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Customer Relations & Complaints
We're here when you need us!
If you can't find what you need below, you can call us on 13 22 44
Let us know
If you experience a problem, are not satisfied with our products or services or a decision we have made, let us know so that we can help.
You can contact us:
Online:Using this form
In writing:AAMI, GPO Box 756, Melbourne, VIC, 3001
In most circumstances, your complaint will be acknowledged within 1 business day and can usually be resolved within 5 business days.
If your complaint is in relation to Life Insurance, read more about our complaints process.
Review by our Customer Relations Team
If we are not able to resolve your complaint or you would prefer not to contact the people who provided your initial service, our Customer Relations team can assist. Here’s how to contact our Customer Relations Team:
1300 240 437 (free call)
AAMI Customer Relations, PO Box 14180, Melbourne City Mail Centre VIC 8001
Customer Relations will contact you if they require additional information or if they have reached a decision. When responding to your complaint, you will be informed of the progress and the timeframe for responding to your complaint.
We will provide you with an outcome within 30 calendar days from when we first received your complaint.
AAMI’s Culture Principles – Managing Complaints
Our culture principles guide our people and those who represent us, on how we work together, make decisions and meet our customers’ needs. This includes when we are managing complaints.
What accessibility options are available to me?
We want you to be able to make a complaint as easy as possible. Many people may find it hard to read and understand written information. We have created an Easy English Complaints Guide (PDF, 3MB) to help explain how to make a complaint and what happens if you do.
Seek review by an external service
We expect our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied, you may be able to access the following external dispute resolution services.
Contact the Australian Financial Complaints Authority (AFCA)
AFCA provides fair and independent financial services complaint resolution that is free to consumers. Any determination AFCA makes is binding on us, provided you also accept the determination. You do not have to accept their determination and you have the option of seeking remedies elsewhere. AFCA has authority to hear certain complaints. Contact AFCA to confirm if they can assist you. You can contact AFCA:
1800 931 678 (free call)
Australian Financial Complaints Authority - GPO Box 3, Melbourne VIC 3001
For Compulsory Third Party (CTP) Insurance in NSW and SA or Motor Accident Injuries (MAI) Insurance in the ACT, you can contact the relevant state authority:
New South Wales
Independent Review Officer (IRO)
We are committed to resolve your complaint in a timely and fair manner. However, if you remain dissatisfied with our response you can lodge a complaint with the Independent Review Officer.
The Personal Injury Commission Act 2020 (PICA) provides for the Independent Review Officer (IRO) to deal with complaints from claimants about any acts or omission of an insurer that affects their entitlements, rights, or obligations under workers compensation and motor accident legislation.
You can lodge a complaint by telephone, by email or thorough the IRO online form.
Independent Review Officer:
Website: Contact IRO
State Insurance Regulatory Authority,
Level 6, McKell Building
2-24 Rawson Place
Sydney NSW 2000
or DX 1517 Sydney
Disputes if you disagree with an insurer’s decision about your claim:
Level 19, 1 Oxford St, Sydney; DX10 SYDNEY
Australian Capital Territory
ACT Motor Accident Injuries Commission
Attention: ACT Motor Accident Injuries Commission
Chief Minister, Treasury and Economic Development Directorate
GPO Box 158
Canberra ACT 2601
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