Many of your general questions can be answered here.
If you have a specific question regarding your own policy, please contact us
What is an excess?
An excess is the amount that you have to pay for each insured incident when you make a claim. When you make a claim we may require you to pay the excess or we may deduct the excess from any payment we make to you. We will tell you when and how the excess is to be paid or deducted. When one or more excesses apply to your policy, they will be shown on your certificate of insurance or in your PDS.
When your building and contents at the one address are insured with AAMI on the same policy and your claim is for loss or damage to both your contents and your buildings, only the higher of your flexi-premium building excess or flexi-premium contents excess is payable (plus any other excess that applies).
You can save on your Home Building and Contents premium, as well as your Comprehensive Car or Motorcycle insurance premium, with AAMI’s Flexi-Premiums. When you choose a higher flexi-premium excess, your premium will be lower.
What discounts do you offer?
We may provide a discount during the first year of a new policy with AAMI (excluding CTP insurance) if you have other current policies with AAMI.
We also reward you with a discount for combining your building and contents for the same address on the same policy with us.
We do not provide further discounts for health care card holders or pensioners.