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Comprehensive Car Insurance
Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.
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Accidental damage
We’ll repair or replace the damaged parts of your car up to your vehicle’s market value (if chosen) or amount covered.
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Weather events
You’re covered for damage caused by storm, hail, fire (including bushfire) or floods.
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Hire car for not-at-fault incidents
If your car is damaged in an incident that wasn’t your fault and you can provide the full details of the at-fault driver and their vehicle, we’ll provide a temporary hire car while repairs are being made. More about hire car for not-at-fault incidents
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Modifications and accessories
Your policy includes the value of any accessories and modifications that are fitted to your car, with no need to list them on your policy. More about modifications and accessories covered
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Damage to other people’s property
If you accidentally damage someone else’s car or property using your car, we’ll cover you for up to $20 million.
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Wear, tear and gradual deterioration
It's your responsibility to keep your car well maintained and in a good, safe and roadworthy condition. A claim may be affected if damage occurs because of lack of maintainance.
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Mechanical and electrical breakdown
Your car isn’t covered for any electrical failure or a mechanical breakdown, except with specific benefits which you can add with optional AAMI Roadside Assist. More about AAMI Roadside Assist
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Wilful damage
We don't cover any intentional acts of damage to your car caused by you or anybody authorised by you to operate your car.
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Theft or damage to an unlocked car
If your car is left unlocked with the keys inside, then any resultant theft or damage won’t be covered.
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Test drives
We don’t cover loss or damage to your car during test drives for private sale unless you or another listed driver are a passenger.
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Unlicensed driving
Your car’s not covered if it’s driven by someone without a valid license, unless you weren’t driving at the time and can establish no knowledge or involvement in the driving or incident.
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Unregistered cars
We don’t cover loss or damage to unregistered cars, unless the cause of the incident was not a result of the car being unregistered.
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This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS).
What's optional
With AAMI, you can add optional covers to your policy for an additional premium – while you're getting a quote, midway through your policy term or at renewal^.
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AAMI Roadside Assist
Get help 24/7 Australia-wide if your car breaks down and you need to be towed. More about AAMI Roadside Assist
Explore Roadside Assist
Windscreen and window glass
Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy.
Explore Windscreen & window glass
Hire car after an incident
Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to.
Explore Hire Car
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Other benefits
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AAMI Flexi-Premium Excess®
Lifetime Repair Guarantee
AAMI Safe Driver Rewards®
Looking for something else?
Third Party Car Insurance
Cover for damage you cause to other people’s car or property.
Explore Third Party Property
Compulsory Third Party (CTP) Insurance
Cover for injuries you cause to other people.
Explore CTP Insurance
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What is Comprehensive Car Insurance?
Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
Frequently asked questions
AAMI Comprehensive Car Insurance
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Disclaimer
^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. Please refer to the PDS for more information.