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Comprehensive
 Car Insurance

Best Value

Accessories & modifications

At AAMI 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.

Hire car for not-at-fault accidents

At AAMI we provide you with a hire car after a no-fault accident with another car (for unlimited days until your car is repaired and returned, or your claim is settled) if you can provide full details of the at fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

New for old replacement

If your car's less than 2 years old and you're the first registered owner, if your car is stolen or damaged, and we agree to pay your claim as a total loss, where possible we'll replace it with a new car. Where this is not possible or we agree to, we will instead pay the amount covered, less applicable deductions. See the PDS for full details.

what's included

  • Cover for accidental damage
  • Cover for theft or attempted theft
  • Cover for damage by uninsured drivers
  • Includes accessories & modifications
  • Includes hire car after not-at-fault incidents
  • Includes new for old replacement 

Want a little more detail?

1 year free AAMI Roadside Assist

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist. AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing. Offer ends 10th July 2020. T&C's apply. Not available in conjunction with other offers.

Car hire for unlimited days

With optional hire car cover, enjoy the convenience of a hire car when your car's out of action because of an incident covered under your policy. We’ll cover reasonable hire costs until your car is repaired and returned to you, or your claim is settled. Some exclusions apply, refer to the PDS for full conditions.

Windscreen & window glass cover

This optional extra means you'll pay no excess on one claim per year for repairs or replacement of your windscreen, window glass or sunroof when damaged by an insured event.

what can you add

  • AAMI Roadside Assist > 1 Year Free
  • Car hire for unlimited days
  • Windscreen & window glass cover

Save $50
When you buy a new policy online

Get a quote

Policy document downloads

Product Disclosure Document (PDS)

Customer ratings

What am I covered for?

What’s covered by Comprehensive Car Insurance

Included Covers

Optional Extras

Helping you get a better deal

Smarter ways to lower your premium

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Do I need Comprehensive Car Insurance?

You should consider your own circumstances and the type of cover you may need. Comprehensive Car Insurance covers damage to your own car from a range of events, while Third Party Property Damage is designed to only cover your liability for damage you cause to other people’s vehicle or property. Coverage for damage to your car from fire and theft can be added to Third Party Property Damage Car Insurance, but other events would still not be covered. Please read the PDS for more information.**

AAMI Comprehensive Car Insurance
Frequently asked questions

* Safe Driver Rewards credit is a percentage of the Comprehensive Car Insurance rated premium paid the previous year and is applied as a credit to next year’s rated premium. Maximum 15% credit is for drivers who don’t make a claim on their Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+.

^ Up to 10% discount off the rated premium of your AAMI Comprehensive Car Insurance when a listed driver under the age of 25 has completed the AAMI Skilled Driver Course. Discount applied until the first renewal on or after the participant turns 25 as long as the participant remains a listed driver on the policy.

** Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

 

Find out exactly what AAMI customers think about our Comprehensive Car Insurance.

Comprehensive Car Insurance is rated 4.6 out of 5 by 3825.
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 to use It was easy to obtain quote and buy insurance online
Date published: 2019-05-09
Rated 5 out of 5 by from So easy getting a quote I am satisfied with the experience , it was easy and had great features and benefits
Date published: 2019-04-30
Rated 5 out of 5 by from easy to use Tools I am very happy with the website tools and the products being offered
Date published: 2019-04-29
Rated 5 out of 5 by from Great service I've never had an issues with aami. Great and easy service
Date published: 2019-04-27
Rated 5 out of 5 by from AAMI are the best!! AAMI make it just so easy, they always come out on top.
Date published: 2019-04-23
Rated 5 out of 5 by from Best priced policy for a major supplier I am happy with the prices and the overall features offered. Far better priced than another insurer I have been with for more the 25 years with more than 20 policies. Voting with my wallet for the AAMI !
Date published: 2019-04-23
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Eligible Policies

AAMI Flexi-Premiums® are available on the following products:

  • Comprehensive Car Insurance
  • Home Building Insurance
  • Home Contents Insurance
  • Landlord Insurance
  • Strata Insurance
  • Comprehensive Motorcycle Insurance
  • Third Party Motorcycle Insurance
  • Caravan Insurance

Third party damage or loss

If you, or someone authorised by you, causes loss or damage to someone else’s car or property we’ll cover the resulting costs.
The most we’ll pay for any one incident is $20 million.

Conditions and exclusions apply. Please see the PDS for details.

Damage by uninsured drivers

We’ll cover damage to your car caused by a range of incidents, including damage caused by uninsured drivers.

You may be liable to pay excess if you can’t provide the name, address and registration number of the other driver, or if we determine that you were at fault.

Conditions and exclusions apply. Please see the PDS for details.

Theft

If your car is stolen, we’ll cover the cost to replace it, up to your amount covered.

We’ll also cover the cost of repairing damage caused by attempted theft.

Conditions and exclusions apply. Please see the PDS for details.

Damage

We’ll cover for you accidental loss or damage caused to your car by an incident in the period of insurance.

Examples of such incidents include:

  • Hail
  • Storm
  • Fire
  • Malicious damage or vandalism
  • Collision

The most we’ll pay is the amount covered as shown on your certificate of insurance.

Conditions and exclusions apply. Please see the PDS for details.

Accessories & modifications

At AAMI 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.

Hire car for not-at-fault accidents

At AAMI we provide you with a hire car after a no-fault accident with another car (for unlimited days until your car is repaired and returned, or your claim is settled) if you can provide full details of the at fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

New for old replacement

If your car's less than 2 years old and you're the first registered owner, if your car is stolen or damaged, and we agree to pay your claim as a total loss, where possible we'll replace it with a new car. Where this is not possible or we agree to, we will instead pay the amount covered, less applicable deductions. See the PDS for full details.

1 year free AAMI Roadside Assist

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist. AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing. Offer ends 10th July 2020. T&C's apply. Not available in conjunction with other offers.

Car hire for unlimited days

With optional hire car cover, enjoy the convenience of a hire car when your car's out of action because of an incident covered under your policy. We’ll cover reasonable hire costs until your car is repaired and returned to you, or your claim is settled. Some exclusions apply, refer to the PDS for full conditions.

Windscreen & window glass cover

This optional extra means you'll pay no excess on one claim per year for repairs or replacement of your windscreen, window glass or sunroof when damaged by an insured event.

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