We've got you well covered
Car theft and accidental damage
Rest easy, we’ve got you covered for damage or loss caused by theft, attempted theft, collision, malicious damage and fire, and natural events such as hail, storm, flood or bushfire.
Damage to other people’s vehicles and property
You’re also covered for damage to someone else’s vehicle or property up to $20 million.
Help with emergency costs
Up to $500 towards emergency travel and accommodation if your car’s not safe to drive and you’re more than 100km away from home. Plus up to $500 for emergency repairs to get you home or to a repairer.
This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
If your car is
Our goal is always to get you back on the road as fast as we can - safely.
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.
If your car’s not safe to drive, we tow it to one of our repair facilities.
If you drive your car to our repair facility, we pay for a taxi to get you from there to home or work and back.
Yes, you’re covered even if the damage is caused by an uninsured driver and it’s their fault.
If your car is
We keep you on the road with a hire car until your car’s returned undamaged or repaired, to a maximum of 21 days.
If your car’s found, we tow it to one of our repair facilities for a check over.
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
If your car’s not recovered within 14 days of us approving your claim, we pay you the amount you covered it for.
If your car is
If your car’s less than 2 years old and you’re the first registered owner, we replace it with a new car.
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’.
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.
Wait, there's more!
Windscreen and window glass cover
Get your damaged windscreen or window glass (including sunroof) repaired or replaced, with no excess on your first claim each year.
The convenience of a hire car - similar to yours - right up until repairs are completed, your stolen car's returned or we confirm your car's unrepairable.
Comprehensive Car Insurance
Learner drivers are covered on your car insurance policy as long as a fully licensed driver is in the car as the instructing passenger in the front seat. No additional premium is required. Age/Inexperienced excess may still apply if the learner driver has an accident.
Helping you get a better deal
Smart ways to lower your premium
Increase your excess
Sounds complex but it’s very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.
Choose your 'Amount Covered'
You can choose the amount you want to cover your car for, within a range we provide, so you’re in control of the cover you need.
Pay it in one go! You can save with us by choosing to pay your policy annually, since paying in monthly instalments costs a bit more.