What claims impact my Safe Driver Rewards Status?

If you make a claim such as where the driver of your car caused or contributed to the damage, or you can't give us the details of the driver that was at fault, your Safe Driver Rewards status will bump back by a status level. Otherwise, your status won't change!

With Safe Driver Rewards Protection, which you earn at Diamond status, you can make one claim per year without impacting your status. However, you won’t receive a Safe Driver Rewards credit at the next renewal. But , you’ll still be entitled to discount off optional AAMI Roadside Assist.

For more information, check out the Additional Information Guide.

What are Safe Driver rewards?

For each consecutive year you drive safely and renew your AAMI Comprehensive Car Insurance policy without making a claim that affects your Safe Driver Rewards status, you get rewarded. There are two benefits: a Safe Driver Rewards credit, and a discount off optional AAMI Roadside Assist.

The Safe Driver Rewards credit starts at 2.5% after your first renewal and increases up to 15%* once you reach Diamond status. This is a percentage of the previous year’s premium which is applied as a credit to next year’s premium*. The credit increases as you progress through the AAMI Safe Driver Rewards program. The optional Roadside Assist discount starts at 5% after reaching Platinum status, and can reach up to 25%# at Diamond status. This is so long as you don’t make a claim that impacts your Safe Driver Rewards status. 

Safe Driver Reward protection

With Safe Driver Rewards Protection, which you earn at Diamond status, you can make one claim per year without impacting your status. However, you won’t receive a Safe Driver Rewards credit at the next renewal. But, you’ll still be entitled to discount off optional AAMI Roadside Assist.

Diamond Reward Status

year 10

15% Safe Driver Reward Credit   25% Roadside Assist Discount

year 9

10% Safe Driver Reward Credit   25% Roadside Assist Discount

Safe Driver Reward protection

Sapphire Reward Status

year 8

10% Safe Driver Reward Credit   15% Roadside Assist Discount

year 7

7.5% Safe Driver Reward Credit   15% Roadside Assist Discount

Ruby Reward Status

year 6

7.5% Safe Driver Reward Credit   10% Roadside Assist Discount

year 5

5% Safe Driver Reward Credit   10% Roadside Assist Discount

Platinum Reward Status

year 4

5% Safe Driver Reward Credit   5% Roadside Assist Discount

year 3

2.5% Safe Driver Reward Credit   5% Roadside Assist Discount

Gold Reward Status

year 2 - first renewal

2.5% Safe Driver Reward Credit

Existing Customer? View your rewards!

My account

Get a new quote to qualify for Year 1 Gold Rewards status

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*Maximum 15% credit is for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+. Credit is a percentage of the rated premium paid the previous year and is applied as a credit to next year's premium. "Rated premium” means the premium before Safe Driver Rewards credits.

#Maximum 25% discount is for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 9 years+. Taxes and charges (like GST and stamp duty) are not discounted.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination also available. 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.

Safe Driver Rewards

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View all AAMI Answers

What claims impact my Safe Driver Rewards Status?

If you make a claim such as where the driver of your car caused or contributed to the damage, or you can't give us the details of the driver that was at fault, your Safe Driver Rewards status will bump back by a status level. Otherwise, your status won't change!

With Safe Driver Rewards Protection, which you earn at Diamond status, you can make one claim per year without impacting your status. However, you won’t receive a Safe Driver Rewards credit at the next renewal. But , you’ll still be entitled to discount off optional AAMI Roadside Assist.

For more information, check out the Additional Information Guide.

Safe Driver Reward protection

With Safe Driver Rewards Protection, which you earn at Diamond status, you can make one claim per year without impacting your status. However, you won’t receive a Safe Driver Rewards credit at the next renewal. But, you’ll still be entitled to discount off optional AAMI Roadside Assist.