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.
Comprehensive Car Insurance
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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What's covered
Hire car for not-at-fault incidents
Modifications 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
With AAMI, you can add optional covers to your policy for an additional premium at any stage – while you're getting a quote, midway through your policy term or at renewal^.
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
An AAMI Flexi-Premiums Excess® is an excess you can choose to add to eligible policies, on top of your standard excess. This is the additional amount that you’ll need to pay when making a claim where an excess is payable such as a claim for an incident where you’re at fault or can’t provide the details of the at-fault driver.
Choosing a higher AAMI Flexi-Premiums Excess® lowers your premium, but you’ll need to pay more in the event of a claim.
Disclaimer
^Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.
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.
Modifications 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.
Update policy
Need to update your policy before you pay? Or don't have your Payment Reference Number handy? With My Account you can:
* limit of $5,000 for online payments.
1 FYI, if the premium payment for your policy is overdue, you won’t be able to edit it before paying.
Update policy
Need to update your policy before you pay? Or don't have your Payment Reference Number handy? With My Account you can:
Quick renewal
Just need to renew your policy, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:
If the payment is successful, the premium will be debited from your payment card. You should see your account updated within 2 business days.
Quick payment
Just need to pay your excess, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:
If the payment is successful, it will be debited from your payment card. You should see your account updated within 2 business days.
AAMI App
Manage your policy
Want to make payments while on the go? With the AAMI App you can:
AAMI App
Manage your policy
Want to make payments while on the go? With the AAMI App you can:
Check amount covered
In most cases, the replacement value of cars decrease over time, but in recent years, due to increased costs and constrained supply, we have seen some cars increase in value. As such, your amount covered will be automatically changed to reflect this.
You can increase or decrease your amount covered, within a specified range, and your premium will change accordingly.
You can also choose to insure your vehicle for Market Value. This will change your premium.
Refer to the PDS for details.
Kilometres driven
When you took out your policy, you would've given us an estimate of how much you drive your car in a year, and that figure informs your premium price. Usually, a higher estimate results in a higher premium, since your'e at greater risk of an incident. If you find yourself driving a lot less then you estimated, maybe because you're working from home or walking to the shops rather than driving, you can log in and adjust this figure. Doing so may reduce your premium a little.
Review listed drivers
Listing additional drivers on your policy can alter your premium, depending on their details and claims history. For example, if you have a teenager who used your car when they started driving but has since bought their own, they may no longer need to be listed. If you decide to remove them, your premium might be reduced.
Your address
If you've moved, make sure your address is updated on your policy. Your location can affect your premium, based on that location's level of risk, so your address being updated can result in your payments being adjusted. Fair warning; that adjustment can reduce your premium, or it may result in an increase. Either way, you'll ensure you're not at risk of having a claim denied or reduced due to incorrect address details.
Eligible policies
Eligible policies include Comprehensive Car Insurance.
Your excess
With AAMI Flexi-Premiums®, you can choose to lower your premium by increasing your excess This'll mean that, while your monthly or yearly premium is cheaper, you'll face more out-of-pocket costs if you make a claim where you're liable to pay an excess. Whether that trade-off is worth it is totally up to you, but it's worth considering.
Updating your details
You may need to update your address, or record a change of car ownership. If so, just get in touch with Service NSW online or call 13 77 88.
To update vehicle driver details or driving history, give AAMI a call on 13 22 44.
Mon–Fri, 8am–6pm NSW time
Sat & Sun, 8am–4pm NSW time
PRN
You can find your Payment Reference Number on your AAMI Renewal Notice.
Payment Reference Number
This can be found in the payment slip of the insurance notice or correspondence you received from us.
Email address
Please enter a valid email address. This is where we’ll send your payment receipt.
BPay Help
How was I provided the BPay infomation?
Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.
Where is the BPay information located?
I still need assistance?
If you cannot locate the payment reference number please call our contact centre for assistance.
13 22 44
24 hours / 7 days a week
Business Insurance Biller Code
Note that the AAMI Business Insurance biller code is different to AAMI Personal Insurance, e.g. Car and Home Insurance.
How was I provided the BPay infomation?
Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.
Where is the BPay information located?
I still need assistance?
If you cannot locate the payment reference number please call our contact centre for assistance.
13 22 44
24 hours / 7 days a week
Register a Pet Insurance account
Quick renewal
Just need to renew your policy, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:
If the payment is successful, the premium will be debited from your payment card. You should see your account updated within 2 business days.
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.