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Vehicle & Car
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CTP Insurance
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With all new pet insurance policies.
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Covers you for damage to your car as well as to other people's vehicles and property.
Lucky you're with AAMI
For a whole year! Take out a new AAMI Comprehensive Car policy and it's yours.
also save $50
when you buy it online
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.
Real Aussies
AAMI Lucky Club
Eligible AAMI customers can enjoy great discounts at heaps of Aussie retailers, and unique experiences at a range of events. 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:
What am I covered for?
Comprehensive Car Insurance provides cover for your car and damage you may accidentally cause to other people’s cars and property, plus a few extra covers. This is different from Third Party Car Insurance, which just covers the damage you cause to other people’s cars and property.
You’re covered for damage or loss caused by theft, attempted theft, collision, malicious damage and fire.
You’re covered for accidental loss or damage to your vehicle including natural events such as hail, storm, flood or bushfire.
For damage to someone else’s vehicle or property, we’ll insure you for up to $20 million. For damage to your car we’ll insure you for the amount you covered your car for.
Yes, you’re covered even if the damage is caused by an uninsured driver and it’s their fault.
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.
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.
If your car’s less than 2 years old and you’re the first registered owner, we replace it with a new car.
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.
If it suits your budget, Comprehensive Car Insurance is definitely worth considering. It covers damage to your own car from a range of events, while Third Party Property Damage is designed to cover your liability for damage you cause to other people’s 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. **
IF YOUR CAR IS
DAMAGED
Our goal is always to get you back on the road as fast as we can - safely.
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.
If your car’s not safe to drive, we tow it to one of our repair facilities.
Yes, you’re covered even if the damage is caused by an uninsured driver and it’s their fault.
To make things simpler for you, AAMI takes care of the entire quote and repair process, using one of our preferred repairers. That means after you've lodged your claim, you can sit back, relax, and let us handle things.
You sure are!
Our car insurance policies cover your car while it’s driven off-road. However, the driver must take reasonable precautions to keep the car safe.
Check the PDS for a full list of conditions, but keep in mind that you’re not covered if your car was:
For incidents where you are not at fault, we’ll keep you on the road with a hire car until your claim is settled or your car is returned to you. You can also enjoy the convenience of a hire car, even if it’s your fault by adding on Hire Car as an optional extra.
IF YOUR CAR IS
STOLEN
If your car is stolen, we’ll keep you on the road with a hire car until your claim is settled or your car is returned to you, up to a maximum of 21 days. You can also enjoy the convenience of a hire car for all types of claims by adding on Hire Car as an optional extra.
If your car’s found, we tow it to one of our repair facilities for a check over.
If your car’s not recovered within 14 days of us approving your claim, we pay you the amount you covered it for.
Write Off
We consider your car a write off when:
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.
IF YOUR CAR IS
WRITTEN OFF
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.
If we determine your car can’t be repaired, we pay you the amount you covered your car for.
If your car’s less than 2 years old and you’re the first registered owner, we replace it with a new car.
Write Off
We consider your car a write off when:
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.
Sounds complex but it’s very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.
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 in one go! If you pay your premium annually, you won’t pay as much as if you pay in monthly instalments.
** 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.
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.
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.
