That's why we're here for you, in the moments that matter and when you need us most.
If your car is driveable, head to your selected AAMI Approved Repair Partner on the date and time of your repair booking. If your car is not roadworthy or safe to drive, we'll cover the reasonable cost to tow your car to the AAMI Approved Repair Partner or another facility of our choice.
Once the AAMI Approved Repair Partner has assessed the damage, they can usually begin repairs right away and we will keep you updated on the progress of your repairs. If your vehicle is assessed as a total loss, we'll get in touch to discuss what will happen next.
We'll let you know when repairs are complete and your car is ready to be collected.
Drive off with confidence knowing that the quality of workmanship and the materials authorised by AAMI in repairing your car is guaranteed for its life.
An excess is your contribution towards the cost of a claim and is a requisite policy condition. Effectively, the excess is the amount you self-insure. Your cover starts once insured loss or damage exceeds the excess. The excess will depend on the circumstances of the claim.
Some Additional Benefits and Optional Covers have their own excess, in addition to any other excess that may apply. When multiple excesses apply, you might have to pay more than one excess.
The amount and details of each applicable excess is shown on your Policy Schedule. Information on how and when an excess applies can also be found in the Product Disclosure Statement (PDS).
When you make a claim, and depending on the claim type, you can pay any appliable excesses in one of the following ways:
- All claim types - you pay directly to us.
- Repairs authorised - in some instances, and before repairs commence, you pay the appointed repairer or supplier.
- Cash settlement - the excess is deducted from the claim settlement amount.
To make things simpler for you, AAMI can help you through the whole repair process with our AAMI Approved Repair Partners. You can learn more by reading the PDS.
To join our preferred repairer network, repairers must hold the latest industry qualifications and consistently deliver high standards of workmanship, quality assurance and customer care. This means we only partner with accredited repairers and our authorised repairs come with a lifetime guarantee to give you a little extra peace of mind.
If you have comprehensive insurance, your car becomes a total loss if:
- it is stolen and unrecovered after 14 days and we accept your claim for theft of your car; or
- it is uneconomical or unsafe to repair, including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy.
If your car is more than 2 years old, we pay the amount covered less any applicable deductions.
For full details, please download the Comprehensive Car Insurance PDS and Additional Information Guide.
If your car is less than 2 years old, and you're the first registered owner, we'll replace it with a new car of the same make, model and series (if available within 90 days), or similar if not available. If you choose not to accept the replacement car, or where an agreement cannot be reached between us on a replacement car, or a replacement car cannot be supplied, we will pay you the amount covered on your certificate of insurance (less any deductions). See the PDS for full details.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
The information is intended to be of a general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon it – please make your own enquiries.