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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


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.


 $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.
  • 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.


 $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.


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

AAMI Comprehensive Car Insurance


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. 


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. 


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. 

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 4652.
Rated 4 out of 5 by from Can I add my husband's car insurance to our other AAMI policies? Just moved my husband's car insurance over to AAMI, can it be added to our home insurance and my car insurance?
Date published: 2020-01-07
Rated 5 out of 5 by from Very user friendly I am very happy with my on line experience. Easy to complete from start to finish.
Date published: 2020-01-05
Rated 5 out of 5 by from User friendly web site Excellent online transaction. Easy to follow instructions.
Date published: 2020-01-04
Rated 5 out of 5 by from Easier than what I expected Very happy with the website And the insurance AAMI always the best insurance even after moving
Date published: 2020-01-02
Rated 4 out of 5 by from I did not see any option to pay by the month like i usually do. I did not see any option to pay by the month like i usually do. I can not fit a lump sum of $775 into my monthly budget, thank you.
Date published: 2020-01-02
Rated 5 out of 5 by from Easier than I thought All good very easy to follow. What else can I say. A. Happy
Date published: 2020-01-02
Rated 5 out of 5 by from Online Process The process was straightforward and quite fast unlike other quotes I obtained
Date published: 2020-01-01
Rated 1 out of 5 by from Expensive Stupid that you can reload the webpage to get better deals but when you call they dont. Definately feel I am getting ripped off.
Date published: 2020-01-01
Rated 5 out of 5 by from Effortless I'm extremely happy with my past and current experiences
Date published: 2019-12-31
Rated 4 out of 5 by from Okay I am okay with the experience. Not sure what to write.
Date published: 2019-12-30
Rated 4 out of 5 by from Ease of use Ease of use, exceptional! Value - excellent! Reviews - 4 ☆
Date published: 2019-12-29
Rated 5 out of 5 by from Simple and straightforward Great experience. The menu was simple to follow and complete
Date published: 2019-12-26
Rated 4 out of 5 by from Simple and easier to go through I happy with their customer service, easy to buy policies and and cancel as well. Friendly staffs. Good value of the property or asset
Date published: 2019-12-25
Rated 5 out of 5 by from Easier than i expected Very happy with the experience i had today while getting qoute & purchase
Date published: 2019-12-25
Rated 1 out of 5 by from did not process $50 off my quote online the quote system online advised I would get a $50 discount but did not process the discount in the final quote .
Date published: 2019-12-22
Rated 5 out of 5 by from easy to pay and is cheaper than other insurers for shore happy with my insurers and is easy to complete for me
Date published: 2019-12-20
Rated 4 out of 5 by from MMMM.... I remember a few months ago the price seemed to be more than 100 less than it is now. It felt a little expensive...Your don't mind if I to be honest,right?
Date published: 2019-12-12
Rated 4 out of 5 by from Lucky I am with AAMI My comprehensive quote was a little on the high end but I will have to just deal with that. AAMI was my insurer on my last car and the cover note saved me a lit of money! Repairs were average but I didn't complain as it was a second hand car. My current car was smashed in the back recently smooth sailing the whole way up until when I had to pick up my car. Where the car was scratched all over and the repairs were not done at all. Still waiting on th e outcome of the second repairs...fingers crossed.
Date published: 2019-12-10
Rated 5 out of 5 by from Simple on line process and competitive price The on line process was simple, the information was clearly set out and the cost was competitive.
Date published: 2019-12-09
Rated 5 out of 5 by from Easy & Excellent AAMI are always my preferred insurer. Fantastic Service.
Date published: 2019-12-08
Rated 5 out of 5 by from Much easier than others and great value too I have a make of car that has a long list of factory options - AAMI covers them all without my having to remember them all and tick the correct boxes. The quote and excesses are excellent.
Date published: 2019-12-06
Rated 5 out of 5 by from Excellent online service We have been with AAMI for some time and have recently purchased another car. Our experience with AAMI, and the very competitive quote along with the range of inclusions, all clearly spelled out on the website, made our decision very easy.
Date published: 2019-12-04
Rated 4 out of 5 by from Where is the reward for loyalty years of insuring with AAMI, why am i still able to obtain a cheaper price by starting an new policy online than for being a loyal customer and paying my renewal. And this time around it is with 12 months free roadside assist !!!!
Date published: 2019-12-04
Rated 5 out of 5 by from Always the best value. I've been insured with AAMI for 40 years. For both car and home insurance. Every year I get quotes with all the major insurers and AAMI is always the cheapest and best value. I have had about 10 car accident claims, normally not at fault by the way, just saying, lol. The claims are always handled quickly, in a friendly manner and no stress, with guaranteed results, and to the highest standard of repair. Once again this year, AAMI are the best value insurance in Australia.
Date published: 2019-12-03
Rated 4 out of 5 by from easy to deal with at a stressful time I had an accident in my car and AAMI were very helpful when I made enquiries about the PROGRESS OF MY CLAIM
Date published: 2019-12-02
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
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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 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. 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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