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Does your car insurance cover theft of personal items?

By  AAMI


At AAMI, we want to do what we can to relieve your stress during an experience like having your car broken into. If you have AAMI Fire, Theft & Third Party Property Damage or a AAMI Comprehensive Car Insurance policy, we cover certain personal items either stolen or damaged in an incident covered by your policy like theft.

If you don’t have car insurance, you can easily get a quote and have some peace of mind that your car and personal belongings can have cover.

Get a car insurance quote

Are car break-ins covered by insurance? 

Whether you have AAMI Comprehensive Car Insurance or AAMI Fire, Theft & Third Party Property Damage Insurance, you can have cover for personal property in your car from theft or attempted theft. If there’s an incident covered by your policy and the personal property in the car is lost or damaged as a result of the incident, we can provide cover up to the limit shown on your policy. 

What personal items in my car can be covered?

When your car has been stolen or damaged in an incident covered by AAMI Fire, Theft & Third Party Property Damage Insurance, any damage or theft of personal items you had in the car — such as personal items like clothing, phones and tablets — can be covered, for up to $500 for any one incident.

Comprehensive Car Insurance also covers the cost of damage or theft of personal items in your car, but has a higher total coverage limit of $1,000 for any one incident. It also covers a broader range of incidents, rather than just damage caused by fire, theft or attempted theft, as is the case with a Fire, Theft & Third Party Property Damage policy. 

What isn't covered by car insurance?

AAMI policies won’t cover the following:

  • Cash, smartcards, phone cards, documents able to be cashed or traded, vouchers, tickets or money orders.
  • Tools, other than those supplied as standard by the car manufacturer or similar replacements.
  • Items used for business, trade or profession.
  • Any personal property that is not owned by you.

For more info about what’s covered, check out your policy’s Product Disclosure Statement.

Getting additional cover for your personal items

An AAMI Home and Contents policy offers Portable Valuables Cover as an optional cover you pay extra to have for things like jewellery, watches and handbags, of up to $1,000 per item, pair, set or collection. An excess applies when you make a claim under each of these policies. You should report any theft to the police as soon as possible and keep details including the report number.

Making a claim is easy

If you need to make a claim, we’ve made things simple.

If you have AAMI Comprehensive Car Insurance, simply use the AAMI App or make a claim online. For other insurance types, you can make a claim by phone. Learn what you need and start your claim journey at AAMI Claims.

AAMI Claims


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Insurance issued by AAI Limited ABN 48 005 297 807 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. The information provided should not be used as a substitute for professional advice. We do not accept legal responsibility for any loss incurred as a result of reliance upon any information presented – please make your own enquiries.