Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

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!

Select a type of insurance policy

Get a quote

or are you

Looking for something else

Compare Car Insurance Products

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)

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

Eligible AAMI customers can save around $1,100 a year* on food, fuel and more with Suncorp Benefits, while enjoying enhanced experiences across entertainment, sport and more with AAMI Lucky Club.

Eligible AAMI customers

Eligible AAMI customers who hold the following AAMI policies are eligible for both AAMI Lucky Club and Suncorp Benefits:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection

AAMI customers with a Health Insurance policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits.

AAMI customers that only hold the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

$1100 a year

Suncorp Benefits customers can save up to 15% off eGift Cards from over 100 retailers.

To access Suncorp Benefits, log in to your account or download the Suncorp App and link an eligible policy.

*Savings based on average spending figures of a couple with one child aged 5-14 with household monthly spend of:

  • Food and drink $1,486
  • Clothing and footwear $256
  • Fuel $144

Data obtained from the Family Households and Broad Expenditure Groups from Canstar Blue and ABS Household Expenditure data 2015-16.

Suncorp benefits

AAMI Lucky Club

To access AAMI Lucky Club, log in or register with an eligible policy.

AAMI customers with the following AAMI policies are eligible for AAMI Lucky Club:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health

 

AAMI customers with the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

More for AAMI customers

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

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles
View all AAMI Answers

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.

Car Insurance is rated 4.6 out of 5 by 4546.
Rated 2 out of 5 by from okay it never asked me about accessories or modifications! which the car does indeed have. then at the end when i went to summary, it said I had said there were no accessories or modifications! i did the quote 3 times and it never had anywhere for me to enter in the accesories. can you please contact me about this so i can be ssured the car is covered for what it is worth.
Date published: 2019-07-06
Rated 5 out of 5 by from Luckyyyyy.......I am with AAMI! Thanks AAMI Thanks AAMI Thanks AAMI Thanks AAMI Thanks AAMI
Date published: 2019-07-04
Rated 5 out of 5 by from Quick, easy, cheap car insurance Great online service with a discount for doing this!! Brilliant!
Date published: 2019-07-04
Rated 5 out of 5 by from Simple, no annoying phone calls, and cheapest Applying for comprehensive car insurance with AAMI was so easy. I could consider the quote in my own time, without being bombarded with phone calls and emails, and the quote ended up being the cheapest for a few hundred dollars.
Date published: 2019-07-04
Rated 5 out of 5 by from Easy to follow The first time I've used the Internet for this I hope I have done it correctly Dee was very helpful thankyou
Date published: 2019-07-03
Rated 4 out of 5 by from renewal horror get on line experience but was horrified to learn that i was uninsured since may 19. we had a policy with aami and don't recall getting a reminder notice via email and therefore have been uninsured. please check our records and send proof or otherwise that a reminder was sent out in time for may 19 renewal please.
Date published: 2019-07-02
Rated 5 out of 5 by from Great features It was quick and easy to get car insurance. Would like to have home insurance when my insurance with real insurance is going to expire.
Date published: 2019-07-01
Rated 4 out of 5 by from Value after 20% discount; house ins with aami See above. Previous not at fault claim repair experience excellent, Jan 2016
Date published: 2019-07-01
Rated 3 out of 5 by from Dara helpful. Wish I didn't have to use up my expensive printer ink just to get the policy receipt and details.Don't really want a colour glossy of all those smiling models.
Date published: 2019-06-28
Rated 5 out of 5 by from Easy transaction Excellent service and quick to fill in forms. easy to understand questions
Date published: 2019-06-28
Rated 5 out of 5 by from Easy on-line application So easy to take out AAMI car insurance, great competitive premium with good payment options.
Date published: 2019-06-26
Rated 5 out of 5 by from Great features! My husband and I are very happy with our experience. We just purchased a new car and on top of that our day to day expenses along with a newborn. We love that we were able to get a policy and pay later. Thank you for that it helps a lot.
Date published: 2019-06-25
Rated 3 out of 5 by from No discount offered for someone who currently has multiple policies I have several policies with AAMI - 3 cars, a caravan, house contents, yet when I went to add my new car it did not ask me if I had other policies and did not offer any multi policy discount.
Date published: 2019-06-24
Rated 5 out of 5 by from Good cover Very happy with experience I had.Was very easy to follow
Date published: 2019-06-24
Rated 5 out of 5 by from Great Features Great on-line service, very easy service to access, great features and competitively priced. Also my experience when speaking on the phone to AAMI was professional, friendly and confident.
Date published: 2019-06-21
Rated 1 out of 5 by from Renewal My policy was up for renewal. Compared the quote I received from AAMI to an online quote through AAMI. I discovered I would pay a $187 less online. I rang and asked if AAMI would honor their quote, they told me it was already reduced and it couldn't be reduced further. The discount applied was a gold driving status, a poor discount of $25. I have been with AAMI for for 8 years with 3 policies (Car, Motorbike, Contents) End result, I canceled the policy and brought the online version. I was able to cover my car for a high valve with windscreen and roadside and still save money.
Date published: 2019-06-16
Rated 5 out of 5 by from Easy as! A very fast and simple process with flexible options to choose.
Date published: 2019-06-14
Rated 5 out of 5 by from Very easy Very happy navigating through the site, very easy and user friendly.
Date published: 2019-06-12
Rated 5 out of 5 by from Comprehensive Car Ins Very easy site to work with, good policy with good options
Date published: 2019-06-07
Rated 5 out of 5 by from Contents / Car Insurance In One Amazing so quick great service easy access to web page thank you
Date published: 2019-06-02
Rated 5 out of 5 by from She is easy AAMI's PC seller is very simple & very easy to use.
Date published: 2019-05-30
Rated 5 out of 5 by from Simplicity Easy, not complicated quick and a happy satisfied customer.
Date published: 2019-05-28
Rated 5 out of 5 by from Its a great time to be with AAMI. It's my first time that I insure my car with AAMI it's my pleasure..
Date published: 2019-05-26
Rated 5 out of 5 by from Quick and easy Easy to use and understand and a great price for comprehensive.
Date published: 2019-05-25
Rated 2 out of 5 by from Irritating Buying online policy is such a pain. After providing all the information it asks me to call customer support
Date published: 2019-05-24
Rated 4 out of 5 by from Simple. Easy to obtain insurance Great work. Easy to understand. All worked out in minutes
Date published: 2019-05-24
Rated 5 out of 5 by from Easy access I am very happy with easy service with no complicated documentation
Date published: 2019-05-21
Rated 5 out of 5 by from Easy to follow on line set up Overall experience on line and phone line was very professional
Date published: 2019-05-16
Rated 5 out of 5 by from Great website Very clear and precise instructions - no long words for the sake of it
Date published: 2019-05-16
Rated 5 out of 5 by from Easy and straightforward So easy to deal with and cheap results compared to others
Date published: 2019-05-10
  • y_2019, m_7, d_17, h_6
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.12
  • cp_2, bvpage2n
  • co_hasreviews, tv_116, tr_4430
  • loc_en_AU, sid_in.aami.car.buy, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_aami
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 360ms
  • REVIEWS, PRODUCT

Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except SA and 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: CTP (SA and ACT), Business, Pet, Travel.

Suncorp Benefits is operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873, available to eligible Suncorp Network brand customers. Use of Suncorp Benefits is subject to its Terms and Conditions and 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.

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.

Got a question?

Ask the AAMI Virtual Assistant