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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.

 
COMPREHENSIVE CAR
INSURANCE

 $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

THIRD PARTY PROPERTY
DAMAGE

 $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

ROADSIDE ASSIST

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.

HIRE CAR

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.

WINDSCREEN & WINDOW GLASS COVER

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.

Mobile Cosmetic CAR Repairs

Schmick logo 

Keep your car looking showroom Schmick!

Get those small scratches, scuffs and dents fixed with a Schmick SELECT Membership - designed exclusively for the Suncorp Network. Keep your car looking pristine with cost-effective and convenient minor car repairs.

Find out more about Schmick

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 4462.
Rated 2 out of 5 by from Missed Opportunity I have three private vehicles comprehensively insured with AAMI. Unfortunately AAMI has not provided or offered a loyalty discount for two or more vehicles so Ill be wasting time looking around for a better deal.:-((
Date published: 2018-10-20
Rated 2 out of 5 by from Entering date of birth is cumberfsome Product is fine, as I have always insured my cars with AAMI. Feedback here is mostly about experience with the website to complete the transaction, particularly using roller to enter the DOB for both drivers. It takes too long as it requires too many clicks to enter the date, month and year for both drivers. The default is current day and month, which makes no sense, because no one born today would be taking an insurance policy to insure a car. Scrolling down the system offers an alternate date around 1920. From then on you have to click to scroll down from 2018, or up from 1920. Too many clicks when I could have entered the date much quicker.
Date published: 2018-10-15
Rated 5 out of 5 by from Fast and friendly help when lodging a claim AAMI has been very professional with our claim when our vehicle burnt to the ground through no fault of ours. AAMI settled the claim quickly to enable us to purchase a replacement vehicle, and they organised removal of the burnt out vehicle. This took a lot of worry off our shoulders. Thank you
Date published: 2018-10-11
Rated 5 out of 5 by from Getting a quote and purchasing a product The AAMI experience has been great. After reviewing quite a few options - AAMI is the way to go with third party car insurance.
Date published: 2018-10-10
Rated 1 out of 5 by from 1 hr wait to get 1 question answered through your call center I'm very happy with online experience but unfortunately the call center experience was unpleasant.
Date published: 2018-10-09
Rated 5 out of 5 by from Making it easy and value Thank you for the easy online experience and cover that I believe is value for money.
Date published: 2018-10-05
Rated 1 out of 5 by from shocking phone service when trying to pay a quote over phone csr good not see i was authorised on my wifes policy to discuss it. i have spoken to people there at least 6 times over the last year about th epolicy and there has never been an issue finding after my wife out me on the file as someone who can discuss all elements of our current policy that we were trying to "extend" with a new online quote. even spoke to someone 3 hours ago there and there was no issue. csr could not fnd the quote number i quoted. she could not understand it was a quote i was calling about and not a renewal. she asked me three times if i wanted to pay the renewal. i tried to explain to her 4 times i wanted to pay a new quote - i gave up on her and told her we would call back tomorrow. instead i went back on line, got a new online quote and today i was able to pay that one as opposed to last nights quote that i couldn't. either i was speaking to a new csr or someone that needs extra (re-)training. And i certainly don't have time for this poor level of trained service
Date published: 2018-09-28
Rated 5 out of 5 by from pleasant, no pressure the person i spoke to was fair dinkum and the quote was better than other companies
Date published: 2018-09-27
Rated 3 out of 5 by from AAMI quote were easy but 'buggy' the retrieve a quote facility didnt work on either quote I added
Date published: 2018-09-27
Rated 5 out of 5 by from EASY PROCESS RETURN CUSTOMER EASY PROCESS,GOOD PRICE,HAVE USED AAMI PREVIOUSLY
Date published: 2018-09-27
Rated 2 out of 5 by from Disapointed I chose not to renew my policy and instead went through a new quote. when i done a fresh quote i saved approx $50. I knew that my driving offense becoming older than 3 year would drop my insurance yet AAMI didn't take that into account when offering me my renewal. This is very disapointing considering they have this information in there system. Do better AAMI, Car's are expensive enough!
Date published: 2018-09-26
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
Rated 5 out of 5 by from easy to do on line I was very happy with the way they payed out on my car and now have renewed with a new car so easy to do on line thankyou
Date published: 2018-07-17
Rated 5 out of 5 by from Good I’m happy to inshore with aami with good price and hope that I go will
Date published: 2018-07-16
Rated 4 out of 5 by from That Time Great Price Hope it is as good next year..........
Date published: 2018-07-16
Rated 5 out of 5 by from suites my needs at this age I DO ALREADY HAVE HOUSE INSURANCE WITH YOU THOUGHT TIS MAY AUTOMATICALLY CONNECT BUT MAYBE NOT YET DO ALSO HAVE 3 OTHER VEHICLES THAT MAYBE WILL BECOME INVOLVED AS REQUIRED
Date published: 2018-07-14
Rated 5 out of 5 by from Wonderful Experience! The experience I just had with taking out insurance was fantastic! It is always quite daunting doing something like this. You need it to be just nice and simple and easy. Sometimes an experience like this can seem very complicated, and hard to understand. Well, AAMI made the experience nice and easy to understand! Lucky I'm with AAMI!
Date published: 2018-07-05
Rated 3 out of 5 by from Car Insurance I couldn't see where I got $100 off for going with AAMi Policy didn't ask if I already had policies with AAMI
Date published: 2018-07-04
Rated 3 out of 5 by from Premium I obtained a quotation. Didnt chance anything except the date to commence and the system charged me an extra 60dollars..
Date published: 2018-06-30
Rated 5 out of 5 by from ease of use of web site your competitive rate with the car insurance including road side assists makes a mockery of a certain club that charges more for the insurance and wants a separate fee for road side assist
Date published: 2018-06-30
Rated 2 out of 5 by from Expensive This is an expensive insurance / cover - you need to do better in order to keep my business
Date published: 2018-06-27
Rated 1 out of 5 by from Feeling ripped off. I received my annual renewal (with AAMI) in the mail and wasn't happy with the price. I went through the online process to get a new policy through AAMI again and found it was $96 cheaper. Why would AAMI not look after their existing customers? Feel a little cheated, but in the end AAMI was the best price so i guess i'm staying with them for now.....
Date published: 2018-06-26
Rated 5 out of 5 by from Awesome AAMI I've got both my cars and home insured through AAMI and their service, products and customer service is awesome. Keep up the good work team AAMI.
Date published: 2018-06-21
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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.