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Third Party Car Insurance

Third Party Car Insurance covers the basics including damage to other people’s vehicles and property.

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What is Third Party Car Insurance and what's included?

Third party car insurance offers cover for damage caused to someone else’s vehicle or property if you’re liable for it. It can also, for an additional premium, include cover for loss of, or damage to, your car caused by fire or theft. It is different to Compulsory Third Party Insurance.

THIRD PARTY CAR INSURANCE

$20 OFFnew policies when purchased online

Third Party Property Damage Car Insurance just covers damage you cause to other people's vehicles and property. It's different from Compulsory Third Party Insurance (also known as 'CTP or 'Green Slip'), which only covers your liability to pay compensation for injuries to other people.

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Policy document downloads

Product Disclosure Statement (PDS)

 

  • Damage to other people's vehicles and property

    Rest easy, we’ve got you covered up to $20 million if your car damages someone else’s vehicle or property.

  • Damage by uninsured drivers

    You’re also covered up to $5,000 for damage to your car by an uninsured driver at fault.

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.

OPTIONAL EXTRA FOR
AAMI Third Party Car Insurance

FIRE AND THEFT COVER

The Fire and Theft Cover optional extra upgrades your policy to include cover against fire, theft and attempted theft damage to your car.

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 car’s insured for.

It’s the maximum amount we’ll pay for loss or damage to your car caused by an insured incident.  The amount is shown on your certificate of insurance and includes GST.

  • Car Theft

Hire car

We keep you on the road with a hire car until your car’s returned undamaged or repaired, to a maximum of 21 days.

Hire car for up to 21 days

Replacement Keys

Up to a value of $1,000.

Replacement keys and recording of locks

Personal items

Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)

Up to $500 for personal items

Your car deserves the best

Comprehensive Car Insurance

Everything above, plus...

  • Accidental damage to your car – even when it’s your fault
  • Choose a larger amount to cover your car for
  • Optional 24/7 roadside assistance - with AAMI Roadside Assist
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$50 off Comprehensive Car when you buy online

Customer Rewards

AAMI Lucky Club

Eligible AAMI customers can enjoy great discounts at heaps of Aussie retailers, and unique experiences at a range of events. More about AAMI Lucky Club.

Lucky Club eligibility

Customers with the following AAMI policies are eligible for AAMI Lucky Club via My Account or the AAMI App:

  • Any Car and Vehicle policies
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health (only via My Account)
  • Travel (only via the AAMI App)

Personal items

Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)

Replacement Keys

Up to a value of $1,000.

Hire car

We keep you on the road with a hire car until your car’s returned undamaged or repaired, to a maximum of 21 days.

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 car’s insured for.

It’s the maximum amount we’ll pay for loss or damage to your car caused by an insured incident.  The amount is shown on your certificate of insurance and includes GST.

AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI.

AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the AAMI brand under license.
Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 will be issued by Asteron Life and Superannuation Limited, ABN 87 073 979 530, AFSL 229880 (Asteron). Suncorp Group is a distributor of products issued by Asteron and TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement.

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL's authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) (Ventures) under the AAMI brand); and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Ventures are authorised representatives of PetSure. PIPL and PIPL's authorised distribution partners (including Ventures) will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.

Registered Office, Level 28, 266 George St, Brisbane QLD 4000. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.

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