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Car Insurance

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

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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)

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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.

$50 OFF

new policies when purchased online


  • 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.
More about Comprehensive Car Insurance

$20 OFF

new policies when purchased online


  • 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.
More about Third Party Car Insurance

Still not sure which motor vehicle insurance option is right for you? Compare third party car insurance with comprehensive or get a car insurance quote now.

OPTIONAL EXTRAS FOR
AAMI Comprehensive Car Insurance

Add AAMI Roadside Assistance to your Comprehensive Car Insurance and you’ll have AAMI to help you out with emergencies like flat tyres and batteries, lost or locked-in keys and towing.

With Australia-wide coverage and 24 hour unlimited roadside callouts, AAMI Roadside is wherever and whenever you need it.

Get AAMI Roadside Assistance for less than $86 a year, with no joining fee.

Add as an Optional Extra with your AAMI Comprehensive Car Insurance.

Enjoy the convenience of a hire car – a similar model to yours (up to $90 per day) – when your car’s out of action.

We’ll cover the cost of a hire car right up until repairs are completed or we confirm your car can’t be repaired.

Damaged windscreen or window glass? As an Optional Extra with AAMI Comprehensive Car Insurance, you could be covered once annually for your windscreen repair.

You’ll pay no excess on repairs or replacement of your windscreen, window glass or sunroof.

Once you lodge your claim, a booking for your car repair will be made immediately and we’ll call you soon after to confirm the details.

CTP or Greenslip

More about CTP

CTP insurance covers you for injuries you cause to other people in a Motor Vehicle accident.

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

Remember that CTP doesn't cover damage to your vehicle, other vehicles, or property. That’s where you’ll need either Third Party Property or Comprehensive Car Insurance.

More about CTP
Do you need CTP?

CTP is compulsory by law. In most states, it’s included in your car registration, but in NSW you need to buy it separately.

Introducing Suncorp App

AAMI is part of the Suncorp Network, which means more for you. Download the Suncorp App now to explore everyday rewards, make claims easy, get property smart and more.

Why Car Insurance is important

If you’re like most Aussies, your car is what gets you from A to B comfortably. Driving means different things to different people — independence, convenience, routine, or a chance to explore. So, whether you drive a family SUV, well-loved ute or sleek sports car, you want to feel protected. Depending on your level of cover, your Car Insurance is there to protect not only your car, but the drivers involved too.

At AAMI, we understand how important it is to get the right Car Insurance. If you’re still not sure which one is best for you, we also provide more information on Comprehensive Car insurance and Third Party Car insurance.

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 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

Customer Rewards

We’d like to introduce you to AAMI Lucky Club, a place where our customers come to get access to amazing experiences.

Now that’s not very insurancey.

Find out more

 

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

AAMI Car Insurance is rated 4.6 out of 5 by 4443.
Rated 5 out of 5 by from Fast, simple.. and efficient. Taking AAMI insurance was like a breath of fresh air, after a couple of troublesome and aggravating experiences with a couple of other companies.
Date published: 2018-08-30
Rated 3 out of 5 by from $100 discount at no point did your online quote system show me the $100 deduction on price nor did you ask me what value I wanted to insure my car
Date published: 2018-08-24
Rated 5 out of 5 by from Easy and simple to use quote. Pass experience with this company has been excellent.
Date published: 2018-08-05
Rated 5 out of 5 by from Change of Insurer We have always insured everything with another insurer, but we have been comparing policies and have now switched our policies over to AAMI as they come due, and we have saved ourselves quite a bit of money, for a better product. Insuring with AAMI on line is easy, and you don't have to answer heaps of questions to get a quote that is more expensive anyway!
Date published: 2018-08-05
Rated 5 out of 5 by from Easy to get a quote and insurance and . . . . wow! Just changed my insurance from another well-known insurer to AAMI via AAMI's website. I was able to alter the excess amount and car value to match my old policy and compare like-for-like. I saved $380 by changing to AAMI. The policies offered on two insurance comparison websites weren't even close to this price.
Date published: 2018-08-04
Rated 1 out of 5 by from $100 cheaper to insure if i change my address to ACROSS THE ROAD Seems crazy that a car insurance policy can differ so greatly when you accidentally put in the address from across the street. same style house, same style driveway, same access to a cul-de-sac yet $100 cheaper than my own house. system needs reviewing.
Date published: 2018-08-02
Rated 5 out of 5 by from Easy to complete proposal Happy with experience as to details required and cover
Date published: 2018-07-20
Rated 5 out of 5 by from Great service For me it is a best place to go with AAMI because it is easy going you can get best values on your choices. So most of my car I’m going with AAMI.
Date published: 2018-07-17
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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.