In most cases, the replacement value of cars decrease over time, but in recent years, due to increased costs and constrained supply, we have seen some cars increase in value. As such, your amount covered will be automatically changed to reflect this.

You can increase or decrease your amount covered, within a specified range, and your premium will change accordingly.

You can also choose to insure your vehicle for Market Value. This will change your premium.

Refer to the PDS for details.

When you took out your policy, you would've given us an estimate of how much you drive your car in a year, and that figure informs your premium price. Usually, a higher estimate results in a higher premium, since your'e at greater risk of an incident. If you find yourself driving a lot less then you estimated, maybe because you're working from home or walking to the shops rather than driving, you can log in and adjust this figure. Doing so may reduce your premium a little.

Listing additional drivers on your policy can alter your premium, depending on their details and claims history. For example, if you have a teenager who used your car when they started driving but has since bought their own, they may no longer need to be listed. If you decide to remove them, your premium might be reduced.

If you've moved, make sure your address is updated on your policy. Your location can affect your premium, based on that location's level of risk, so your address being updated can result in your payments being adjusted. Fair warning; that adjustment can reduce your premium, or it may result in an increase. Either way, you'll ensure you're not at risk of having a claim denied or reduced due to incorrect address details.

Eligible policies include Comprehensive Car Insurance.

With AAMI Flexi-Premiums®, you can choose to lower your premium by increasing your excess This'll mean that, while your monthly or yearly premium is cheaper, you'll face more out-of-pocket costs if you make a claim where you're liable to pay an excess. Whether that trade-off is worth it is totally up to you, but it's worth considering.

You may need to update your address, or record a change of car ownership. If so, just get in touch with Service NSW online or call 13 77 88.

To update vehicle driver details or driving history, give AAMI a call on 13 22 44.
Mon–Fri, 8am–6pm NSW time
Sat & Sun, 8am–4pm NSW time

You can find your Payment Reference Number on your AAMI Renewal Notice.

This can be found in the payment slip of the insurance notice or correspondence you received from us.

Please enter a valid email address. This is where we’ll send your payment receipt.

How was I provided the BPay infomation?

Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.

Where is the BPay information located?

I still need assistance?

If you cannot locate the payment reference number please call our contact centre for assistance.

13 22 44
24 hours / 7 days a week

Note that the AAMI Business Insurance biller code is different to AAMI Personal Insurance, e.g. Car and Home Insurance.

How was I provided the BPay infomation?

Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.

Where is the BPay information located?

I still need assistance?

If you cannot locate the payment reference number please call our contact centre for assistance.

13 22 44
24 hours / 7 days a week

You will need:

• Policy Number
• Date of Birth
• Postcode
• Email Address

Register

Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

Cover for accidental loss or damage to your car.

Examples include hail, storm (including cyclone), flood, fire, theft or attempted theft, malicious damage or vandalism, collision and impact. The most we will pay for any one incident is the amount covered shown on your certificate of insurance unless we say otherwise in your policy.

Cover for you or anyone you authorise to drive your car for legal liability to pay compensation for loss or damage caused by your car to another person’s car or property, up to $20 million. Exclusions apply.

We cover accidental loss or damage to your car caused by fire, theft or attempted theft. The most we will pay for any one incident is the amount covered for your car as shown on your certificate of insurance, unless we say otherwise in your policy.

Third Party Property damage cover can be upgraded to include cover for Fire and Theft.

If you have Comprehensive cover, your car is insured for loss or damage by an uninsured driver. The most we will pay for any one incident is the amount covered for your car as showing on your certificate of insurance unless we say otherwise in your policy.

If you have Third Party Property Damage cover, we’ll cover damage by an uninsured driver to your car, up to $5,000 but only if you can show they were entirely at fault and can provide their name, address and rego number.

If your car is stolen, we’ll arrange and pay the reasonable cost of a hire car that meets your transport needs until your car is returned undamaged or repaired or your claim is settled, up to maximum of 21 days.

If your car is damaged in an incident and you are not at fault, we can arrange and pay the reasonable cost of a hire car that meets your transport needs (subject to availability) while repairs are being made to your car or we settle your claim. With Third Party Property Damage policies, this cover will only apply for damage by uninsured driver. You must give us the name, address and vehicle rego of the person at fault.

When your car is stolen or damaged in an incident and you have a Comprehensive or Third Party Fire and Theft policy, we will cover accidental loss or damage to your personal property (e.g. clothing, electronic and telecommunication devices) in the car at the time of the incident. Limits and exclusions apply, refer to PDS.

When your car is towing a caravan or trailer and loss or damage is caused to another person's car or property as a result, we will cover legal liability up to $20 million. That is, if the loss or damage results from:

• the actions of your caravan or trailer,
• your caravan or trailer running out of control after separating from your car while your car is moving, or
• another vehicle colliding with or tries to avoid colliding with property being loaded/unloaded or falling from your caravan or trailer while attached or towed by your car.

