With AAMI Driver Rewards
Drive safe, get rewarded
Track your driving, score 85+ each month on the 1st then unlock cashback offers from retailers in the AAMI App when you have an eligible AAMI policy – like Car Insurance!*
in.aami.car.all
Get a quote
Get started
mobile
Step 1
Download the AAMI App
Download the AAMI app from the App Store or get it on Google Play.
motor
Step 2
Set up AAMI Driver Rewards and enable permissions
Tap on 'Driver' and follow the prompts to activate your Location and Motion data and set permissions to “always allow”. Drive as normal and keep an eye on your score.
driver
Step 3
Score 85 or more
Eligible customers that hold a driving score of 85 or over on the 1st of each month can unlock monthly cashback offers from participating retailers.
award
Step 4
Link your card and enjoy special offers
Monthly cashback rewards from selected retailers are waiting to be activated. See T&Cs for more. Remember, to access cashback rewards you need to be an eligible AAMI customer and follow the prompts to link your card. Get a quote today.
Latest cashback offers
center
To view all cashback offers from participating retailers download the AAMI App and sign up to AAMI Driver Rewards. Read the terms and conditions for more info.
Download on the App Store
Get it on Google Play
soft
The AAMI Crash Index 2026 results are in
AAMI’s analysed almost 400,000 motor claims to bring you the 2026 AAMI Crash Index, our annual report to help Aussie drivers stay in the know and stay safe on the road. The data tells us that the most common crash type is nose-to-tail, Fridays are the most dangerous day on the road, and mornings are the most common time for prangs. This year we’ve overlayed our crash data with behavioural insights from thousands of motorists using AAMI Driver Rewards technology, via the AAMI App, to uncover how Australians are driving and where they can improve.
Explore AAMI Crash Index results
Explore our Car Insurance cover
motor
Best coverage
Comprehensive Car Insurance
Save $50 off
WITH A FIRST YEAR ONLINE DISCOUNT More about first year online discount
Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.
Get a quote
Learn more
carAccident
Economical
Third Party Property Damage Car Insurance
Save $20 off
WITH A FIRST YEAR ONLINE DISCOUNT More about first year online discount
Cover for damage your car causes to other people’s cars or property.
Get a quote
Learn more
soft
What is AAMI Driver Rewards?
AAMI Driver Rewards is a feature in the AAMI App that lets you track your driving and get rewarded for being a safe driver with cashback offers from participating retailers.
Learn more about AAMI Driver Rewards
Compare our Car Insurance
Whether you want cover for loss or damage your car causes to someone else’s car or property, or you want cover for accidental loss or damage to your car, we have covers for you to choose from. AAMI also offers Compulsory Third Party Insurance, if that’s what you’re looking for instead.
comparison
What we cover
Comprehensive
center
Third Party Property Damage
center
Accidental loss or damage More about Accidental loss or damage
tick
primary
Covered
center
cross
secondary
Not covered
center
Damage to other people's property More about Damage to other people's property
tick
primary
Covered
center
tick
primary
Covered
center
Damage from fire or theft More about Damage from fire or theft
tick
primary
Covered
center
Unless upgrading to Fire Theft & Third Party Property Damage
cross
secondary
Not covered
center
Damage by uninsured drivers More about Damage by uninsured drivers
tick
primary
Covered
center
Up to $5,000
warning
center
Hire car after theft up to 21 days More about Hire car after theft up to 21 days
tick
primary
Covered
center
Unless upgrading to Fire Theft & Third Party Property Damage
cross
secondary
Not covered
center
Hire car after not at fault incident More about Hire car after not at fault incident
tick
primary
Covered
center
Limited
warning
center
Cover for personal property in the car More about Cover for personal property in the car
tick
primary
Covered
center
Unless upgrading to Fire Theft & Third Party Property Damage
cross
secondary
Not covered
center
Third party damage cover for trailer and caravan cover More about Third party damage cover for trailer and caravan cover
tick
primary
Covered
center
tick
primary
Covered
center
After claim expenses More about After claim expenses
tick
primary
Covered
center
cross
secondary
Not covered
center
Towing and storage costs More about Towing and storage costs
tick
primary
Covered
center
Limited
warning
center
New car after total loss if it's less than two years old More about New car after total loss if it's less than two years old
tick
primary
center
cross
secondary
Not covered
center
Hire car after an event for unlimited days More about Hire car after an event for unlimited days
Optional^
primary
center
cross
secondary
Not covered
center
Windscreen and Window Glass Cover More about Windscreen and Window Glass Cover
Optional^
primary
center
cross
secondary
Not covered
center
AAMI Roadside Assist More about AAMI Roadside Assist
Optional^
primary
center
cross
secondary
Not covered
center
^ Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. This information is a summary only. For more info on what is and isn’t covered, including terms, limits, conditions and exclusions, read the relevant Product Disclosure Statement (PDS).
center
Other benefits
vertical
center
AAMI Flexi-Premiums Excess®
AAMI Flexi-Premiums® Excess
AAMI Lifetime Repair Guarantee
Hear from our customers
Over 45 years insuring Australians
in.aami.car.buy
Read all Car Insurance reviews
Looking for something else?
Home Insurance
Product options that cover damage to your home, the things in it, or both.
Explore Home Insurance options
Frequently asked questions
Car Insurance
block
true
suncorp:AAMI/products/motor/car/car-insurance
* Participants must hold and link an active eligible AAMI personal insurance policy in the AAMI App (the following are not eligible policies: QLD and SA Compulsory Third Party, Business/Commercial Insurance, Health Insurance, Life & Income Insurance and Pet Insurance)