There are a few different types of car insurance excess. An excess is the amount you pay towards the cost of your claim for each incident covered by your policy.
The table below explains the excesses that apply to common AAMI car insurance claim types. For other types of claims, we’ll tell you what excesses apply when you make a claim.
If you don't yet have car insurance, get a quote from AAMI below!
AAMI FlexiPremiums® Excess
The range of AAMI Flexi-Premiums excesses we offer is between $95 and $1,550. If chosen, this excess applies in addition to any other excess that applies. Choosing a higher AAMI Flexi-Premium excess reduces your premium.
Age excess
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Age excess
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Age excess
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Theft or attempted theft of your car
Storm, hail, flood or fire damage
Malicious act or vandalism
Damage to your car whilst parked caused by an unidentified person or driver
Collision with or by an animal
Windscreen or window glass damage only*
An accident where the driver of your car caused or contributed to the damage
An incident where you can show the driver of your car didn’t contribute to the accident (this means the other driver was entirely at fault) and you can give us the name and address of the at fault driver and the registration number of the at fault vehicle**
An incident where you can show the driver of your car didn’t contribute to the accident but you cannot give us the name and address of the at fault driver and the registration number of the at fault vehicle**
*When the only damage to your car following an incident in the period of insurance is to the windscreen or window glass (including sun roof), we cover the reasonable cost to repair or replace windscreen or window glass (including sun roof) without you having to pay an excess.
For more information on excesses, refer to the AAMI Comprehensive Car Insurance Additional Information Guide.
Making a claim
Are you an AAMI customer recently impacted by an event you believe is covered under your policy? Your first step can be to check your Product Disclosure Statement to see what your policy covers.
Now that you know what types of excess might apply, get started on making your claim today.
We know how stressful it can be when the unexpected happens. That’s why we’ve created a simple online claims process. Head to AAMI Claims or open the AAMI App and select your relevant policy to get started.
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 Determination is also available.
**If you cannot supply the at-fault driver’s name, address and vehicle registration number it means we will not be able to waive your excess. It does not otherwise impact the cover under your policy or your ability to make a claim.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Age excess
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
