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Vic Car Insurance

Whether you’ve lived in Victoria all your life or have just moved there (welcome!), AAMI can help you make sure your car insurance is sorted.

Not from Victoria?

Lucky you're with AAMI

buy a new policy online & get

$50 off



$20 off

Third Party

What car insurance do I need in Victoria?

You’ll need Compulsory Third Party (CTP) Insurance to cover injury-related costs, but it’s bundled into your rego. So, with that taken care of, you just need to consider coverage for damage to cars and property with Third Party Property Damage or Comprehensive Car Insurance.

Customers rate our Car Insurance

Bazaarvoice Authentic Reviews logo
Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Why do Victorian drivers choose AAMI?

24/7 claims

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

Enhanced experiences

AAMI Lucky Club®1 offers you upgraded experiences at events like movies, concerts and sports, and great retail discounts.

Opportunities to save

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

AAMI Crash Index 2019

Victorian car crash hotspots

This might be surprising to learn, but – according to data from the 2019 AAMI Crash Index – four of Australia’s five worst car accident hotspots are in Melbourne. Whether that’s due to population density, driving style, plain old bad luck or all of the above, one thing’s for sure; Victorian drivers should ensure they have the right insurance policy for their car.

What am I covered for?

Car Insurance coverage checker

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

Comprehensive Car Insurance

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).

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 AAMI Lucky Club® is made available by AAI Limited ABN 48 005 297 807 trading as AAMI (‘AAMI’ to customers of selected AAMI branded insurance policies.

2 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.

3 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.

Car Insurance is rated 4.6 out of 5 by 4770.
Rated 5 out of 5 by from Yes, it was easier than I though We have dealt with AAMi before and we really like the way they have treated us.
Date published: 2020-06-30
Rated 5 out of 5 by from Very quick and easy. Did it on my mobile in 5 minutes Found my car using my rego and was able to sign up with very little effort!
Date published: 2020-06-26
Rated 5 out of 5 by from Simple The process was very well laid out and intuitive. The prompts made sense and the auto-fill of fields made the entire business of buying insurance (possibly the most boring thing to do) very easy. We have insured with AAMI for over 20years and this is a great improvement. Much better than being on hold on the phone.
Date published: 2020-06-22
Rated 5 out of 5 by from Easier than I thought I'm so happy with this experience and find the good value.
Date published: 2020-06-18
Rated 5 out of 5 by from Easy ! Way to go. Thank you for making it so easy to sign up for a policy. Amazing.
Date published: 2020-06-16
Rated 5 out of 5 by from Easier than I thought I'm very happy with the experience that I have had
Date published: 2020-06-15
Rated 5 out of 5 by from Soooo easy I always get a quote over the phone, thinking this would be too hard online, however it was completely the opposite. I had time to click all the boxes and enough quiet time to make decisions about market value, excess etc.
Date published: 2020-06-13
Rated 2 out of 5 by from Buggy Web Site When I click renew it keeps presenting an empty main page. The left menu is displayed but not the main content at right to renew. I've recently change may name but I also cannot change my name in the Policy to renew.
Date published: 2020-06-11
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1 Year Free Roadside Assist

Buy a new AAMI Comprehensive Car Insurance policy and you can get 1 year free AAMI Roadside Assist. AAMI Roadside Assist helps with emergencies like flat tyres and batteries, lost or locked-in keys, and towing. Offer ends 10th July 2020. T&C's apply. Not available in conjunction with other offers.

Damage by uninsured drivers

If a driver without insurance causes damage to your car in a collision, we'll cover it up to $5,000.

We must agree the other driver is at fault and they can give us their name, address and the registration details of the other 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 we agree to pay your claim as a total loss, where possible we'll replace it with a new car. Where this is not possible or we agree to, 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 we provide you with a hire car after a no-fault accident with another car (for unlimited days 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, theress usually no need to list them on your policy. Just ensure the amount you cover your car for is enough to also include the value of all the insured accessories and modifications.

Car hire for unlimited days

At AAMI we provide you with a hire car after a no-fault accident with another car (for unlimited days 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.

Windscreen & window glass cover

This optional extra 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 insured event.

Fire & 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.

Need a hand?

Chat to us online now