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Does my driving history affect my car insurance policy?

In short; yes it does. When you get a quote for an AAMI car insurance policy, we need to ask questions about your driving history. This information, along with other data, helps us work out your premium and your excess. An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. Having previous driving convictions or charges against you doesn't necessarily mean we won't cover you, but it can depend on the severity and how recent the events were.


Driver History Excess

This excess applies if a listed driver who has had their licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance was driving, using or in charge of your car at the time of the incident. This excess is in addition to any other excess that applies.

Understanding the different types of excess is important, because if you're involved in an accident this will be your out-of-pocket expense. For more information about which excesses applies to your AAMI car insurance policy, read this informative article on all the different types of excess definitions we use.


Safe Driver Rewards

There can be cost benefits in keeping a safe driving record as an AAMI Comprehensive Car Insurance policy holder. Over time, you may receive up to 15% credit off your premium, and up to 25% off your Roadside Assist.* These benefits may apply to anyone with Comprehensive Car Insurance who keeps a safe driving record (i.e. makes no claims where they or a driver of their car is at fault) for a set number of years. This is regardless of their prior history before starting their Comprehensive Car Insurance policy with AAMI. Terms and conditions do apply, so for more information on how it works check out the Safe Driver Rewards page.


* Safe Driver Rewards is given as a credit on the renewal premium, and is calculated as a percentage of last year’s Comprehensive Car Insurance premium amount (prior to the application of any Safe Driver Rewards credit). Maximum 15% discount is for drivers who don't make a claim on their Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+.


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. 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.


Learn more about Comprehensive Car Insurance


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COOKIE AND DATA POLICY
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how AAMI collects and uses data related to your online activity, and how you can choose to remain anonymous.

AAMI GENERAL INSURANCE
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 and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. AAMI Business Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI Business Insurance. Registered Office, Level 23, 80 Ann Street, 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. The Target Market Determination is also available.

AAMI PET INSURANCE
Petinsurance.com.au policies entered into for the first time prior to 07/11/2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, are arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and are promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Platform Ventures Pty Ltd ABN 35 626 745 177, AR 001266101 (under the AAMI brand)(Ventures).

Petinsurance.com.au policies entered into for the first time on or after 07/11/2023 and subsequent renewals of those policies are issued by PetSure and are promoted and distributed by PetSure’s AR, PIPL and Ventures. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at Petinsurance.com.au.

*myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd (PetSure). Available only to holders of active Petinsurance.com.au policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks and/or the myPetPassTM rewards programme may be amended or withdrawn any time without notice. Full Terms & Conditions available at mypetpass.com.au/terms.

AAMI HEALTH INSURANCE
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.

AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued 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). TAL companies are not part of the Suncorp Group. TAL Life uses the AAMI brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued 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 are issued by 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. The Target Market Determination is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.

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