Car insurance covers you didn't know you had


Your AAMI Comprehensive Car Insurance is just that — comprehensive. So in addition to covering the obvious stuff, like damage from accidents and theft, there are a few coverage types that you may not be aware of.

New car after a total loss

If your car is stolen or damaged in an incident covered under your policy, and your claim is accepted as a total loss – in other words, if it’s a write-off — we’ll replace it with a new car of the same or similar make, model and series. There are some conditions, just FYI. For example, you must be the first registered owner and your car must be less than two years old at the time of the incident.

Emergency accommodation

If you have an accident far from home, we won’t leave you stranded. We’ll cover the cost of reasonable emergency accommodation if your car is stolen or not safe to drive and you’re more than 100km from home.

Baby capsules and child seats

Parents and carers will be glad to know we cover the cost of replacing baby capsules and child seats up to $500 each if your car is stolen or damaged in a crash — which is great news, because those things aren’t cheap!

Hire car after theft or not-at-fault accident

With AAMI, you won’t be off the road for long. We’ll cover the cost of a hire car that meets your transport needs for up to 21 days if your car is stolen. If you're involved in a not-at-fault accident (and you can provide us with full details of the at fault driver and their vehicle registration number), we'll cover the cost of a hire car until we repair and return your car or your claim is settled.​ If you’d like cover for a hire car after other insured incidents, including incidents where you’re at fault, you can get this as an Optional Cover that you pay extra for.​

Personal property

Having your car stolen is one thing, but losing valuables that were inside adds salt to the wound. Luckily, AAMI Comprehensive Car Insurance not only covers your car, but certain personal items inside the car if your car is stolen. Some things aren’t included (such as tools and items related to your business), so it’s a good idea to call us if you have any questions. For things that aren’t covered, you may be able to insure them as portable valuables under your Home Contents Insurance policy.

Transport, towing and storage

When your car is damaged in an insured incident and isn’t safe to drive, or needs to be held in storage, we’ll cover the cost of one tow to get your car from the scene of the incident to our nearest repairer and store your car. We’ll also cover up to $250 to get you to the repairer, your destination or a hire car provider.

Feel more secure knowing both you and your car are looked after with AAMI Comprehensive Car Insurance.


Need to make a claim?

Already have an AAMI Car Insurance policy and need to make a claim? We’ve got your back with our online claims process & the AAMI App

Why claim online?

  • claim 24/7, at your own time and pace
  • enjoy a simple, guided claims process
  • book directly into a repairer (for eligible claims/policies)
  • manage photos or documents easily
  • track your claim online at any time

Read your relevant policy’s Product Disclosure Statement before making a claim at AAMI Claims. It can help you understnd what's covered by your policy.

AAMI Claims

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Insurance is 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.