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Comprehensive
 Car Insurance

Repairs We Authorise - Guaranteed for Life

Best Value

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. 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 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.

1 year free AAMI Roadside Assist

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist.

AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing.

  • Offer ends 30th June 2021.
  • Available 24 hours after taking out or adding this optional cover to your policy​.
  • Not available in conjunction with other offers.

View the full T&Cs

what's included

  • Cover for accidental damage
  • Cover for theft or attempted theft
  • Includes accessories & modifications
  • Includes hire car after not-at-fault incidents
  • Includes new for old replacement 
  • AAMI Roadside Assist > 1 Year Free 

Want a little more detail?

Hire car after an incident

With the Optional Cover - hire car after an event, enjoy the convenience of a hire care 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.​

what can you add

  • Hire car after an incident
  • Windscreen & window glass cover

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Policy document downloads

Product Disclosure Document (PDS)

Customer ratings

Customer rewards

AAMI Lucky Club

AAMI Lucky Club lets eligible customers enjoy special offers, access to event perks like priority entry, premium viewing or pre-sales, and everyday discounts on groceries, petrol and more. More about AAMI Lucky Club.

Lucky Club eligibility

Customers with the following AAMI policies are eligible for AAMI Lucky Club via My Account or the AAMI App:

  • Any Car and Vehicle policies
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health (only via My Account)
  • Travel (only via the AAMI App)

What am I covered for?

What’s covered by Comprehensive Car Insurance

Included Covers

Optional Covers

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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

* 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.

** Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

This content applies to new policies and renewal policies with a start date after 14 December 2020.

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.

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. 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 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.

1 year free AAMI Roadside Assist

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist.

AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing.

  • Offer ends 30th June 2021.
  • Available 24 hours after taking out or adding this optional cover to your policy​.
  • Not available in conjunction with other offers.

View the full T&Cs

Hire car after an incident

With the Optional Cover - hire car after an event, enjoy the convenience of a hire care 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.