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REAL AUSSIES
Eligible customers can enjoy special offers, access to event perks like priority entry, premium viewing or pre-sales here.
AAMI PRE-SALE WED 6 DEC!Get your tickets with AAMI & access exclusive event perks!
WIN TICKETS FOR YOU & 3 FRIENDS!ENTER NOW. T&Cs apply. Comp Closes 11:59PM 17 DEC 2023.
AUS MUSIC T-SHIRT DAY 30.11Donate to Support Act and AAMI will match the first $40,000 worth of donations! T&Cs apply.
AAMI GOLD GRASS TIX & EXTRAS FOR JUST $25Exclusive Moonlight Cinema offer for AAMI Customers! T&C apply.
TICKETS ON SALE NOW!Vision Australia's Carols by Candlelight
A DAY ON THE GREENWho offers you access to pre-sales and event perks? AAMI Does.
A DAY ON THE GREENWho offers you access to pre-sales and event perks? AAMI Does.
A DAY ON THE GREENWho offers you access to pre-sales and event perks? AAMI Does.
A DAY ON THE GREENWho offers you access to pre-sales and event perks? AAMI Does.
A DAY ON THE GREEN AAMI customers enjoy event perks like Express Entry, Express Bar Lanes and Pre-Sales!
AAMI Events and Experiences eligibility
Customers with the following AAMI policies are eligible to access AAMI Events and Experiences via My Account or the AAMI App:
Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7
AAMI roadside assist
AAMI Roadside Assist is a dedicated 24/7 emergency roadside assistance service for your car, from a leading emergency assistance provider. Available 24 hours after taking out or adding this optional cover to your policy. It is additionally subject to the AAMI Roadside Assist Terms and Conditions
AAMI Roadside Assist helps you with:
Damage by uninsured drivers
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.
New for old replacement
If your car's less than 2 years old and you're the first registered owner, if your car is stolen or damaged 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 as your car. Where this is not possible we will instead pay the amount covered, less applicable deductions. See the PDS for full details.
Hire car after not-at-fault-incidents
At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.
Modifications and accessories
At AAMI we cover all legal modifications and accessories fitted to your car, there is usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.
Hire car after an incident
With the Optional Cover - hire car after an event, enjoy the convenience of a hire car when your car’s out of action because of an incident, even if it’s your fault. We'll cover reasonable hire car costs up to $90 per day until your claim is settled or your car is returned to you.
Windscreen & window glass cover
This Optional Cover means you'll pay no excess on one claim per year for repairs or replacement of your windscreen, window glass or sunroof when damaged by an incident covered by your policy.
Fire & Theft Cover
The Fire and Theft Cover is a higher level of cover you pay extra for to include cover for fire, theft and attempted theft damage to your car.
Available to 95% of Aussie homes
Some geographic limitations apply.
How AAMI Home Assist works
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.
Tax Probe
Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.
Back in Business
Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.
Theft
Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.
Property Damage
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.
Public and Products Liability
Covers you for the cost of compensation if your business is responsible for personal injury or property damage.
Home & Contents including Legal Liability
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.
Damage to other people and their property
Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.
Loss of rent
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.
Loss of rent
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.
Contents damage or loss
Only those contents which are owned by the landlord but kept within the property are covered.
Third party cover
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.
Legal liability
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.
Legal liability
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.
Lifetime guarantee on building repairs
When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:
For full details, see the PDS.
Portable valuables
Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.
Specified contents at 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.
Temporary Accommodation
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
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
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.
Temporary Accommodation
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.
Eligible Policies
Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.
Tenant Protection
Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.
Cover for spoiled food and medication
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.
Cover for motor burnout
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.
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
24/7 AAMI Home Assist
Available 24 hours after adding the option to your policy.
General maintenance
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.
Preventative services
AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions.
Disaster response
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.
This doesn’t cover damage caused by:
Limits and exclusions
This Optional Cover is for fixed glass only. Refer to the PDS for more information.
