Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
Get a SMART repair for minor damage to your car
As careful as we might be when driving, minor dings and weather damage can still occur — but our SMART repair network helps take the stress out of organising repair quotes and provides fast turn-around times for minor to your car.
Learn about the SMART repair system and how our claims process makes getting back on the road simple.
What does SMART Repair stand for?
Through SMART (Small Medium Accident Repair Technology) Repairs, we’re able to provide quality repairs to vehicles with minor damage quickly and safely. SMART Repairs has a network of nationwide sites powered by great teams that offer repairs 50-70% faster than the industry average and a lifetime guarantee on all repairs.1
Want to avoid the stress of organising repairs for your damaged motor vehicle? AAMI car insurance can help.
So you've had an incident and you've decided to lodge a claim.
First off, we're sorry to hear about that. Car accidents are no fun.
The good news is that AAMI will manage the repair process through our trusted repair network.
The process is designed to make repairing or replacing your car as stress-free as possible.
AAMI also offer a lifetime guarantee on all authorised repairs and this stays with your car even if you choose to sell it.
Let's guide you through the AAMI assessment and repair process starting with how to make a claim, finding you options for repairs for cars that can be driven, what to do when your car can't be driven, how to track the repairs and how we can get you from point A to B during all of this.
Let's begin with lodging a claim. With AAMI, you can usually book a repair using the app or online.
You'll be navigated through this booking process.
Let's say you're using your home computer.
Head to the AAMI website, navigate to the claims page and click, make a claim.
Select what type of policy you want to make a claim on.
Click make a claim now. Fill out all the required fields. One of the biggest factors in how we repair your car is whether your car can be safely driven or not.
First, let's explore what happens if you can safely drive your car from the scene of the collision to a repairer.
Once you've lodged the claim, AAMI will locate a recommended repairer in your area. You'll be prompted to select a repair appointment.
At the time of the repair booking, you'll need to drive your car to the repair shop.
It's here that the mechanic will assess the damage and provide AAMI with a quote.
In some cases, AAMI can automatically approve the work to begin.
Your repairer can arrange your transport to your next destination, whether that's straight home, to work
This cost is covered under your AAMI comprehensive car insurance policy.
AAMI recommended repairs will keep you updated so you won't be left in the dark.
They'll let you know when your car is ready to be picked up and they will arrange your transport to the pickup.
What if your car can't be driven safely to a repairer?
Sounds like it's been a nasty accident.
That can be daunting.
But know that AAMI we'll do what we can to help you get back on the road.
AAMI will help find one of our recommended repairs in your area.
We cover the reasonable cost of towing your car from the scene of the incident to the nearest repairer.
If your car is in an unsecure or unsafe location, give us a call and we can arrange an urgent tow.
Once your car is at the repair shop, the repairer will review the damage and let you know the next steps.
They will keep you informed through the process, including when your car is ready to be picked up.
They can even arrange your transport to collect your car.
Assessors consider a variety of factors like how much it would cost to repair the damage and how extensive the damage is.
Based on what the assessor says, it's possible your car may be deemed a total loss, a write-off.
Either way, you'll be notified what the outcome is as soon as possible.
Then we'll either arrange for your car to be repaired or settle your claim as a total loss. Read the PDS to find out more.
Throughout the claims progress, AAMI will keep you notified via SMS and email with the contact details you have provided.
You can also track your claim online or using the AAMI app.
The car repair replacement process outlined in this video is general information only.
If you have questions or concerns about your car repair or level of cover, speak to one of our friendly team.
You can also use the AAMI app to claim.
Head to www.aami.com.au/app for more info.
What does SMART repair cover?
SMART Repairs specialise in high-quality repairs for drivable vehicles that have sustained minor collision damage. This means that if you have backed into another car and you’re insured with AAMI, resulting minor damage can be repaired with SMART Repairs.
If your car has been damaged so much so that it can’t be driven, you can still lodge a claim with us to begin the assessment process and see if the damage is covered by your policy. Your excess is not dependent on the extent of the damage to your vehicle or the repair process used. Any excess you do need to pay depends on what policy you have with us. To learn what your specific policy covers, check out the relevant Product Disclosure Statement.
If you’re looking for your closest assessment and repair centre, simply select your state or territory from this list of our authorised S.M.A.R.T centres.
Car insurance claims made quick and easy
With all the stress that a motor incident can create, it's easy to forget what you need to do when making a claim. If you make a claim for an event covered by your policy where your car has minor damage, SMART Repairs are automatically selected. Processes for paying your excess are the same regardless of what type of repairs your need.
Through the app, you have access to step-by-step guidance right at your fingertips. From helping you remember what information to include, to tracking your claim as it goes along, the AAMI App makes claiming easy.
- What to do in a minor accident
- What to do when you make a claim
- What is the repairs process at AAMI?
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 Determinationis also available.