Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

If the unit can’t be lived in, we’ll pay the owner the weekly rental amount for the reasonable amount of time it should take to repair or rebuild your building or unit so it can be lived in again. The longest period we’ll provide cover for is 52 weeks and the most we’ll pay is 10% of the building sum insured.

If an insured event occurs and your property is unliveable as a result, we’ll pay the weekly rental amount for up to 52 weeks or $25,000, whichever is less.

Only those contents which are owned by the landlord but kept within the property are covered.

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

• in connection with you owning or living in the building; and

• at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

• in connection with you owning or living in the building; and

• at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

When we repair or rebuild the building, we guarantee the quality of materials and workmanship of that work for the lifetime of the building if we: 

• authorise

• arrange, and

• pay the builder or repairer directly for this work.

For full details, see the PDS.

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

When an insured incident damages a unit in your building to the extent that the unit owner cannot live there, and we agree, we will pay the unit owner’s reasonable temporary accommodation costs for the time it will take to repair or rebuild the unit to a liveable condition for up to 52 weeks.

If your home is damaged by an insured event and you can't stay there while it's being repaired or rebuilt, we'll cover up to the lesser of 52 weeks or 10% of the building sum insured for temporary accommodation, so you still have a roof over your head.

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12^th July 2019 and 9^th September 2019.

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

The lucky winner will receive return flights to Melbourne*, 4 nights luxury accommodation, $10k prize money, 2 tickets to The 2019 Toyota AFL Grand Final and heaps more.

Here’s how it works:

• Get a Motor or Home quote to get 1 entry and complete the competition entry form
• Purchase a Motor or Home policy to get 5 entries and complete the competition entry form
• Already an AAMI Motor or Home customer? Enter here

Entries close 9^th September 2019. Prize drawn 11^th September 2019.

T&C’s apply

Customers with the following AAMI policies are eligible for AAMI Lucky Club via My Account or the AAMI App:

• Any Car and Vehicle policies
• Home and/or Contents, including Landlord and Strata
• Life
• Income Protection
• Health (only via My Account)
• Travel (only via the AAMI App)

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

This Optional Extra is exclusive to AAMI and gives you peace of mind that we'll choose to repair, rebuild your house as it was, or pay you what it would cost us to do so, without you having to set a specific sum insured limit.

If you have a high-value (over $1,000) or high-risk item, you need to specify it to cover its full value, as such items are not necessarily included as unspecified portable items. Items that need to be specified include:

• Laptops, mobile phones and electronic tablets
• GPS or navigational devices
• Photographic equipment
• Golf carts
• Motorised wheelchairs or mobility scooters.

Unspecified Portable Items is an optional protection for accidental loss or damage to personal valuables normally carried with you away from home (anywhere in Australia and New Zealand).  This can cover items such as such as:

• Jewellery and watches
• Cameras
• Handbags and wallets
• Handheld gaming systems
• Glasses and sunglasses
• iPods/MP3 players
• Bicycles and sports equipment*.

These items don’t need to be specified to be covered.

*Sporting equipment is covered when not being used, except for bicycles which are covered if not racing or pace-making.

If an insured event occurs and your property is unliveable as a result, we’ll pay the weekly rental amount for up to 52 weeks or $25,000, whichever is less.

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

If your home is deemed unliveable following an insured event, we offer cover for the reasonable costs of temporary accommodation for the time it will take to repair or rebuild your home. The most we’ll pay is up to 4 weeks in short term accommodation, such as a hotel, and then up to another 48 weeks in residential accommodation if necessary. We’ll also cover the cost of redirecting mail to the temporary address and connecting utilities. Not available with Fire & Theft Contents Insurance.

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe