At AAMI we cover all legal modifications and accessories fitted to your car. There’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.
Comprehensive Car Insurance
Lucky you're with AAMI
Our best level of cover
Covers accidental loss or damage to your car, as well as damage your car causes to other people's vehicle and property.
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Comprehensive
Car Insurance
Accessories & modifications
Hire car for not-at-fault accidents
At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for 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 your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series as your car. Where this is not possible we will instead pay the amount covered, less applicable deductions. See the PDS for full details.
what's included
Hire car after an incident
With the Optional Cover - hire car after an event, 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 car costs up to $90 per day until your claim is settled or your car is returned to you.
Windscreen & window glass cover
This Optional Cover 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 incident covered by your policy.
AAMI Roadside Assistance
AAMI Roadside Assist is a dedicated 24/7 emergency roadside assistance service for your car, from a leading emergency assistance provider. Available 24 hours after taking out or adding this optional cover to your policy. It is additionally subject to the AAMI Roadside Assist Terms and Conditions
AAMI Roadside Assist helps you with:
- changing a flat tyre
- towing your car to an accredited repairer
- jump starting or charging a flat battery
- emergency fuel delivery
- lost or locked keys, by spare key delivery or locksmith attendance. Limitations and exclusions apply.
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Customer ratings
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Real Aussies
What is Comprehensive Car Insurance?
Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance, which covers liability for damage your car has caused to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
What am I covered for?
What’s covered by Comprehensive Car Insurance
Included Covers
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Car Theft
Cover for damage or loss caused by theft, attempted theft, collision, malicious damage and fire, up to your vehicle's market value (if chosen) or amount covered.
Market Value
Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
Accidental Damage
If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.
If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.
Accidental Damage
We'll repair or replace the damaged parts of your car up to your vehicle's market value (if chosen) or amount covered if it's damaged accidentally, whether that's in a collision or impact caused by something like a falling tree branch. Learn more
Damage to other people’s property
If you’re in an incident using your car that causes damage to someone else’s car – or other property, like their garden, fence or letterbox – we’ll cover you for up to $20 million.
Accessories and modifications
At AAMI your car insured under your policy includes the value of any accessories and modifications that are fitted to your car. There’s no need to list the accessories and modifications on your policy.
See your PDS for the definitions of car, accessories and modifications.
Not-at-fault hire car
Enjoy the convenience of a hire car that meets your needs when your car's damaged in a not-at-fault accident and can't be safely driven or is in for repairs. Hire Car for at-fault incidents is available as an additional cover.
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 your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series as your car. Where this is not possible we will instead pay you your vehicles market value (if chosen) or amount covered, less applicable deductions. See the PDS for full details.
Lifetime repair guarantee
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee. See the PDS for full details.
Optional Covers
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Hire car after an incident
With the Optional Cover - hire car after an event, 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 car costs up to $90 per day until your claim is settled or your car is returned to you.
Windscreen & Window Glass Cover
This Optional Cover 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 incident covered by your policy.
AAMI Roadside Assist
Add AAMI Roadside Assist to your Comprehensive Car Insurance for 24 hour unlimited roadside callouts in case of emergencies like flat tyres and batteries, lost or locked-in keys, and towing.
Get Australia-wide coverage for less than $86 a year, with no joining fee. Service is available 24 hours after adding AAMI Roadside Assist to your policy. See the T&C's for coverage details, limitations and exclusions
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Smarter ways to lower your premium
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Online discount
Save $50
If you quote and buy a new AAMI Comprehensive Car Insurance policy online, we’ll knock $50 off your premium.
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
Adjust your excess and save
AAMI Flexi-Premiums®
With AAMI Flexi-Premiums®, you can choose to lower your premium by increasing your excess on eligible policies.
We keep it flexible
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 your cover or, you can choose market value cover.
Save on premiums
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.
Up to 10% discount
Skilled Driver Course
Sharpen your skills with the AAMI Skilled Driver Course. Pass the course and receive up to 10% discount on your premium^.
