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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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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.
Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

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. 

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 4501.
Rated 5 out of 5 by from Ease of use Happy to change from existing insurer .Price and package considerations
Date published: 2019-04-01
Rated 5 out of 5 by from Easy simple professional handling This was a simple precise proceedure with no complications thank you
Date published: 2019-03-29
Rated 5 out of 5 by from Easy application Happy with experience highly recommend, friendly to deal with.
Date published: 2019-03-28
Rated 5 out of 5 by from Very easy to get car insurance Very happy with the system, was very easy to navigate and i got my insurance done within 5 minutes
Date published: 2019-03-27
Rated 4 out of 5 by from Impracticable Why could i not login into my account and be offered add new policy instead of having to start outside the account.
Date published: 2019-03-26
Rated 5 out of 5 by from Quick and simple Good experience was recommended by brother and he was right when he said a good insurance to go with
Date published: 2019-03-19
Rated 5 out of 5 by from Easiest website to use The website is simple, explains everything in plain English and is fast and efficient.!
Date published: 2019-03-18
Rated 5 out of 5 by from easy and great very happy with experience in getting quote and payment
Date published: 2019-03-16
Rated 1 out of 5 by from Expensive Expensive and could only insure my car for half its value!
Date published: 2019-03-14
Rated 5 out of 5 by from Easy to use and easy to get into Satisfied as the cover percectly suits my current situation and needs
Date published: 2019-03-14
Rated 5 out of 5 by from Greay features Easy to navigate through the website and questions asked were quick to answer
Date published: 2019-03-14
Rated 5 out of 5 by from Quick cover It was very quick to get the cover on my new car all done in minutes thanks AAMI
Date published: 2019-03-12
Rated 5 out of 5 by from Easy to use The step-by-step click by click system works and is efficient
Date published: 2019-02-22
Rated 3 out of 5 by from Missing questions Very disappointed to find this quote had increased by almost $ 20- since I first asked for a quote a few weeks back . Secondly , I see no mention of a question about existing car insurance policies . I am trading my existing car in , which is also insured with AAMI . I would have thought as a loyalty customer of over 20 years , this would have counted in the price of the quote .
Date published: 2019-02-20
Rated 5 out of 5 by from Car Insurance Simple easy to insure. Would recommend AAMI to anyone. Very competitive price wise
Date published: 2019-02-20
Rated 2 out of 5 by from No option to add policy for existing customer I just took out new policy and I already had existing policy. In the process there was NO option to ask if I were existing customer nor do I know if I received any discounts as I already have existing policy. Also... I had to re-enter all my details again. NOTE: I was already logged into AAMI / One suncorp page and started the new policy quote from there
Date published: 2019-02-18
Rated 4 out of 5 by from They make things easy I have been with AAMI for many years on many different car insurance. Whenever I buy a new car, I always come back to AAMI. They are good
Date published: 2019-02-14
Rated 5 out of 5 by from great claims team I recently had a building damage claim. I got excellent service from the aami claims dept so when my car renewal came in i switched that to ammi too
Date published: 2019-02-13
Rated 2 out of 5 by from How are you managing multiple policies in one family Between my husband and I, we have two cars and two houses insured with AAMI. It would seem this is not recognized and every policy treated individually Would be great for us to see that AAMI does recognise all our business. Is there any incentive for us to put all our insurance needs with you?
Date published: 2019-02-12
Rated 1 out of 5 by from Online quote less than over the phone for existing customer The cost of policies seems to be ad hoc and infinitely flexible.
Date published: 2019-02-10
Rated 5 out of 5 by from Great policy at a great price I’m very happy with the quote and service given by AAMI
Date published: 2019-02-09
Rated 5 out of 5 by from Online quote Easy to do and understand. It was great value for money.
Date published: 2019-02-04
Rated 5 out of 5 by from Easy to use It was very easy to set up a new insurance poly, and no waiting on the phone.
Date published: 2019-02-04
Rated 4 out of 5 by from Easy to use Easy to use and understand, good value for money and a trusted company
Date published: 2019-02-02
Rated 5 out of 5 by from Great way to insure Happy with my experience I had with the features and are reasonably priced
Date published: 2019-02-01
Rated 5 out of 5 by from Great service and value! Easy and quick. I liked the extra offer. Thank you AAMI.
Date published: 2019-01-31
Rated 5 out of 5 by from All good Convenient and straight forward no problems encountered
Date published: 2019-01-24
Rated 5 out of 5 by from A professional process The heuristic features of AAMI's online insurance portal make purchasing insurance an easy and painless experience. In fact it was easier to fill out the insurance form than this survey ;)
Date published: 2019-01-23
Rated 4 out of 5 by from Great online process Happy with the process online for vehicle find and details required
Date published: 2019-01-11
Rated 5 out of 5 by from Car Insurance Claim Very happy with the service for our claim for hail damage to our car. Claim was handled very promptly with good communication. Only bugbear is the question on Date of Birth on the online claim form. Using a tablet this requires the user to use the calendar function and then cycle back to the date of birth. In may case as I'm 65 this required 780 taps to cycle back to my birth date. There does not appear to be an override facility to allow the user to directly enter the date. This is very poor programming.
Date published: 2019-01-03
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* 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.

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.

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