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Does AAMI car insurance cover hitting an animal?


AAMI Comprehensive Car insurance may cover damage to your car in the event of a collision with animals and wildlife. But an excess may apply.

How to claim on your insurance if you hit an animal while driving

There are a few simple ways:

  • You can make and track claims – and much more! – in the AAMI App.
  • You can also lodge a claim online in just six steps.
  • Or you can call us on 13 22 44, 24 hours a day, 7 days a week.

Find out more about how to make a Car Insurance policy claim.

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How common are animal collisions?

According to Transport for NSW animal collisions make up one in every 41 road casualties on country roads.

Car accidents involving animals seem to become more frequent when the sunny days dwindle. Despite May being the biggest month for animal collisions (1,039 claims), AAMI’s March 2018-February 2019 claims data suggests that the winter months (June-August) have, on average, more animal collisions than any other season.

How to avoid hitting an animal

Drivers should always follow these safety tips when driving.

  • Stay alert and expect the unexpected.
  • Avoid driving at dawn and dusk, if possible.
  • Take extra care driving in regional areas.
  • If you see one kangaroo, expect others to be nearby.
  • If you notice road kill, slow down and pay extra attention. It’s an indicator of wildlife in the area.
  • If you spot a kangaroo crossing the road, it's a sign that more roos will be following as they move in groups.
  • Use your peripheral vision and be aware of your surroundings, especially when travelling through forest or grassland areas where animals are not clearly visible.

What to do in an animal collision

What to do if you think you’re going to hit an animal

  • If an animal crosses your path, honk. It could scare the animal away and will alert other drivers.
  • Look in the direction you want to travel in, not at the animal. Looking at the animal might cause you to drive towards it.
  • Don’t swerve. Slow down and brake.

What to do if you hit an animal

  • If you’re involved in a collision with an animal, stop to check its welfare, but only if it’s safe to do so. If the animal is alive and injured, call your local wildlife rescue service,
  • If it’s a dead kangaroo and it is safe to do so, check if it’s a female and whether there’s a joey(s) in her pouch or around her. Pouches/flaps of wombats and echidnas should also be checked as well as the surrounding area, as often young echidnas are dislodged during a vehicle collision. Do not do so if it’s unsafe. Watch out for other traffic which might not expect to see you on the road or roadside.


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AAMI Comprehensive Car Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.