Car Insurance

Comprehensive Car Insurance is just that — comprehensive. It’ll provide you with coverage for a range of insured events such as accidents and theft, as well as weather events like hail, fire and storms. If you’re involved in an accident, your car and property and the other person’s car and property are covered, even if you’re at fault. Third Party Car Insurance, on the other hand, will only cover you for damage you cause to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance covers you for accidental loss or damage in the event of fire, theft or attempted theft. For more info on what is and isn’t covered, check the PDS.

AAMI Comprehensive Car Insurance doesn’t cover windscreen replacement as standard, but you can choose to add Windscreen and Window Glass Cover as an Optional Extra. If you do, your car windows, windscreen and sunroof will be covered in an insured event. What’s more, you won’t have to pay an excess on your first claim each year.

Yep! AAMI Roadside Assist can be added to any AAMI Comprehensive Car Insurance policy. It offers unlimited 24/7 roadside callouts and can help with things like flat batteries, lost keys, and more. Terms and conditions apply.

Learn more about AAMI Roadside Assist.

If you have Comprehensive Car Insurance and your car is assessed to be a total loss or a 'write off' from an insured accident, then instead of being repaired, the amount your car is covered for will be given as a cash payout (less any deductions). If your car is less than 24 months old and you're the first registered owner, we'll replace it with a brand new one of the same make and model (if available within 90 days), or similar if not available. Where this is not possible or we agree to, we will instead pay the amount covered (less any deductions).

See the PDS for full details.

If you'd like to ensure that an additional driver is covered, you should list them on your policy. If someone who isn't listed is driving your car and an incident occurs, you may have to pay an additional excess, or you may have your claim denied.

Learner drivers are an exception. If the person supervising them is listed on the policy, the learner driver doesn't need to be. An additional age or inexperienced driver excess may apply though, in the event of a claim.

People with international licenses also need to be listed as an additional driver if they’re going to be driving your car regularly. As long as they're driving legally - that is, their license is recognised by the relevant state or territory authority - they'll be covered.

To make things simpler for you, AAMI takes care of the entire quote and repair process, using one of our preferred repairers. That means after you've lodged your claim, you can sit back, relax, and let us handle things.

You sure are. Our car insurance policies cover your car whenever it’s driven off-road for private and recreational use. However, you still have to take reasonable precautions to keep your car safe.

Keep in mind that you’re not covered if your car was:

• In an un-roadworthy condition
• Being used in a race, contest, competition, trial, test, hill climb or any motor sport
• Damaged further as a result of it being driven after an incident

No. 'Tools of trade' - meaning tools that are used for business purposes - are not covered by our car insurance policies. Check out AAMI Business Insurance to find out more.

Two-wheel trailers attached to your car are covered by Comprehensive Car Insurance. As long as it’s attached to your car when the incident happens, we pay up to $1,000 for accidental damage. Theft of your attached trailer is also covered.

AAMI flexi excess is an additional excess payment you can choose, on top of your standard excess, that will kick in if you ever need to make a claim for which excess is payable. That is, a claim for an incident in which you’re at fault or can't provide the details of an at-fault driver.

Agreeing to a flexi premium means you'll have to pay a bit more at claim time, but it also means that your premium payments will be lower.

Yes, with limits.

When you get a quote, we'll offer a price that we think your car sits within. You can select a value from within that range, and that value will become your sum insured. That is, it’s the most we'll pay to repair or replace your car if you ever make a claim.

If you’re using your car less because you’re self-isolating, there are changes you can make to your policy that may reduce your premium. This includes increasing your standard excess if your policy is up for renewal, changing the average kilometres driven listed on your policy. You can do this easily via your My Account by following this step-by-step guide, or by calling 13 22 44.