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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
& A FOOTY GETAWAY FOR TWO

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?


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.

ALL DISCOUNTS AVAILABLE

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.

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.

OPTIONAL EXTRAS FOR
AAMI Comprehensive Car Insurance

ROADSIDE ASSIST

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.

More about Roadside Assist

HIRE CAR

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.

More about Hire Car

WINDSCREEN & WINDOW GLASS COVER

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.

More about Windscreen & Window Glass

YOU ALSO GET
Customer Rewards

Eligible AAMI customers can save around $1,100 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 SA and 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 that only hold the following insurance policies aren’t eligible for either program:

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

$1100 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 spending figures of a couple with one child aged 5-14 with household monthly spend of:

  • Food and drink $1,486
  • Clothing and footwear $256
  • Fuel $144

Data obtained from the Family Households and Broad Expenditure Groups from Canstar Blue and ABS Household Expenditure data 2015-16.

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

Man and dog in car boot

SCHMICK

Keep your car looking showroom Schmick!

Get those small scratches, scuffs and dents fixed with a Schmick SELECT Membership - designed exclusively for the Suncorp Network. Keep your car looking pristine with cost-effective and convenient minor car repairs. 

More about Schmick Scratch & Dent Assist

Four people in a cafe

GEORGIE

Ready to upgrade your wheels?

Looking for an easier way to buy a new car? Rather than spend your Saturday visiting dealerships, you can now test drive cars at your home or office. We've teamed up with the car sourcing specialists Georgie to find your perfect car at the best price.

More about Georgie*

What AAMI Comprehensive Car Insurance covers

IF YOUR CAR IS
DAMAGED

IF YOUR CAR IS 
STOLEN

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.

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.

Get a quote

* 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 Carloans.com.au 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.

