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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 31st January 2020. T&C’s 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.

 
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

Compare now

 

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.

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 4627.
Rated 5 out of 5 by from Easier than I thought user friendly An inviting and user friendly experience I was able to work through the process stress less a well constructed program
Date published: 2019-11-30
Rated 5 out of 5 by from Good experience Very easy to obtain a quote and arrange insurance and obtain information re policy
Date published: 2019-11-25
Rated 2 out of 5 by from Could be quicker, particulalrly as I have two other AAMI policies Some questions repetitive. Quotes not competitive.
Date published: 2019-11-22
Rated 5 out of 5 by from Great and quick Pretty happy with outcome and I will recommend friends and neigjbours
Date published: 2019-11-22
Rated 5 out of 5 by from Very simple click click even understandable... Guys please check AAMI before sign up with other insurance... I believe you will find more cheaper and more options... give it a go...
Date published: 2019-11-21
Rated 5 out of 5 by from Easy and cheap I am so happy. It was so quick and easy.. best of all so cheap
Date published: 2019-11-21
Rated 5 out of 5 by from Easy to do Great service and quick to do no problems at all very happy
Date published: 2019-11-20
Rated 5 out of 5 by from Very Easy site to navigate Very happy with the short period of time it takes, no wasted time for a good price.
Date published: 2019-11-18
Rated 5 out of 5 by from Easy to navigate Was a quick and easy quote to do online and a great price that no one else came close to matching. Glad I remembered to give AAMI a try.
Date published: 2019-11-18
Rated 5 out of 5 by from Easier and quick I am happy with aami and strongly recommends to my friends and family. I used aami previously as well. My insurance is also with aami.
Date published: 2019-11-14
Rated 4 out of 5 by from easy but lacking features The only reason I didn't pay online is that I was expecting to be able to add car hire and/or windscreen cover
Date published: 2019-11-13
Rated 5 out of 5 by from VERY EASY SITE TO USE HAD PREVIOUS INSURANCE WITH AAMI THOUGHT iD TRY AND SEE IF i STILL GOT A GOOD DEAL AND i DID
Date published: 2019-11-12
Rated 5 out of 5 by from Easy and quick to complete! Easy to understand, simple interface and no issues with organising our 3rs insurance policy. Oh and a competitive price too!
Date published: 2019-11-07
Rated 5 out of 5 by from very straightforward great value for money .asking me to add an extra 27 characters means that I will only repeat what I have already said
Date published: 2019-11-07
Rated 5 out of 5 by from really easy to get a quote Been with AAMI for years now,never had a problem,awsome :)
Date published: 2019-11-04
Rated 5 out of 5 by from Very easy to complete I would like some discount as I also have a home and contents insurance with AAMI. Otherwise I would be happy as Larry.
Date published: 2019-10-30
Rated 5 out of 5 by from Quick and affordable I’m very happy with online services and prices for new customers.
Date published: 2019-10-29
Rated 5 out of 5 by from Great I liked how easy it was thank you so much for the service
Date published: 2019-10-27
Rated 5 out of 5 by from Great Easy to do and understand . Didn't take long to complete and we weren't bothered with extra sales of things we weren't after .We decided to renew our car insurance with AAMI as we have other policies with AAMI .Thanks very much
Date published: 2019-10-25
Rated 1 out of 5 by from Safe Driver Rewards Hi, I have traded my existing car and will be getting new car tomorrow. i have been with AMI for more than 2 years now.. I would like to get my credits transfered to new policy.... That should be pretty simple and straight forward.. I hope this is taken care and will be given credit for loyalty...
Date published: 2019-10-24
Rated 5 out of 5 by from Quite easy Over all I was very happy with all the help provided
Date published: 2019-10-22
Rated 5 out of 5 by from easy very very happy 50% cheaper....than current supplier
Date published: 2019-10-21
Rated 5 out of 5 by from Do it all online! I love that I can do everything online, and it is so quick and easy. I knew what policy I wanted, and I was able to just plug in all the details and pay within 10 minutes.
Date published: 2019-10-18
Rated 4 out of 5 by from So far so good Easy to use, and got a callback about any questions I had within a couple of days. Staff seem friendly, and the $50 discount was very handy.
Date published: 2019-10-18
Rated 5 out of 5 by from Quicker than I thought Was a breeze to insure my car, cheap too!! Happy with the experience.
Date published: 2019-10-14
Rated 5 out of 5 by from Quick and easy Really happy to choose Aami Insurance very easy to follow and to understand
Date published: 2019-10-13
Rated 4 out of 5 by from easy easy to fill out but found have to give details twice annoying. Details given for quote and the again after deciding to purchase
Date published: 2019-10-08
Rated 5 out of 5 by from Simple! AAMI website is quick and easy. Great way to analyze options without being locked into final screen. Can easily locate options when navigating the system.
Date published: 2019-10-08
Rated 5 out of 5 by from Simple I love AAMi so I am biased. All my personal and company insurance policies are with you guys
Date published: 2019-09-27
Rated 5 out of 5 by from Pricing was amazing I was shopping around for car insurance. I currently have my other car with Suncorp and today I purchased my new car! I could not believe the difference in price and the ease of purchasing. That said, I will be insuring my other car with AAMI once the policy expires! PS. I love your ads!
Date published: 2019-09-25
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Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except ACT CTP), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers that only hold the following insurance policies aren’t eligible for AAMI Lucky Club: ACT CTP, 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.

* The links above will take you to a website owned or operated by Georgie, who is independent of us (Georgie's website). We do not sponsor or endorse any material on Georgie's website, and we make no warranty or representation about any information, products, services, offers or benefits available through that website. Separate terms may apply on the third party Georgie's website and you should read and accept these before proceeding with using Georgie's website. The information above is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it - please make your own enquiries.

Georgie is a registered trading name of Carloans.com.au Pty Ltd ACN 161 036 228 (Licence No. MD27046 (WA); 4200843 (QLD)) which is a wholly owned subsidiary of Eclipx Group Limited ABN 85 131 557 901.

Carloans.com.au Pty Ltd ACN 161 036 228 and Car Buyers Australia Pty Ltd ACN 159 545 758 have a relationship with Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC and its related entities do not have any relationship with the providers of vehicles to Suncorp customers or the purchasers of vehicles pursuant to a trade-in from Suncorp customers via Georgie. If you purchase or trade-in a vehicle via Georgie, PC will receive a referral fee.

The services provided by Georgie are available in Australia only, but may not be available in all locations. Please make your own enquiries.

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 31st January 2020. T&C’s apply. Not available in conjunction with other offers. AAMI Roadside Assist is only available in conjunction with AAMI Comprehensive Car Insurance.

Pressure dents

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Surface scratches

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Bumper bar scrapes

It’s common for bumpers to get scuffed or scraped. Schmick is able to colour-match and blend minor cosmetic scratches, scrapes, dents, and scuffs, so your bumper looks good as new.

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.

Find Out More

The lucky winner will receive return flights to Melbourne*, 4 nights luxury accommodation, $10k prize money, 2 tickets to The 2019 Toyota AFL Grand Final and heaps more.

Here’s how it works:

Entries close 9th September 2019. Prize drawn 11th September 2019.

T&C’s apply

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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