Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
Comprehensive Car Insurance
Save $50 with a first year online discount
Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.
Save $50
Customer ratings
out of 5
What's covered
Hire car for not-at-fault incidents
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.
Mods and accessories
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.
This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)
What's not covered
AAMI Roadside Assist
AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.
This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)
What's optional
AAMI Roadside Assist
AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.
Windscreen and window glass
Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy.
Hire car after an incident
Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to.
Other benefits
Ways to save
Checking a few simple things on your car insurance policy can help you make sure you’re paying what you should be – and not a dollar more.
AAMI Flexi-Premium Excess®
With AAMI Flexi-Premium Excess® you can choose to lower your premium by increasing your excess on eligible policies.
Lifetime Repair Guarantee
The quality of the workmanship and the materials authorised by AAMI in the repair of your car will be guaranteed for its life. How’s that for peace of mind?
AAMI Safe Driver Rewards®
AAMI Safe Driver Rewards®
Safe Driver Rewards® is given as a credit on the renewal premium, calculated as a percentage of last year’s Comprehensive Car Insurance premium amount (prior to the application of any Safe Driver Rewards credit) for your car. 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 with a Skilled Driver Course
AAMI Skilled Driver Course
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.
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. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
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.
AAMI Flexi-Premium 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.
Save $50 with a first year online discount
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
Hire car for not-at-fault incidents
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.
Mods and accessories
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.
AAMI Roadside Assist
AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.
AAMI Safe Driver Rewards®
Safe Driver Rewards® is given as a credit on the renewal premium, calculated as a percentage of last year’s Comprehensive Car Insurance premium amount (prior to the application of any Safe Driver Rewards credit) for your car. 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+.
AAMI Skilled Driver Course
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.