Comprehensive Car Insurance

Comprehensive Car Insurance

Covers you for damage to your car as well as to other people's vehicles and property. Plus much more!

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We've got you well covered

Giving you peace of mind

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.

Easy. fast. 24/7

Paperless claims

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I received quality, accurate advice and was assessed on time. I was referred to quality repairer which resulted in my car being repaired.

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars Customer Rating

by Lockness from Sydney Metro NSW on Comprehensive Car Insurance

Reviews managed and sourced by BazaarVoice.


If your car is


If your car is 


If your car is
written off

Write Off

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.

Amount Covered

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!

Optional extras



24/7 Roadside Assist

Whether it’s a flat tyre or a breakdown, enjoy unlimited service calls and emergency repairs 24/7 for less than $7 per month.

Find out 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.


Hire Car

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.

We reward you for safe driving

Drive safely and get rewarded with AAMI’s Comprehensive Car Insurance

Comprehensive Car Insurance

Frequently asked questions

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 annually

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.