Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Comprehensive Car Insurance

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

Lucky you're with AAMI

Buy comprehensive car insurance for your chance to win

$10,000 CASH

Get a quote for your chance to win. Hold or purchase an eligible policy for five entries! Find out more.

Get a quote     T&C's apply

What's included in Comprehensive Car Insurance?


$50 OFFnew policies when purchased online

Comprehensive Car Insurance provides cover for your car and damage to other people's cars and property. Third Party Car Insurance just covers the damage you cause to other people's cars and property.


Get a quote

Policy document downloads

Product Disclosure Statement (PDS)

Explore the Policy Documents

  • 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.

  • Accessories and 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

    Enjoy the convenience of a hire car when your car’s damaged in a not-at-fault accident and can’t be safely driven. Hire Car for at-fault incidents is available as an optional extra.

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.

Still not sure which car insurance is for you? See a detailed comparison or get a Comprehensive Car Insurance quote online now.

AAMI Comprehensive Car Insurance


Get 24/7 Australia-wide roadside assistance if your car breaks down, gets a flat battery or flat tyre, you’re locked out of your car or lose your car keys, run out of fuel, or need to be towed. Offers roadside callouts for less than $86 a year.

Terms and conditions apply.


With optional hire car cover, enjoy the convenience of a hire car when your car’s out of action because of an incident, even if it’s your fault. We’ll cover reasonable hire costs until your claim is settled or your car is returned to you.

Terms and conditions apply.


Have your damaged windscreen or window glass repaired or replaced once a year, without having to pay an excess. Includes windscreen, window or sunroof glass.

Terms and conditions apply.

Customer Rewards

Eligible AAMI customers could save an average of $850* a year on food, fuel and more with Suncorp Benefits, while enjoying enhanced experiences across entertainment, sport and more with AAMI Lucky Club.

Eligible AAMI customers

Eligible AAMI customers who hold the following AAMI policies are eligible for both AAMI Lucky Club and Suncorp Benefits:
• Any Car and Vehicle policies, except ACT CTP
• Home and/or Contents, including Landlord and Strata
• Life
• Income Protection

AAMI customers with a Health Insurance policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits.
AAMI customers with a SA CTP policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits. Please call 13 22 44 for assistance.

$850* a year

Suncorp Benefits customers can save up to 15% off eGift Cards from over 100 retailers.

To access Suncorp Benefits, log in to your account or download the Suncorp App and link an eligible policy.

*Savings based on average monthly household spending of:

  • Food and drinks $1,076
  • Clothing and footwear $176
  • Fuel $164
  • Household furnishings $232

Data obtained from ABS Household Expenditure data 2015-16, using a 4% discount on food and drinks and 5% discount on other items. Please note that individual circumstances may vary and affect the amount that can be saved.

Suncorp benefits

AAMI Lucky Club

To access AAMI Lucky Club, log in or register with an eligible policy.

AAMI customers with the following AAMI policies are eligible for AAMI Lucky Club:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health


AAMI customers with the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

More for AAMI customers

What AAMI Comprehensive Car Insurance covers




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.

Helping you get a better deal

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 in one go! If you pay your premium annually, you won’t pay as much as if you pay in monthly instalments.

* The links above will take you to a website owned or operated by Georgie, who is independent of us (Georgie's website). We do not sponsor or endorse any material on Georgie's website, and we make no warranty or representation about any information, products, services, offers or benefits available through that website. Separate terms may apply on the third party Georgie's website and you should read and accept these before proceeding with using Georgie's website. The information above is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it - please make your own enquiries.

Georgie is a registered trading name of Pty Ltd ACN 161 036 228 (Licence No. MD27046 (WA); 4200843 (QLD)) which is a wholly owned subsidiary of Eclipx Group Limited ABN 85 131 557 901. Pty Ltd ACN 161 036 228 and Car Buyers Australia Pty Ltd ACN 159 545 758 have a relationship with Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC and its related entities do not have any relationship with the providers of vehicles to Suncorp customers or the purchasers of vehicles pursuant to a trade-in from Suncorp customers via Georgie. If you purchase or trade-in a vehicle via Georgie, PC will receive a referral fee.

The services provided by Georgie are available in Australia only, but may not be available in all locations. Please make your own enquiries.


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
  • y_2019, m_8, d_20, h_10
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasreviews, tv_95, tr_3730
  • loc_en_AU,, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_aami
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 147ms


Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except ACT CTP), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers that only hold the following insurance policies aren’t eligible for AAMI Lucky Club: ACT CTP, Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873 (Loyalty Corp). To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. Full Terms and Conditions are available here. Use of Suncorp Benefits is subject to the operator’s privacy policy.

Find Out More

The lucky winner will receive return flights to Melbourne*, 4 nights luxury accommodation, $10k prize money, 2 tickets to The 2019 Toyota AFL Grand Final and heaps more.

Here’s how it works:

Entries close 9th September 2019. Prize drawn 11th September 2019.

T&C’s apply

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

Got a question?

Ask the AAMI Virtual Assistant