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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.

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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

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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

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

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 4596.
Rated 5 out of 5 by from Quick insurance for a great price Very pleased with the ease of use of your site for car insurance quote and then policy purchase. Liked the use of personal name in quote progress.
Date published: 2019-09-23
Rated 5 out of 5 by from Easy transaction Extremely happy to insure car with AAMI as choosing any option which is suitable
Date published: 2019-09-21
Rated 5 out of 5 by from Good presentation Would have been nice had you offered a discount with my AAMI Home Insurance.
Date published: 2019-09-20
Rated 4 out of 5 by from Good to be with AAMI I am very happy and proud to be with AAMI. AAMI is what you are looking as an insurer.
Date published: 2019-09-16
Rated 5 out of 5 by from GREAT STAFF Felicity was a great help and so early in the morning !!
Date published: 2019-09-15
Rated 1 out of 5 by from Pain in the neck to sit there idled when wanting to complete payment on line Why does your system pause when the online car insurance process is completed for policy info and not say that you need to wait for an email to launch final details incl payment? Your on line help is lacking in communication skills also
Date published: 2019-09-15
Rated 5 out of 5 by from New car insurance Very quick and easy process. We have dealt with AAMI for many years and their service is still extremely good.
Date published: 2019-09-13
Rated 4 out of 5 by from Easy to get quote and arrange payment later The whole family use Aami for car insurance, we are always happy with the cover and discounted policy price
Date published: 2019-09-12
Rated 2 out of 5 by from Easier than I thought I am very happy & stunned! I will recommend to my friends
Date published: 2019-09-12
Rated 4 out of 5 by from Simple an quick I hate computer work, it this was easy I think. (For an old guy)
Date published: 2019-09-11
Rated 5 out of 5 by from Efficient all round! I always find AAMI to be fair, responsive and cost efficient.
Date published: 2019-09-10
Rated 5 out of 5 by from very competitive price great price and have home as well with you but cant link up email for both on same email
Date published: 2019-09-07
Rated 5 out of 5 by from Great service You make my job easy. You're awesome. You always do what's right Job . Thank you so much I really appreciate AAMI
Date published: 2019-09-03
Rated 4 out of 5 by from Great features I’m happy with aami insurance because have good prices
Date published: 2019-08-31
Rated 5 out of 5 by from so easy to insure on line very happy with the policy details ,have found aami very easy to deal with
Date published: 2019-08-28
Rated 5 out of 5 by from insurance details happy with online service and ease of directions easy to follow
Date published: 2019-08-28
Rated 5 out of 5 by from Great features Great,easy to navigate and transfer from existing insurance
Date published: 2019-08-27
Rated 5 out of 5 by from Claim Very happy how AAMI handled my claim. I was not at fault and it was a smooth process all the way. I was given a hire car whilst my claim was being processed so I was not inconvenienced and left without a car. I was kept up to date with the claim and all questions were answered.
Date published: 2019-08-25
Rated 4 out of 5 by from easy to get a quote I was happy with the product because it was easy to use
Date published: 2019-08-22
Rated 5 out of 5 by from Exemplary insurance company I have found AAMI to be easy to deal with on-line and would have no hesitation in recommending them. Their quotes are very competitive .
Date published: 2019-08-20
Rated 4 out of 5 by from Don't renew, become a new customer Turns out I can save $20 for being a new customer rather than renew my existing policy
Date published: 2019-08-18
Rated 5 out of 5 by from VW Golf GTI By far one of the easiest websites to navigate. Also by shopping around the price to insure the vehicle was significantly less than other insurance providers.
Date published: 2019-08-17
Rated 4 out of 5 by from Great feature Im very happy with the experience I have with aami
Date published: 2019-08-17
Rated 5 out of 5 by from CAR INSURANCE SOOOOO, simple to use and end quote better than others
Date published: 2019-08-12
Rated 5 out of 5 by from Car insurance I am more than happy with the price for full car cover, I already have my business insurance with AAMI so this has made it so much easier
Date published: 2019-08-09
Rated 5 out of 5 by from So easy Such a fast and simple process and great value for money
Date published: 2019-08-06
Rated 5 out of 5 by from Online Application Easy to use online application and provides all of the relevant information also very competitive rates
Date published: 2019-08-05
Rated 5 out of 5 by from Car insurance Was simple to complete and very convenient. Insurance quick.
Date published: 2019-08-04
Rated 5 out of 5 by from Great value Great on-line quote and purchase system. Great value for comprehensive car insurance
Date published: 2019-08-03
Rated 5 out of 5 by from more protection very good products ie: wind screen and window glass cover, road side assistance
Date published: 2019-08-02
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Disclaimer

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.

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.

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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