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AAMI Safe Driver Rewards®

At AAMI, if something happens on the road, we're always looking out for you. But what if nothing happens? Well, we're still looking out for you, with AAMI Safe Driver Rewards®.

Available only with our

AAMI Comprehensive Car Insurance

More about Comprehensive Car Insurance

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More rewarding insurance

With your AAMI Comprehensive Car Insurance policy, you gain extra rewards and benefits for every consecutive year you drive safely with us and don’t make a claim that impacts your Safe Driver Rewards status.

Up to 15% credit

Safe Driver Reward credit*

How you earn rewards

You start on Gold Status when you first take out your policy. Continue to drive safely for a year, and you get a special Safe Driver Rewards credit* when you renew your policy.

After two years, we upgrade you to Platinum. You continue to enjoy a credit for each year of safe driving. Plus a discount when you buy AAMI Roadside Assist.

Then for every year you continue to drive safely, you earn a progressively higher credit as well as AAMI Roadside Assist Discounts, which advances you to Ruby

… then to Sapphire. Keep driving safely and continue to earn higher credit until you reach our highest status Diamond.

Once you've held Diamond for a year, you get the maximum 15% credit and 25% off AAMI Roadside Assist… and, even if you need to make a claim, your Diamond status won't change - known as Safe Driver Rewards Protection - but you won't get the credit that year.

Watch this short video on Safe Driver Rewards

Claims that impact your status

If you make a claim 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 may be affected. Otherwise, your status won't change!

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.

*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 rated premium.

#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+.

Safe Driver Rewards Protection

Well done! Your Diamond status is protected.

That means that if you need to make a claim* that would normally have affected your status, it doesn't! You keep your Diamond status.

*One claim per year

More safe driving initiatives from AAMI

AAMI Safe Driver App™

Prove who's the better driver once and for all with the AAMI Safe Driver App™

  • Free for everyone
  • Track your progress
  • Compete with family & friends
  • Earn rewards
Safe driver app screen view

AAMI Skilled Drivers Course

Our one-day AAMI Skilled Drivers Course is open to under 25s with a P-Plate or full licence.

  • Free if you or your parent or grandparent has a Comprehensive Car Insurance policy with us.
  • 10% discount on Comprehensive Car Insurance for course graduates 
Driver in red car