When your car is stolen or damaged in an incident covered by your policy, we'll pay up to a total of $1,000 for:

• Reasonable costs for emergency repairs to make your car roadworthy or safe to reach its destination
• Reasonable emergency accommodation costs if your car isn't roadworthy or safe to drive and you're more than 100km from home
• accidental loss or damage to your personal property in the car at the time of the incident.

Exclusions apply, refer to PDS.

When your car is damaged in an incident covered by your policy, we'll cover your transport costs (up to a total of $250 per claim):

• from the scene to your destination if your car is not driveable
• to and from the repairer of your car;
• to and from a hire car provider (if your policy provides this).

If you arrange your own transport which is covered under this cover you will need to:

• pay for the transport and
• give us the tax invoice for reimbursement with your claim.

For Third Party Property Damage; and Fire, Theft & Third Party Property Damage policies, this is only for damage caused entirely by uninsured drivers and where you can provide the name, address and rego number of the person at fault.

When your car is damaged in an incident covered by your policy and it is not roadworthy or safe to drive or needs to be held in storage, we will cover the reasonable costs of:

• one tow to get your from the scene of the incident to our nearest repairer or another location nominated or agreed by us;
• storing your car.

Refer to PDS for full detail.

For Third Party Property Damage policies, this is only for damage by uninsured drivers where you can provide the name, address and rego number of the person at fault.

If your car's less than two years old and you're the first registered owner, and your car is stolen or damaged in an incident covered by your policy and your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series (or similar). Otherwise, we'll pay you the amount covered shown on our certificate of insurance, less applicable deductions.

For full details see PDS.

Enjoy the convenience of a hire car when your car’s out-of-action after an incident covered by your policy. We'll arrange and pay reasonable cost of a hire car that is similar make and model where available. If a hire car is unavailable from our providers, we'll pay you the cost you incur in hiring a hire car that is a similar make and model to your vehicle or in making alternative travel arrangements. The most we’ll pay is $90 per day.

Cover stops when your car is returned undamaged or repaired, or when your claim is settled.

When the only damage to your car following an incident in the period of insurance is to the windscreen or window glass (including sun roof), we cover the reasonable cost to repair or replace windscreen or window glass (including sun roof) without you having to pay an excess.

Note: One excess free claim only in the period of insurance.

Dedicated 24/7 emergency roadside assistance service for your car. AAMI Roadside Assist helps you with:

• changing a flat tyre
• towing your car to an accredited repairer
• jump starting or charging a flat battery
• emergency fuel delivery
• lost or locked keys, by spare key delivery or locksmith attendance.

There is no cover for AAMI Roadside Assist during the first 24 hours of purchasing or adding the optional cover to your policy. For full coverage details including limits, conditions and exclusions, view the T&Cs.

Some geographic limitations apply.

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Only those contents which are owned by the landlord but kept within the property are covered.

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:

• which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or

• if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

• in connection with you owning or living in the building; and

• at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident in certain situations which happens anywhere in Australia or New Zealand during the period of insurance.

The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs.

Please see PDS for full details.

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident in certain situations which happens during the period of insurance.

The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs.

Please see PDS for full details.

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

• authorise;​
• arrange; and​
• pay the builder or repairer directly for this work.​

For full details, see the PDS.

We guarantee the quality of the workmanship for all authorised repairs if we have selected and directly authorised a supplier.

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy for an extra premium to ensure they're insured up to their full value while at the insured address.

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt. Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay the reasonable and necessary costs for up to 52 weeks. Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair. For more info about this coverage including limits, conditions and exclusions, see the PDS.

When you have contents cover and you can’t live at the insured address while it’s being repaired or rebuilt as a result of damage by an insured event, then we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address. If you are a tenant who needs to temporarily move out then we’ll pay for any reasonable extra rent costs for temporary accommodation. For more info about this coverage including limits, conditions and exclusions, see the PDS.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt. Limits, conditions and exclusions apply. See PDS for details.

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12^th July 2019 and 9^th September 2019.

Extra cover to help protect you against loss of rent due to tenant default, theft or malicious damage by your tenant and their guests. Limits, conditions and exclusions apply, so refer to the PDS for details.

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Available 24 hours after adding the option to your policy.

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions.

AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions.

AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

Accidental damage at home doesn’t include loss or damage that’s caused by any of the insured events. Please also see PDS for general exclusions that apply including but not limited to:

• Wear, tear and deterioration
• Deliberate or reckless actions
• Defects, faults, workmanship

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.

Up to $20 million of cover for your legal liability to pay compensation for loss or damage to someone else's vehicle or property caused by the use of your car.

Reasonable and necessary treatment and care expenses for which you or the driver of your vehicle are liable if you or someone else are injured in a motor accident caused by your vehicle.

Medical expenses and weekly payments of a percentage of lost income, for up to twelve months, if you're injured and you're at fault.

If you have landlord contents cover we cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of insurance:

• in connection with you owning the unit or landlord contents at the insured address; and
• in the unit at the insured address.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.