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How do I benefit from AAMI Safe Driver Rewards®?     


Safe driving not only keeps you out of harm’s way, it can help you save on both AAMI Comprehensive Car Insurance and AAMI Roadside Assist.

With AAMI Safe Driver Rewards you can save up to 15% on your insurance, plus you can save up to 25% on AAMI Roadside Assist.

Discover AAMI Comprehensive Car Insurance   

Drive safely and earn AAMI Safe Driver Rewards

Eligible AAMI Comprehensive Car Insurance customers can receive Safe Driver Rewards benefits after driving safely for a year. When it’s time to renew your policy, you’ll earn a special Safe Driver Rewards credit of 2.5%. Then, for every consecutive year you renew with AAMI and drive safely, you’ll earn a progressively higher credit, as well as increased discounts on AAMI Roadside Assist.

The maximum you can save is 15% in Safe Driver Rewards credit*, plus up to 25% off AAMI Roadside Assist^.

How can I retain my Safe Driver status?

AAMI determines your Safe Driver Rewards status by looking at:

  • your claims history, including the claims of other drivers covered by your policy,
  • and the number of years the drivers covered under your policy have been driving.

As long as you and other drivers covered under your policy are not responsible for causing an accident, you’ll retain your Safe Driver status. For example, if your vehicle is damaged by hail or rear-ended while you’re waiting at traffic lights, and you’re found not to be at fault, you’ll retain your status once your claim is settled.

Whether or not you think you may be at fault, after any accident you’ll want to gather details about what happened to support your claim. After making sure everyone’s OK, swap details with all drivers, passengers and witnesses, gather driver licence and registration info and take photos. To keep everything organised, you can add these details directly to the AAMI App.

Download the AAMI App

Keep in mind you have a duty to report even minor accidents to your insurer, as well as any modifications or changes you make to your vehicle. Safe driving is just one factor that affects your car insurance cost. Your premiums can fluctuate based on factors like your car’s condition, its age and how many kilometres you drive.  

Skills for young drivers – and savings for you

Driving defensively and staying focused on the road can help you and your loved ones stay safe.  

The AAMI Skilled Drivers course equips drivers under the age of 25 with a range of safe driving techniques. The one-day course is conducted in a controlled environment under the strict supervision of experienced trainers and it’s easy to register online for an upcoming date.

Best of all, if the participant is a listed driver on your AAMI Comprehensive Car Insurance policy, when they complete the course, you can receive up to a 10% discount on your premium. You’ll keep the discount until the first renewal on or after the participant turns 25, as long as they remain a listed driver. Learn more about how the discount works.

In short, an AAMI Skilled Drivers course is a great way to help a young person be safer on the road – and it can be great value for you too.

Read more:

*Maximum 15% credit is for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+. Credit is a percentage of the rated premium paid the previous year and is applied as a credit to next year's rated premium.

^Maximum 25% discount on AAMI Roadside Assist is for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 9 years+.

AAMI Car Insurance, NSW and ACT CTP Insurance, and Caravan Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. 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.