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Comprehensive Car Insurance

Covers you for damage to your car as well as to other people's vehicles and property.

Lucky you're with AAMI

FREE AAMI Roadside Assist

For a whole year! Take out a new AAMI Comprehensive Car policy and it's yours.

also save $50

when you buy it online

Get a quote

What's included in Comprehensive Car Insurance?


COMPREHENSIVE CAR INSURANCE

$50 OFFnew policies when purchased online

Comprehensive Car Insurance provides cover for your car and damage to other people's cars and property. Third Party Car Insurance just covers the damage you cause to other people's cars and property.

ALL DISCOUNTS AVAILABLE

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Offer ends 10th July 2020. T&C’s apply. Not available in conjunction with other offers.

Policy document downloads

Product Disclosure Statement (PDS)

Explore the Policy Documents

  • Car theft and damage

    You’re covered for damage or loss caused by theft, attempted theft, collision, malicious damage and fire.


  • Damage to other people's vehicles

    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.


  • Accessories and 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 Cover for not at fault and theft

    At AAMI we provide you with a hire car after a no-fault accident (for unlimited days 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.

    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.

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

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Over 45 years insuring Australians

Hear from our customers

What am I covered for?

 What is Comprehensive Car Insurance?

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.

Included Covers

Optional Extras for AAMI Comprehensive Car Insurance

1 Year 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 10th July 2020. T&C’s apply. Not available in conjunction with other offers.

Hire Car

With optional hire car cover, 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 costs until your claim is settled or your car is returned to you.

More about Hire Car

Windscreen & Window Glass Cover

Have your damaged windscreen or window glass repaired or replaced once a year, without having to pay an excess. Includes windscreen, window or sunroof glass.

More about Windscreen & Window Glass

Do I need Comprehensive Car Insurance?

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. **

What AAMI Comprehensive Car Insurance covers

IF YOUR CAR IS
DAMAGED

IF YOUR CAR IS 
STOLEN

Write Off

We consider your car a write off when:

  • It’s stolen and unrecovered after 14 days; or
  • We decide it's uneconomical, impractical or unsafe to repair.

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

Write Off

We consider your car a write off when:

  • It’s stolen and unrecovered after 14 days; or
  • We decide it's uneconomical, impractical or unsafe to repair.

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.

Helping you get a better deal

Increase your excess

Sounds complex but it’s very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.

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 the cover you need.

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.

** 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 exactly what AAMI customers think about our Comprehensive Car Insurance.

Comprehensive Car Insurance is rated 4.6 out of 5 by 3825.
Rated 5 out of 5 by from Easy to follow on line set up Overall experience on line and phone line was very professional
Date published: 2019-05-16
Rated 5 out of 5 by from Great website Very clear and precise instructions - no long words for the sake of it
Date published: 2019-05-16
Rated 5 out of 5 by from Easy to use It was easy to obtain quote and buy insurance online
Date published: 2019-05-09
Rated 5 out of 5 by from So easy getting a quote I am satisfied with the experience , it was easy and had great features and benefits
Date published: 2019-04-30
Rated 5 out of 5 by from easy to use Tools I am very happy with the website tools and the products being offered
Date published: 2019-04-29
Rated 5 out of 5 by from Great service I've never had an issues with aami. Great and easy service
Date published: 2019-04-27
Rated 5 out of 5 by from AAMI are the best!! AAMI make it just so easy, they always come out on top.
Date published: 2019-04-23
Rated 5 out of 5 by from Best priced policy for a major supplier I am happy with the prices and the overall features offered. Far better priced than another insurer I have been with for more the 25 years with more than 20 policies. Voting with my wallet for the AAMI !
Date published: 2019-04-23
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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.

T&C’s apply

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.

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