Cover information and limits in the table below verified as correct at 11 December 2023. Other information correct at the time of writing.
Advertiser disclosure. Important information on terms, conditions and sub-limits
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance||
Yes costs extra
up to 15%
AAMI, which stands for the Australian Associated Motor Insurers Limited, is owned by Australian insurance provider Suncorp. It was founded in Australia in 1970 and has been a subsidiary of Suncorp since 2007.
The highest level of car insurance AAMI offers, AAMI’s comprehensive cover includes:
One year free of Roadside Assist. AAMI offers roadside assistance at no extra cost for the first year that you hold your comprehensive car insurance policy.
Up to $20 million of legal liability cover, should you damage someone else’s car or property.
Accidental loss or damage to your car. This covers a wide range of events from theft to hail storms and vandalism.
Cover for accessories and modifications
A hire car following a not-at-fault accident
New for old replacement cover. If your car is less than two years old and is considered a write-off as a result of an incident covered by your policy, AAMI will replace it.
A lifetime guarantee on authorised repairs.
Yes, AAMI does offer roadside assistance as an optional extra. Not only that, but when you sign up to a comprehensive car insurance policy with AAMI for the first time, you’ll receive the first year of roadside assistance at no extra cost. After that the cost will be up to $86 each year.
AAMI’s ‘Roadside Assist’ offers:
Help with jump starting or replacing a flat battery
Help with changing a tyre
Up to $10 worth of emergency fuel, to help you make it to the nearest petrol station.
Help with lost or locked out keys. AAMI will pay up to $250 for a spare key to be delivered to you, or to help you gain access to your car.
Help towing your car to an accredited repairer. AAMI will tow your car up to 20kms from where it broke down. Or if there is no accredited repairer within 20kms, the provider will tow your wheels up to 100kms to the nearest accredited repairer.
Besides roadside assistance, AAMI offers cover for a hire car following an accident and windscreen and window glass cover.
Adding ‘hire car’ cover to your policy will ensure that you can access a hire car for an unlimited number of days following an accident. AAMI will cover ‘reasonable hire car costs’ up to $90 per day until either your claim is settled or you get your ride back.
The other optional extra you can add to your policy is ‘windscreen and window glass cover’. This optional extra will ensure that you pay no excess for one claim per year on repairs or replacement for your car windscreen, window glass or sunroof, when it is damaged as a result of an insured event.
The excess refers to the amount you’ll have to pay when you make a claim before AAMI will pay for anything. For example, you might have $500 worth of damage to your car and a $200 excess. You would pay $200 and AAMI would pay the extra $300.
You can tailor your policy by choosing to pay a high excess and therefore lower premiums, or lowering your excess in return for higher premiums. The former might be a good idea if you don’t have much cash up front and the likelihood of an accident is low. The latter might be handy because it means you’ll only have to come up with a small sum of money in an emergency.
Yes, AAMI does offer CTP (compulsory third party) car insurance. However, it is only available to drivers in the Australian Capital Territory, New South Wales and South Australia.
In the ACT, this is called Motor Accident Injuries cover and if you want to go with AAMI, you can select it as your preferred insurance provider upon registering your vehicle with Access Canberra.
Besides CTP insurance, AAMI also offers third party property car insurance. While CTP cover is a legal requirement all over Australia, third party property cover is optional. That said, it might be a good idea to have it, if you don’t want to wind up with a big bill from the mechanics.
AAMI’s third party property car insurance provides:
$20 million of legal liability
Cover for damage to other people’s property
Up to $5,000 worth of cover for damage to your car caused by an uninsured driver.
It should be noted that third party car insurance does not provide cover for damage done to your own car. The only exception to this is if it is damaged by an uninsured driver (as mentioned above). Or, you can opt for additional third party cover which includes cover for fire or theft damage caused to your car.
This optional cover for fire and theft includes:
Up to $10,000 worth of cover for fire and theft damage
A hire car following a theft, up to a maximum of 21 days
Up to $500 worth of personal items cover. This is to cover any personal items such as laptops, phones etc, if they are stolen from your car.
There are a few ways to save money with AAMI’s comprehensive car insurance, including:
One year of roadside assistance, at no extra cost
An online discount, at the time of writing AAMI was offering a $50 discount for comprehensive car insurance policies purchased online
With AAMI’s Flexi-Premiums. If you choose a higher excess, you can reduce the cost of your premium, if you choose a lower excess your premium will be higher, but you’ll pay less at claim time.
Paying annually rather than monthly. Paying your premium in monthly installments will cost you a bit extra.
As much as a 10% discount if you pass AAMI’s Skilled Driver Course. The course is aimed at drivers under 25 and is open to those with a P-Plate or full license.
Money off with AAMI’s Safe Driver Rewards program.
Yes, AAMI does have its own version of a no claims bonus discount - the AAMI Safe Driver Rewards program.
Similar to a no claims discount, this program rewards you for driving safely and not making any claims. You’ll start out on ‘Gold Status’ and if you drive safely for a year and make no claims, you’ll receive a ‘Safe Driver Rewards credit’. This will start at 2.5% and increase to a maximum of 15% after ten years of driving safely.
If you have roadside assistance with AAMI you might also be eligible to receive a discount on that. Discounts with AAMI’s roadside assistance cover start at 5% after three years of safe driving and go up to a maximum of 25% after nine years.
The discounts are broken down as follows:
Safe Driver Reward credit
AAMI Roadside Assist discount
The credit that you receive will be worked out as a percentage of your previous year’s premium.
Your car insurance premium is calculated on the likelihood of you making a claim, which AAMI predicts based on a number of factors like:
You can pay your AAMI premium annually or monthly, but if you choose to pay it in monthly installments, remember that it will cost extra. Payment options include online payment through the AAMI website, Bpay, over the phone, through old school mail and by popping into the post office.
AAMI will cover the cost of towing your car if it breaks down, as well as alternate travel and accommodation if you’re far from home at the time. Just keep in mind that you’ll need to get in contact with AAMI before having any repairs done, or else they might not be covered under your policy.
You know the jingle, you know the facts, so now, read up on what AAMI customers think of their car insurance policies. Everyday Aussies have rated AAMI on things like customer service, convenience and trust in our customer review section.
You can make a claim on your AAMI car insurance policy over the phone, online or even on the mobile app. Make sure you have a few things handy to make it easier, such as:
Make sure you get the details of anyone else involved in an accident, or any witnesses who may be able to help your claim. Some information you might like to ask for includes:
Mozo users have rated AAMI car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
U was with aami last year. My renewal came in alot dearer that last year if i stayed with them. I did some research and could get it cheaper by going online on their site and entering my info (all of which didnt change). So they were putting a "loyalty tax" of over $100 on their policy. I'm glad i always check or i would have paid more for something they were offering cheaper. It pays to do your research. I ended up not going with them as i got a cheaper offer from another companyRead full review
U was with aami last year. My renewal came in alot dearer that last year if i stayed with them. I did some research and could get it cheaper by going online on their site and entering my info (all of which didnt change). So they were putting a "loyalty tax" of over $100 on their policy. I'm glad i always check or i would have paid more for something they were offering cheaper. It pays to do your research. I ended up not going with them as i got a cheaper offer from another company
they have help me greatly and very quick to resolve my issue and highly recommend themRead full review
they have help me greatly and very quick to resolve my issue and highly recommend them
All insurance companies have a mandate to make a profit Costs are high it could be more fore your buck Customer Service is always goodRead full review
All insurance companies have a mandate to make a profit Costs are high it could be more fore your buck Customer Service is always good