Comprehensive Car Insurance
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Car Theft
Cover for damage or loss caused by theft, attempted theft, collision, malicious damage and fire, up to your vehicle's market value (if chosen) or amount covered.
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Accidental Damage
We'll repair or replace the damaged parts of your car up to your vehicle's market value (if chosen) or amount covered if it's damaged accidentally, whether that's in a collision or impact caused by something like a falling tree branch. Learn more about Accidental Damage.
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Damage to other people's property
If you’re in an incident using your car that causes damage to someone else’s car – or other property, like their garden, fence or letterbox – we’ll cover you for up to $20 million.
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Accessories and modifications
At AAMI your car insured under your policy includes the value of any accessories and modifications that are fitted to your car. There’s no need to list the accessories and modifications on your policy.
See your PDS for the definitions of car, accessories and modifications.
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Not-at-fault hire car
Enjoy the convenience of a hire car that meets your needs when your car's damaged in a not-at-fault accident and can't be safely driven or is in for repairs. Hire Car for at-fault incidents is available as an additional cover.
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New for old replacement
If your car's less than 2 years old and you bought it new, if your car is stolen or damaged and your claim is accepted as a total loss, where possible we'll replace it with a new car of the same make, model and series as your car. See the PDS for full details.
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Optional cover
Hire car after an incident
With the Optional Cover - hire car after an event, enjoy the convenience of a hire car when your car’s out of action because of an incident, even if it’s your fault. We'll cover reasonable hire car costs up to $90 per day until your claim is settled or your car is returned to you.
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Optional cover
Windscreen & Window Glass Cover
This Optional Cover 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 incident covered by your policy.