Can I renew my expired car insurance?


Potentially! It depends on your circumstances and how much time has passed since the policy expired.

When does my car insurance expire?

AAMI usually offers 12-month insurance policies, so if, for example, your policy started on June 1st, it will expire at 11:59pm on May 31st the following year. If a renewal is offered, it will commence from June 1st and continue for another 12 months.

You can check your renewal date at any time using your My Account.

We also send out friendly reminders via email if you’ve opted in for electronic notifications to help you stay up to date.

Log into your My Account

Is there a grace period if my policy has expired?

If your policy has very recently expired, you may still be able to renew it online – check to see if you can still pay for it! Just be aware that you won't be covered if your policy has expired. 

You also won’t be able to make any updates to your details if your policy has expired, however, you will be able to make changes online after the policy has been renewed. If the changes decrease or increase your premium, you may be eligible for a refund or need to pay an added amount.

If you’re experiencing financial hardship, AAMI is here to support you. We have dedicated services for situations like these, so don’t hesitate to reach out.

Are there consequences if my policy expires?

If your policy has expired, you’ll be without cover, and any claims you make will likely be denied. If you get into an accident during this time, you’re also likely to be responsible for out-of-pocket costs if a third party makes a claim.

What about the bonuses and benefits attached to an expired policy?

Your bonuses and other benefits may expire with the policy.

There’s a chance that you may be able to reinstate your expired policy by paying for your renewal. In this case, you will get to keep any existing benefits.

How to renew your car insurance when it has expired

If your car insurance has very recently expired, you may still be able to renew it online.

If you have a Payment Reference Number (PRN) or policy number, you can check to see if you can renew online using Quick Pay.

Pay your renewal 

Make sure your contact details are up to date

When life gets hectic, it’s easy for things to slip your mind. Just make sure your My Account details are up to date, especially your email address and phone number. If you’re not receiving email updates, you should check that you’ve opted in for electronic notices.

We send out email and SMS reminders roughly five weeks before your renewal is due. This renewal notice will include your price and BPAY details. If you’re the forgetful sort, you can always set up a scheduled payment through BPAY so you won’t need to keep track of the due date.

What to review when renewing your car insurance

When you renew your car insurance, you should make sure that all your details are up to date. Check for changes to things like:

If your policy has expired, you’ll need to pay the online renewal before you can make updates – and even then, some changes may be restricted. It’s always best to err on the safe side by making all the necessary updates before the expiry date.

If my car insurance expires today, can I still drive?

If your car insurance has expired, you can still legally drive, but you may face out-of-pocket costs if an incident occurs. 

Read more:

Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. Go to for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.