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Car Insurance FAQs

Many of your general questions can be answered here.
If you have a specific question regarding your own policy, please contact us.

This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.

Modifications and accessories

Modifications are alterations made to your vehicle that change its original manufacturer's standard construction or performance - such as modified suspension.

Accessories are things that are added to your vehicle for convenience or attractiveness - such as tinted windows in a car - that don't change its original manufacturer's standard construction or performance.

AAMI car policies automatically include cover for modifications and accessories up to the amount your vehicle's covered for. There's no need to list them on your policy, just make sure the amount you cover your car for is enough to also cover the value of all the insured accessories and modifications.


Covers you for your car and other people's vehicles + property


Covers you for other people's vehicles + property