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’.
See our Cookie & Data Policy for more details.
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An excess is the amount that you have to pay for each insured incident when you make a claim. When you make a claim we may require you to pay the excess or we may deduct the excess from any payment we make to you. We will tell you when and how the excess is to be paid or deducted. When one or more excesses apply to your policy, they will be shown on your certificate of insurance or in your PDS.
When your building and contents at the one address are insured with AAMI on the same policy and your claim is for loss or damage to both your contents and your buildings, only the higher of your flexi-premium building excess or flexi-premium contents excess is payable (plus any other excess that applies).
You can save on your Home Building and Contents premium, as well as your Comprehensive Car or Motorcycle insurance premium, with AAMI’s Flexi-Premiums. When you choose a higher flexi-premium excess, your premium will be lower.
A standard excess applies to all claims unless otherwise stated in the PDS. However, with AAMI’s Flexi-Premium Excess® you can choose to set an increased excess which will reduce your premium. You can add a Flexi-Premium® Excess to your existing car insurance policy at any time.
AAMI has made it easy for you to update most of your policy details online, including your car registration, how you use your car, additional drivers, your contact information, and more.
Simply log in to your AAMI account and click the ‘My policy list’ link. This will take you to a list of your AAMI policies, where you can click on the link to ‘Update my policy’.
You must list anyone you know or expect will use the car regularly, or only from time to time during the period of insurance. That means anyone who is likely to drive your car more than once throughout the policy period (except learner drivers, who don’t need to be listed).
Your premium is calculated based on the drivers you list, including their age, gender, and driving history. If you don’t list additional drivers, it means we can’t provide the proper insurance that all the drivers of your car need. It also means that if someone who isn’t listed is driving when an incident occurs, you may have to pay a higher claim excess, your claim may not be paid in full, or it may not be paid at all. So if you’re in doubt, list them.
Yes, they can. As long as the road traffic authority in the state or territory they drive your car in recognises their international licence, and the driver complies with their licence conditions, they're fully covered!
But remember, if they're going to drive your car regularly, you must list them on your policy as an additional driver.
You sure are. Our car insurance policies cover your car whenever it’s driven off-road for private and recreational use. However, you still have to take reasonable precautions to keep your car safe.
Keep in mind that you’re not covered if your car was:
We’re sorry you’re thinking of cancelling. For policy cancellations or to discuss your situation further, please call us on 13 22 44. If you do cancel, you may qualify for a refund for the unexpired portion of the premium less our cancellation fee and any non-refundable government charges (if applicable).
Because we cover all legal modifications and accessories fitted to your car, there’s usually no need to list them on your policy. Just ensure the amount you cover your car for is enough to also include the value of all the insured accessories and modifications.
AAMI’s mobile app takes you through the steps of lodging a claim, allowing you to gather details at the time of the incident, take and upload photos directly, and track your claim as it progresses. It’s available both on the Apple Store for iOS devices and on Google Play for Androids. If you don’t have the app, you can also conveniently lodge your claim online. You’ll need the information of all drivers, passengers, and witnesses involved in the incident. That’s full names, registration details, addresses, and contact numbers. If you’ve taken photos at the time of the incident, have them ready, too. Finally, it’s helpful to have your AAMI car insurance policy number on hand when you begin to lodge your claim too.
To make things simpler for you, AAMI can take care of the entire quote and repair process for you. That means after you’ve lodged your claim, you can sit back, relax, and let us handle things.
Up until 19 June 2018, or the first time you renew after that date, you can choose to get a quote from a repairer you know. You’ll still need to obtain a second quote from one of our recommended repairers, to make sure you’re getting the most competitive and complete quote possible.
If we authorise your repairer they can go ahead, but if we don’t and you’d still like to use them, we can pay the amount we would have paid if our recommended repairer had completed the job. However, this will mean the lifetime repair guarantee we usually offer won’t apply.
Don’t stress – there’s no need to update your policy to include a learner driver. They’re automatically covered under your insurance policy, as long as there’s an insured, licensed driver in the front passenger seat with them when they’re driving.
If a learner is driving at the time of an incident, an inexperienced driver or age excess of $400 will apply.
No, your AAMI car insurance policy only applies when you drive in Australia.
No. 'Tools of trade' - meaning tools that are used for business purposes - are not covered by our car insurance policies. Check out AAMI Business Insurance to find out more.
Two-wheel trailers attached to your car are covered by Comprehensive Car Insurance. As long as it’s attached to your car when the incident happens, we pay up to $1,000 for accidental damage. Theft of your attached trailer is also covered.
If your car is assessed to be a total loss or a ‘write off’ from an insured accident, then instead of being repaired, the amount your car is covered for will be given as a cash payout (less any deductions). If your car is less than 24 months old, we’ll replace it with a brand new one of the same make and model.
To make your life easier, AAMI offers several flexible ways to pay for your car insurance. This includes online with your debit or credit card, using BPAY, over the phone, and even at your nearest Australian Post Office. Check out all your options for paying your car insurance policy.
We consider your car a write off when:
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:
This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading
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.