Save up to 15%
AAMI Safe Driver Rewards®
Enjoy extra rewards and benefits for every consecutive year you don’t make a claim, with drivers who don’t make a claim for 10 years receiving up to 15% credit*.
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
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
Comprehensive Car Insurance is just that — comprehensive. It’ll provide you with coverage for a range of insured events such as accidents and theft, as well as weather events like hail, fire and storms. If you’re involved in an accident, your car and property and the other person’s car and property are covered, even if you’re at fault. Third Party Car Insurance, on the other hand, will only cover you for damage you cause to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
AAMI Comprehensive Car Insurance covers you for accidental loss or damage in the event of fire, theft or attempted theft. For more info on what is and isn’t covered, check the PDS.
Yes, AAMI Comprehensive Car Insurance does cover windscreen replacement as standard, but you will need to pay an excess if you claim. You can choose to add Windscreen and Window Glass Cover as an Optional Cover that you pay extra for. If you do, when the only damage to your car is to the windscreen, window glass or sun roof, we cover the repair or replacement cost without you having to pay an excess. One excess free claim only in the period of insurance.
Yep! AAMI Roadside Assist can be added to any AAMI Comprehensive Car Insurance policy. It offers unlimited 24/7 roadside callouts and can help with things like flat batteries, lost keys, and more. Terms and conditions apply.
If you have Comprehensive Car Insurance and your car is assessed to be a total loss or a 'write off' from an incident covered by your policy, then instead of being repaired, the amount your car is covered for will be given as a cash payout (less any deductions).
If your car is less than 2 years old, and you're the first registered owner, we'll replace it with a new car of the same make, model and series (if available within 90 days), or similar if not available. If you choose not to accept the replacement car, or where an agreement cannot be reached between us on a replacement car, or a replacement car cannot be supplied, we will pay you the amount covered on your certificate of insurance (less any deductions). See the PDS for full details.
If you’d like to ensure that an additional driver is covered, you should list them on your policy. If someone who isn’t listed is driving your car and an incident occurs, you may have to pay a higher excess, or you may have your claims denied.
Learner drivers are an exception. If the person supervising them is listed on the policy, the learner driver doesn't need to be. An additional age or inexperienced driver excess may apply though, in the event of a claim.
People with international licences also need to be listed on the policy if they're going to be driving your car regularly. As long as their licence is recognised by the relevant state or territory authority - they can be a listed driver.
AAMI flexi excess is an additional excess payment you can choose, on top of your standard excess, that will kick in if you ever need to make a claim for which excess is payable. That is, a claim for an incident in which you’re at fault or can't provide the details of an at-fault driver.
Agreeing to a flexi premium means you'll have to pay a bit more at claim time, but it also means that your premium payments will be lower.
If you’re using your car less because you’re self-isolating, there are changes you can make to your policy that may reduce your premium. This includes increasing your standard excess if your policy is up for renewal, changing the average kilometres driven listed on your policy. You can do this easily via your My Account by following this step-by-step guide, or by calling 13 22 44.
Each of AAMI’s insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
* 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.
** Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
Find out what our Comprehensive Car Insurance customers think
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.
Market Value
Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
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. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.
Hire car for not-at-fault accidents
At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for 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 your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series as your car. Where this is not possible we will instead pay the amount covered, less applicable deductions. See the PDS for full details.
AAMI Roadside Assistance
AAMI Roadside Assist is a dedicated 24/7 emergency roadside assistance service for your car, from a leading emergency assistance provider. Available 24 hours after taking out or adding this optional cover to your policy. It is additionally subject to the AAMI Roadside Assist Terms and Conditions
AAMI Roadside Assist helps you with:
- changing a flat tyre
- towing your car to an accredited repairer
- jump starting or charging a flat battery
- emergency fuel delivery
- lost or locked keys, by spare key delivery or locksmith attendance. Limitations and exclusions apply.
Hire car after an incident
With the Optional Cover - hire car after an event, 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 car costs up to $90 per day until your claim is settled or your car is returned to you.
Windscreen & window glass cover
This Optional Cover 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 incident covered by your policy.
Accidental Damage
If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.
If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.
