdown, except with specific benefits which you can add with optional AAMI Roadside Assist.
Wilful damage
We don't cover any intentional acts of damage to your car caused by you or anybody authorised by you to operate your car.
Theft or damage to an unlocked car
If your car is left unlocked with the keys inside, then any resultant theft or damage won’t be covered.

Test drives
We don’t cover loss or damage to your car during test drives for private sale unless you or another listed driver are a passenger.
Unlicensed driving
Your car’s not covered if it’s driven by someone without a valid license, unless you weren’t driving at the time and can establish no knowledge or involvement in the driving or incident.
Unregistered cars
We don’t cover loss or damage to unregistered cars, unless the cause of the incident was not a result of the car being unregistered.

What's optional

AAMI Roadside Assist

Get help 24/7 Australia-wide if your car breaks down and you need to be towed.

Windscreen and window glass

Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy.

Hire car after an incident

Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to.

Other benefits

Ways to save

Checking a few simple things on your car insurance policy can help you make sure you’re paying what you should be – and not a dollar more.

Ways to save

AAMI Flexi-Premium Excess®

With AAMI Flexi-Premium Excess® you can choose to lower your premium by increasing your excess on eligible policies.

Lifetime Repair Guarantee

The quality of the workmanship and the materials authorised by AAMI in the repair of your car will be guaranteed for its life. How’s that for peace of mind?

AAMI Safe Driver Rewards®

Enjoy extra rewards and benefits for every consecutive year you don’t make a claim. Drivers who don’t make a claim that impacts their AAMI Safe Driver Rewards® status for 10 years and above receive up to 15% credit.

Up to 10% discount with a Skilled Driver Course

Sharpen your skills with the AAMI Skilled Driver Course. Pass the course and receive up to 10% discount on your premium.

Looking for something else?

Third Party Car Insurance

Cover for damage you cause to other people’s car or property.

Learn more

Compulsory Third Party (CTP) Insurance

Cover for injuries you cause to other people.

Learn more

What is Comprehensive Car Insurance?

Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance

Frequently asked questions

Comprehensive Car Insurance is just that — comprehensive. It’ll provide you with coverage for a range of insured events such as accidents and theft, as well as weather events like hail, fire and storms. If you’re involved in an accident, your car and property and the other person’s car and property are covered, even if you’re at fault. Third Party Car Insurance, on the other hand, will only cover you for damage you cause to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance covers you for accidental loss or damage in the event of fire, theft or attempted theft. For more info on what is and isn’t covered, check the PDS.

AAMI Flexi-Premium Excess® is an additional excess payment you can choose, on top of your standard excess, that will kick in if you ever need to make a claim for which excess is payable. That is, a claim for an incident in which you’re at fault or can't provide the details of an at-fault driver.

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