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What car insurance do I need in SA?

As part of the car registration process in SA, you’ll need to choose a provider for your Compulsory Third Party (CTP) Insurance, which covers costs that arise from injuries caused by car accidents. Once that’s taken care of, consider coverage for damage to cars and property, with Third Party Property Damage or Comprehensive Car Insurance.

Customers rate our Car Insurance

Here’s why our customers like AAMI

24/7 claims

Need to claim? Get the ball rolling online or over the phone, any time.

The AAMI App

Easily manage your insurance from your phone. Update policy details, make and track claims, renew policies and more! Find out more.

Opportunities to save

Receive discounts for purchasing online, Safe Driver Rewards2, AAMI Flexi-Premiums®3, and more.

AAMI Crash Index 2021

Adelaide’s car crash hotspots

Do you know Adelaide’s crash hotspots? Thanks to our 2021 Crash Index, AAMI Does. Find out whether the north or the south side takes the crash crown.

What am I covered for?

Car Insurance coverage checker

Choosing the right sort of car insurance for your needs and budget is a lot simpler if you know what each one covers.

Comprehensive Car Insurance

Market Value

Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.

Accidental Damage

If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.

If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.

Third Party Property Car Insurance

This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement).

SA CTP Insurance

Specified Injuries

Car insurance articles

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Skip the queue with My Account

Jump online any time! Depending on your policy type, you can make a claim, update your policy, check your docs and more.

AAMI Car Insurance
Frequently asked questions

1 Safe Driver Rewards credit is a percentage of the Comprehensive Car Insurance rated premium paid the previous year and is applied as a credit to next year’s rated premium.

2 AAMI Flexi-Premiums® is available for Comprehensive Car, Home Building, Home Contents, Landlord, Strata, Comprehensive Motorcycle, Third Party Motorcycle and Caravan Insurance only. Minimum premiums apply and any reduced premiums won’t go below the minimum.


Find out exactly what AAMI customers think about our Car Insurance.

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. Where this is not possible we will instead pay the amount covered, less applicable deductions. 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 (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.

Hire car after an incident

With the Optional Cover - hire car after an event, enjoy the convenience of a hire care when your car’s out of action because of an incident, even if it’s your fault. We'll cover reasonable hire car costs 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 description

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.​

Driver Protection Cover Eligibility

Driver Protection Cover (DPC) is only available on a Passenger Vehicle (Vehicle Class 1 and 51) or Goods Carrying: Light Vehicle (Vehicle class 2 and 52). Drivers under the age of 25 years that do not have comprehensive insurance with AAMI or another brand within the Suncorp Group are not eligible for DPC.

To find out more about the terms and conditions that apply to DPC, read the AAMI SA CTP Driver Protection Cover Policy Document.

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