Qld Car Insurance

Queensland has all sorts of great driving destinations, from relaxing rainforest roads to beautiful beachside boulevards. Before you hop in the car, make sure you’re covered.

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Third Party

What car insurance do I need in Queensland?

In Queensland, Compulsory Third Party (CTP) Insurance is attached to the registration of your vehicle and covers car accident-related injury costs for which you may be liable. Once that’s sorted, you should consider coverage for damage to cars and property, with Third Party Property Damage or Comprehensive Car Insurance.

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AAMI Crash Index 2021

Brisbane’s car crash hotspots

Do you know Brisbane’s top crash hotspots? Thanks to our 2021 Crash Index, AAMI Does. Find out which side of the river is the worst for road safety.

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AAMI Car Insurance

Frequently asked questions

AAMI roadside assist

AAMI Roadside Assist is a dedicated 24/7 emergency roadside assistance service for your car, from a leading emergency assistance provider. Available 24 hours after taking out or adding this optional cover to your policy. It is additionally subject to the AAMI Roadside Assist Terms and Conditions

AAMI Roadside Assist helps you with:

  • changing a flat tyre
  • towing your car to an accredited repairer
  • jump starting or charging a flat battery
  • emergency fuel delivery
  • lost or locked keys, by spare key delivery or locksmith attendance.​ Limitations and exclusions apply.

​View the full T&C's

Damage by uninsured drivers

When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.​

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. See the PDS for full details.

Hire car after 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 is 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, the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.

Hire car after an incident

With the Optional Cover - hire car after an event, 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 car costs for a hire that is a similar make or model to your car 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.​

Fire & Theft Cover

The Fire and Theft Cover is a higher level of cover you pay extra for to include cover for fire, theft and attempted theft damage to your car.​