Carloans.com.au 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 Great to save the money I am glade to join to AAMI. It is the best value and so comfy to us (my husband & me). Thanks.
Date published: 2019-04-19
Rated 4 out of 5 by from Love the 'Pay later' option! Great offer that allows customers to re-think options! However, it would be great if made more obvious - I heard about it from a friend, wasn't sure it is there until I actually asked for the quote.
Date published: 2019-04-18
Rated 5 out of 5 by from Absolutely brilliant service The quality of service and pricing I have received from AAMI staff has been nothing short of excellent and prices very competitive. Such a breath of fresh air in the environment we now live in
Date published: 2019-04-15
Rated 5 out of 5 by from EASY! very user friendly, GREAT VALUE FOR MONEY, EASY TO CHOOSE FROM
Date published: 2019-04-15
Rated 1 out of 5 by from Faulty webpage I've spent a long time keying in all the data to purchase a policy and now the webpage won't accept my email address. It says I've already got a policy under that address so I need to use a different one. I can go no further. What a nonsense. And what a disincentive to having several policies with AAMI.
Date published: 2019-04-13
Rated 5 out of 5 by from Good Experience I have had nothing but dead ends and problems whilst I have been shopping around for the best deal and coverage for my new car and also trying to find short term coverage for my outgoing car as didn't want to commit to a full year again with that as I was trading it in...AAMI was exactly what I was looking for, the on-line quote & purchasing was the easiest I have done, price was great and the policy is just right. Thank you :-)
Date published: 2019-04-10
Rated 5 out of 5 by from Very good to deal with Very happy with the experience easy online access to insurance
Date published: 2019-04-08
Rated 4 out of 5 by from easy to find The website was easy to navigate and the choices were easy to select
Date published: 2019-04-04
Rated 5 out of 5 by from Ease of use Happy to change from existing insurer .Price and package considerations
Date published: 2019-04-01
Rated 5 out of 5 by from Easy simple professional handling This was a simple precise proceedure with no complications thank you
Date published: 2019-03-29
Rated 5 out of 5 by from Very easy to get car insurance Very happy with the system, was very easy to navigate and i got my insurance done within 5 minutes
Date published: 2019-03-27
Rated 4 out of 5 by from Impracticable Why could i not login into my account and be offered add new policy instead of having to start outside the account.
Date published: 2019-03-26
Rated 5 out of 5 by from Easiest website to use The website is simple, explains everything in plain English and is fast and efficient.!
Date published: 2019-03-18
Rated 5 out of 5 by from easy and great very happy with experience in getting quote and payment
Date published: 2019-03-16
Rated 1 out of 5 by from Expensive Expensive and could only insure my car for half its value!
Date published: 2019-03-14
Rated 5 out of 5 by from Greay features Easy to navigate through the website and questions asked were quick to answer
Date published: 2019-03-14
Rated 5 out of 5 by from Quick cover It was very quick to get the cover on my new car all done in minutes thanks AAMI
Date published: 2019-03-12
Rated 5 out of 5 by from Easy to use The step-by-step click by click system works and is efficient
Date published: 2019-02-22
Rated 3 out of 5 by from Missing questions Very disappointed to find this quote had increased by almost $ 20- since I first asked for a quote a few weeks back . Secondly , I see no mention of a question about existing car insurance policies . I am trading my existing car in , which is also insured with AAMI . I would have thought as a loyalty customer of over 20 years , this would have counted in the price of the quote .
Date published: 2019-02-20
Rated 2 out of 5 by from No option to add policy for existing customer I just took out new policy and I already had existing policy. In the process there was NO option to ask if I were existing customer nor do I know if I received any discounts as I already have existing policy. Also... I had to re-enter all my details again. NOTE: I was already logged into AAMI / One suncorp page and started the new policy quote from there
Date published: 2019-02-18
Rated 4 out of 5 by from They make things easy I have been with AAMI for many years on many different car insurance. Whenever I buy a new car, I always come back to AAMI. They are good
Date published: 2019-02-14
Rated 5 out of 5 by from great claims team I recently had a building damage claim. I got excellent service from the aami claims dept so when my car renewal came in i switched that to ammi too
Date published: 2019-02-13
Rated 2 out of 5 by from How are you managing multiple policies in one family Between my husband and I, we have two cars and two houses insured with AAMI. It would seem this is not recognized and every policy treated individually Would be great for us to see that AAMI does recognise all our business. Is there any incentive for us to put all our insurance needs with you?
Date published: 2019-02-12
Rated 5 out of 5 by from Great policy at a great price I’m very happy with the quote and service given by AAMI
Date published: 2019-02-09
Rated 5 out of 5 by from Online quote Easy to do and understand. It was great value for money.
Date published: 2019-02-04
Rated 5 out of 5 by from Easy to use It was very easy to set up a new insurance poly, and no waiting on the phone.
Date published: 2019-02-04
Rated 4 out of 5 by from Easy to use Easy to use and understand, good value for money and a trusted company
Date published: 2019-02-02
Rated 5 out of 5 by from Great way to insure Happy with my experience I had with the features and are reasonably priced
Date published: 2019-02-01
Rated 5 out of 5 by from Great service and value! Easy and quick. I liked the extra offer. Thank you AAMI.
Date published: 2019-01-31
Rated 5 out of 5 by from All good Convenient and straight forward no problems encountered
Date published: 2019-01-24
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Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except SA and 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: CTP (SA and ACT), Business, Pet, Travel.

Suncorp Benefits is operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873, available to eligible Suncorp Network brand customers. Use of Suncorp Benefits is subject to its Terms and Conditions and 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.

AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and ACT CTP Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI.

AAMI Life Insurance, AAMI Income Protection and Accidental Injury Insurance are issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) other than the Redundancy Benefit which is issued by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is  part of the Suncorp Group. Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Asteron is authorised to use the AAMI brand. The different entities of TAL and Suncorp are not responsible for, or liable in respect of, products and services provided by the other. AAI trading as AAMI does not provide any financial product advice in relation to AAMI Life Insurance, Accidental Injury and Income Protection (except in relation to the Redundancy Benefit) (Life Products). Any advice on this page in connection with the Life Products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (SIV), for which SIV receives commission.

Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL's authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) (Ventures) under the AAMI brand); and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Ventures are authorised representatives of PetSure. PIPL and PIPL's authorised distribution partners (including Ventures) will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.

Registered Office, Level 28, 266 George St, Brisbane QLD 4000. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.

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