Supporting our customers through COVID-19

It’s important to keep up to date with Government and expert advice so you know what you can do to look after yourself and your family. Here are some other useful links:

• Latest information from the Australian Government
• Travel alerts and information
• The latest health information
• Information on scams involving Coronavirus
• Smartraveller
• World Health Organisation
• Department of Health

If you’re using your car less because you’re self-isolating, there are changes you can make to your policy that may reduce your premium. This includes increasing your standard excess if your policy is up for renewal, changing the average kilometres driven listed on your policy. You can do this easily via your My Account by following this step-by-step guide, or by calling 13 22 44.

Insurance premiums can change from year to year, based on a range of factors. External factors, like the increasing weather events, the number of claims made in a year, increasing repair costs (caused by the increasing costs of parts, increasing costs of labour and the increase in the time of repairs), also have an effect. 

Covid impacted supply chain issues mean that cars, and car parts, are more difficult to track down, and become more expensive to replace. Since the amount covered on a policy affects how the premium is calculated, more expensive cars have meant more expensive renewal premiums for some of our customers.  

Don’t let your car insurance be a set-and-forget type thing. When renewal time rolls around, log in to My Account and check your details are up to date. Making updates to your excess, amount covered, optional covers and other details can make a big impact on your price. 

You can make updates to your policy online, just log in to My Account.

If you’re driving substantially less than what you stated on your policy, say because you’re working and schooling from home, you may be able to potentially reduce your premium. Please get in touch with us to discuss your options or click the chat icon to speak to someone online. Once you start driving more again, it’s important to update your policy to reflect these changes.

AAMI Home and Contents Insurance can cover home office equipment, like a desktop monitor and desk, up to $10,000. If the total value of your office items doesn’t exceed this amount, you won’t need to update your cover. For more information, please read the Product Disclosure Statement.

If the total value of your office equipment exceeds $10,000 or if you’re unsure, please call 13 22 44 or click the chat icon to speak to someone online.

If you’ve taken a laptop home from your employer’s office, it’s then considered your responsibility while it’s away from the insured address (say, the office). This means the laptop will then be covered under your AAMI Home and Contents Insurance while you’re using it from home. This only extends to cover at home, so please contact us by calling 13 22 44 or click that chat icon to speak to someone online if you’re using your laptop elsewhere and would like cover for it.

If you’re working from home during COVID-19, you won’t need to let your insurer know. AAMI Home & Contents Insurance includes cover for up to $10,000 for home office items, like a desktop monitor and desk. Although, if you’ve recently bought new items to beef up your home office setup, you should ensure that your sum insured is enough to account for the increased value of your contents.

If you’re an existing AAMI Insurance customer with Income Protection or Life Protect Insurance, please call 13 22 44 for information on how COVID-19 may affect your cover.

Read more COVID-19 Information for AAMI Life customers.

Receiving a COVID-19 vaccination approved for use by the Therapeutic Goods Administration (TGA) in Australia will not affect the cover under your existing insurance policy. AAMI Life policies do not include exclusions or limitations related to COVID-19 including vaccine related side-effects. If you were to experience sickness or injury after receiving the COVID-19 vaccination, a claim can still be lodged for a benefit under your policy and your claim will be assessed and is subject to the terms and conditions of your policy. This includes doctors, nurses, health professionals, police and people working in quarantine hotels and services.

AAMI Income Protection Insurance: AAMI Income Protection policies provide a benefit if you suffer an illness or injury and you are unable to work, in line with policy terms and conditions. Therefore, if your employer mandates that you are required to be vaccinated for COVID-19 and you are restricted from working as a result of choosing not to be vaccinated, you will not be entitled to make a claim against your policy for being unable to work if you are not suffering an illness or injury that is preventing you from working in your usual occupation or performing your usual daily activities.

We’re here to support our customers who have been impacted by the COVID-19 situation. Please get in touch with us by calling 13 22 44 to see how we might be able to help.

We can’t put insurance policies on hold. However, if you’re experiencing financial hardship because of COVID-19, there are some ways we may be able to help. Please call 13 22 44 to discuss your options with us or click the chat icon to speak to someone online.

If you’re an AAMI Health Insurance customers experiencing financial hardship due to COVID-19, you may be eligible to suspend your policy.