Home & Contents Insurance

In most cases, the replacement value of cars decrease over time, but in recent years, due to increased costs and constrained supply, we have seen some cars increase in value. As such, your amount covered will be automatically changed to reflect this.

You can increase or decrease your amount covered, within a specified range, and your premium will change accordingly.

You can also choose to insure your vehicle for Market Value. This will change your premium.

Refer to the PDS for details.

When you took out your policy, you would've given us an estimate of how much you drive your car in a year, and that figure informs your premium price. Usually, a higher estimate results in a higher premium, since your'e at greater risk of an incident. If you find yourself driving a lot less then you estimated, maybe because you're working from home or walking to the shops rather than driving, you can log in and adjust this figure. Doing so may reduce your premium a little.

Listing additional drivers on your policy can alter your premium, depending on their details and claims history. For example, if you have a teenager who used your car when they started driving but has since bought their own, they may no longer need to be listed. If you decide to remove them, your premium might be reduced.

If you've moved, make sure your address is updated on your policy. Your location can affect your premium, based on that location's level of risk, so your address being updated can result in your payments being adjusted. Fair warning; that adjustment can reduce your premium, or it may result in an increase. Either way, you'll ensure you're not at risk of having a claim denied or reduced due to incorrect address details.

Eligible policies include Comprehensive Car Insurance.

With AAMI Flexi-Premiums®, you can choose to lower your premium by increasing your excess This'll mean that, while your monthly or yearly premium is cheaper, you'll face more out-of-pocket costs if you make a claim where you're liable to pay an excess. Whether that trade-off is worth it is totally up to you, but it's worth considering.

You may need to update your address, or record a change of car ownership. If so, just get in touch with Service NSW online or call 13 77 88.

To update vehicle driver details or driving history, give AAMI a call on 13 22 44.
Mon–Fri, 8am–6pm NSW time
Sat & Sun, 8am–4pm NSW time

You can find your Payment Reference Number on your AAMI Renewal Notice.

This can be found in the payment slip of the insurance notice or correspondence you received from us.

Please enter a valid email address. This is where we’ll send your payment receipt.

How was I provided the BPay infomation?

Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.

Where is the BPay information located?

I still need assistance?

If you cannot locate the payment reference number please call our contact centre for assistance.

13 22 44
24 hours / 7 days a week

Note that the AAMI Business Insurance biller code is different to AAMI Personal Insurance, e.g. Car and Home Insurance.

How was I provided the BPay infomation?

Your policy renewal was sent via email or post depending on which option you selected when you purchased the policy, or modified in your online settings. You can change your account settings – including how you receive your renewal – by logging in.

Where is the BPay information located?

I still need assistance?

If you cannot locate the payment reference number please call our contact centre for assistance.

13 22 44
24 hours / 7 days a week

You will need:

• Policy Number
• Date of Birth
• Postcode
• Email Address

Register

Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

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 Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

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.

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

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

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.

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

If your home is damaged by an insured event and you can’t live there while it’s being repaired or rebuilt, we’ll cover the time it should take to repair or rebuild, up to 52 weeks for temporary accommodation. The most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover^® option, in which case we pay the reasonable and necessary costs.​

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

Some geographic limitations apply.

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

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.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

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 of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:

• which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or

• if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.

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 of or bodily injury to other people, or loss or damage to their property, resulting from an incident in certain situations which happens anywhere in Australia or New Zealand during the period of insurance.

The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs.

Please see PDS for full details.

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

The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs.

Please see PDS for full details.

When we repair or rebuild the building, we guarantee the quality of 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.

We guarantee the quality of the workmanship for all authorised repairs if we have selected and directly authorised a supplier.

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.

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy for an extra premium to ensure they're insured up to their full value while at the insured address.

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt. Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay the reasonable and necessary costs for up to 52 weeks. Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair. For more info about this coverage including limits, conditions and exclusions, see the PDS.

When you have contents cover and you can’t live at the insured address while it’s being repaired or rebuilt as a result of damage by an insured event, then we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address. If you are a tenant who needs to temporarily move out then we’ll pay for any reasonable extra rent costs for temporary accommodation. For more info about this coverage including limits, conditions and exclusions, see the PDS.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt. Limits, conditions and exclusions apply. See PDS for details.

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 help protect you against loss of rent due to tenant default, theft or malicious damage by your tenant and their guests. Limits, conditions and exclusions apply, so refer to the PDS for details.

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Available 24 hours after adding the option to your policy.

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions.

AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions.

AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

Accidental damage at home doesn’t include loss or damage that’s caused by any of the insured events. Please also see PDS for general exclusions that apply including but not limited to:

• Wear, tear and deterioration
• Deliberate or reckless actions
• Defects, faults, workmanship

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.