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Car Insurance

Car Insurance helps cover costs related to incidents on the road for which you’re liable — including repairs to cars and property, replacement of stolen cars, and more.

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Depending on the type of cover you choose, car insurance can help cover the cost of damage to cars and property, as well as injury to other drivers, if you’re ever in a car accident. Comprehensive Car Insurance cover damage to your car and other people’s cars and property, while Third Party Car Insurance only covers damage you cause to other people’s cars and property.

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COMPREHENSIVE CAR

what's covered?

  • Cover for accidental damage
  • Cover for theft or attempted theft
  • Includes accessories & modifications  
  • Includes hire car after not-at-fault incidents  
  • Includes new for old replacement  

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  • Hire car after an incident  
  • Windscreen & window glass cover  

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THIRD PARTY PROPERTY

what's covered?

  • Damage to other people's property up to $20 million
  • Damage by uninsured drivers up to $5,000 

More about coverage types

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  • Fire & Theft Cover  

More about Third Party Property Damage

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What am I covered for?

What's covered by Car Insurance?

Car insurance helps cover costs for which you might be liable, such as vehicle repairs, if you’re ever involved in a car accident. The level of cover you choose will determine whether you’re covered for damage to our own vehicle and other people’s property — that’s Comprehensive Car Insurance — or just the latter, with Third Party Property Damage. Get a car insurance quote today!

Comprehensive Car Insurance

Accidental Damage

If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.

If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.

Third Party Property Car Insurance

CTP Insurance

CTP Insurance is attached to your vehicle’s registration and covers your liability for injuries you may cause to other people in an accident. CTP, also known as a Green Slip in NSW, is compulsory by law, and in most states included in your car registration. In NSW, you need to buy it separately before you can register your car. If you get a Green Slip with AAMI, we'll notify SIRA automatically, so the process is as simple as possible.

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AAMI Car Insurance

Frequently asked questions

This content applies to new policies and renewal policies with a start date after 14 December 2020.

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CTP Insurance

CTP Insurance is attached to your vehicle’s registration and covers your liability for injuries you may cause to other people in an accident. CTP, also known as a Green Slip in NSW, is compulsory by law, and in most states included in your car registration. In NSW, you need to buy it separately before you can register your car. If you get a Green Slip with AAMI, we'll notify SIRA automatically, so the process is as simple as possible.

Find out if you need CTP Insurance

Damage by uninsured drivers

When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.​

New for old replacement

If your car's less than 2 years old and you're the first registered owner, if your car is stolen or damaged and your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series as your car. Where this is not possible we will instead pay the amount covered, less applicable deductions. See the PDS for full details.

Hire car after not-at-fault-incidents

At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

Modifications and accessories

At AAMI we cover all legal modifications and accessories fitted to your car, there is usually no need to list them on your policy. Just ensure the amount you cover your car for is enough to also include the value of all the insured accessories and modifications.

Hire car after an incident

With the Optional Cover - hire car after an event, enjoy the convenience of a hire care when your car’s out of action because of an incident, even if it’s your fault. We'll cover reasonable hire car costs up to $90 per day until your claim is settled or your car is returned to you.​​

Windscreen & window glass cover

This Optional Cover means you'll pay no excess on one claim per year for repairs or replacement of your windscreen, window glass or sunroof when damaged by an incident covered by your policy.​

Fire & Theft description

The Fire and Theft Cover is a higher level of cover you pay extra for to include cover for fire, theft and attempted theft damage to your car.​

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