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Car Insurance

You're in good hands. AAMI is the trusted car insurance provider of around 1.8 million Australian drivers.

Get your quote now!

Buy a new Comprehensive Car Policy and you can get

ONE YEAR FREE

AAMI Roadside Assist

Plus $50 off when you buy online

Get a quote

Retrieve a quote

Offer ends 10th July 2020. T&Cs apply. Not in conjunction with other offers.

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Comprehensive Car Insurance provides cover for your car and for damage to other people’s cars and property, while Third Party Car Insurance only covers the damage you cause to other people’s cars and property. You can get a car insurance quote today, quickly and easily.

 
COMPREHENSIVE CAR
INSURANCE

 $50 OFF

new policies when purchased online

ALL DISCOUNTS AVAILABLE


  • AAMI Comprehensive Car Insurance covers you for damage to both your car and to other people's vehicles and property.
  • For damage to someone else’s vehicle or property, we’ll insure you for up to $20 million. For damage to your car we’ll insure you for up to your amount covered.
  • We’ll also insure you for up to your amount covered if your car is stolen or if it’s damaged by Fire, Hail, Storm or Flood.
  • Enjoy the convenience of a hire car when your car’s damaged in a not-at-fault accident and can’t be safely driven. Hire Car for at-fault incidents is available as an optional extra.

1 Year Free

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist.

AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing. You’ll get Australia-wide coverage and 24-hour unlimited roadside callouts.

Offer ends 10th July 2020. T&Cs apply. Not available in conjunction with other offers. AAMI Roadside Assist is only available in conjunction with AAMI Comprehensive Car Insurance.

 
THIRD PARTY PROPERTY
DAMAGE

 $20 OFF

new policies when purchased online

ALL DISCOUNTS AVAILABLE


  • Covers you for up to $20 million worth of damage that you cause to other people's vehicles and property only.
  • Cover for Fire & Theft (up to $10,000) is available as an Optional Extra with Third Party Property Damage Car Insurance.
  • With Third Party Car Insurance, you won’t be insured for damage caused to your car if it’s your fault.
  • You won’t be covered for damage caused by hail, storm or flood.

 

Compare Comprehensive and Third Party Car Insurance features

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Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Real Customers

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AAMI Customer Reviews

Compulsory by law

CTP or Greenslip

Compulsory Third Party (CTP) is insurance attached to the registration of your vehicle, which provides protection, against compensation claims from people injured in a motor vehicle accident. 

Find out if you need CTP Insurance

OPTIONAL EXTRAS FOR
AAMI Comprehensive Car Insurance

ROADSIDE ASSIST

Get 24/7 Australia-wide roadside assistance if your car breaks down, gets a flat battery or flat tyre, you’re locked out of your car or lose your car keys, run out of fuel, or need to be towed. Offers roadside callouts for less than $86 a year. 

Terms and conditions apply. 

HIRE CAR

With optional hire car cover, enjoy the convenience of a hire car when your car’s out of action because of an incident, even if it’s your fault. We’ll cover reasonable hire costs until your claim is settled or your car is returned to you. 

Terms and conditions apply. 

WINDSCREEN & WINDOW GLASS COVER

Have your damaged windscreen or window glass repaired or replaced once a year, without having to pay an excess. Includes windscreen, window or sunroof glass.

Terms and conditions apply. 

YOU ALSO GET
Customer Rewards

Make the most of the customer rewards! From retail discounts to experiences at concerts, movies, sporting events and more, enjoy great value on services that you'll love. See more Customer Rewards.

Your safety and wellbeing is our first priority, and we will continue to closely monitor the COVID-19 situation. Log in to find out if there are any changes to upcoming AAMI Lucky Club events.

We'll be there when you need us

Easy, paperless claims 24/7

Whether you lodge and track your claim over the phone or online, say goodbye to mountains of paperwork!

Fast and reliable repairs

Our goal is always to get you back on the road as fast as we can - safely.

Repairs guaranteed for life

We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.

Reasons to choose AAMI Car Insurance

We offer unparalleled customer service

24/7 claims, Roadside Assistance, the AAMI Lucky Club and access to online tools.

Contact AAMI

Here when you need us most

Like a big sigh of relief, we'll be here when you need us most. We may even make you smile.

More about our claims

Trusted since 1969

Proud to be one of Australia's most respected and successful insurance companies for over 45 years.

More about AAMI

Car insurance articles

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AAMI Car Insurance 
Frequently asked questions

Find out exactly what AAMI customers think about our Car Insurance.

Car Insurance is rated 4.6 out of 5 by 4713.
Rated 5 out of 5 by from HAPPY WITH AAMI Besides being a very cost effective and comprehensive policy I found the whole on-line process to be easy.
Date published: 2020-03-28
Rated 5 out of 5 by from Easier than I thought I'm very happy with the experience that I had with buying insurance online was so simple and easy. Beat a competitors pricing by quite an amount. Overall very good service and highly recommended.
Date published: 2020-03-28
Rated 5 out of 5 by from Easy and fast - excellent payment options Excellent easy. Payment options make it way to manage on the road
Date published: 2020-03-28
Rated 5 out of 5 by from SO HAPPY MY EXPERIENCE WITH AAMI WAS AMAZING - SOOOO EASY IN COMPARISON TO OTHER INSURANCE COMPANY. THANK YOU
Date published: 2020-03-25
Rated 5 out of 5 by from Ease and simplicity of quote Your web page set it all out on one page instead of giving me a payment figure quote by email without stating what I was buying on the quote on one easy to understand and access page. Thanks for making it simple
Date published: 2020-03-25
Rated 3 out of 5 by from still no loyalty for existing customers renewal of insurance is dearer than starting a new policy and you do not get roadside assist included for 12 months free, come on aami reward long term customers
Date published: 2020-03-24
Rated 5 out of 5 by from So easy and quick! AAMI have great communication and easy steps to follow
Date published: 2020-03-24
Rated 4 out of 5 by from Wish we could have stayed longer. Great experience would do it again and again and again
Date published: 2020-03-24
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Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (including CTP or MAI Insurance policies), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers who only hold the following insurance policies aren’t eligible for AAMI Lucky Club: Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

1 Year Free

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist.

AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing. You’ll get Australia-wide coverage and 24-hour unlimited roadside callouts.

Offer ends 10th July 2020. T&Cs apply. Not available in conjunction with other offers. AAMI Roadside Assist is only available in conjunction with AAMI Comprehensive Car Insurance.

Write off

We consider your car a write off when:

  • It’s stolen and unrecovered after 14 days; or 
  • We decide it's uneconomical, impractical or unsafe to repair.

We also refer to this as ‘total loss’.

New car if less than 2 years old

If your car’s a total loss, we’ll cover the cost to replace it with a new car that’s the same or similar make and model if:

  • your car is less than 2 years old
  • you’re the first registered owner

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

 

Amount Covered

How much your vehicle's insured for.

It’s the maximum amount we’ll pay for loss or damage to your vehicle caused by an insured incident.  The amount is shown on your certificate of insurance and includes GST.

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.

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

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