Comprehensive Car Insurance

Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.

Save $50

With a first year online discount 

Customer ratings

What's covered

Hire car for not-at-fault incidents

At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

  • 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.
  • Weather events

    You’re covered for damage caused by storm, hail, fire (including bushfire) or floods.
  • Hire car for not-at-fault incidents

    If your car is damaged in an incident that wasn’t your fault and you can provide the full details of the at-fault driver and their vehicle, we’ll provide a temporary hire car while repairs are being made.

Mods and accessories

At AAMI we cover all legal modifications and accessories fitted to your car. There’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.

  • Mods and accessories

    Your policy includes the value of any accessories and modifications that are fitted to your car, with no need to list them on your policy.
  • Damage to other people’s property

    If you accidentally damage someone else’s car or property using your car, we’ll cover you for up to $20 million.

This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)

What's optional

AAMI Roadside Assist

AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.

AAMI Roadside Assist

Get help 24/7 Australia-wide if your car breaks down and you need to be towed.

Windscreen and window glass

Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy.

Hire car after an incident

Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to.

Other benefits

Ways to save

Checking a few simple things on your car insurance policy can help you make sure you’re paying what you should be – and not a dollar more.

Ways to save

AAMI Flexi-Premium Excess®

With AAMI Flexi-Premium Excess® you can choose to lower your premium by increasing your excess on eligible policies.

Lifetime Repair Guarantee

The quality of the workmanship and the materials authorised by AAMI in the repair of your car will be guaranteed for its life. How’s that for peace of mind?

AAMI Safe Driver Rewards®

AAMI Safe Driver Rewards®

Safe Driver Rewards® is given as a credit on the renewal premium, calculated as a percentage of last year’s Comprehensive Car Insurance premium amount (prior to the application of any Safe Driver Rewards credit) for your car. Maximum 15% credit 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+.

Enjoy extra rewards and benefits for every consecutive year you don’t make a claim. Drivers who don’t make a claim that impacts their AAMI Safe Driver Rewards® status for 10 years and above receive up to 15% credit.

Up to 10% discount with a Skilled Driver Course

AAMI Skilled Driver Course

Up to 10% discount off the rated premium of your AAMI Comprehensive Car Insurance when a listed driver under the age of 25 has completed the AAMI Skilled Driver Course. Discount applied until the first renewal on or after the participant turns 25 as long as the participant remains a listed driver on the policy.

Sharpen your skills with the AAMI Skilled Driver Course. Pass the course and receive up to 10% discount on your premium.

Looking for something else?

Third Party Car Insurance

Cover for damage you cause to other people’s car or property.

Learn more

Compulsory Third Party (CTP) Insurance

Cover for injuries you cause to other people.

Learn more

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What is Comprehensive Car Insurance?

Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance

Frequently asked questions

Hire car for not-at-fault incidents

At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

Mods and accessories

At AAMI we cover all legal modifications and accessories fitted to your car. There’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.

AAMI Roadside Assist

AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.

AAMI Safe Driver Rewards®

Safe Driver Rewards® is given as a credit on the renewal premium, calculated as a percentage of last year’s Comprehensive Car Insurance premium amount (prior to the application of any Safe Driver Rewards credit) for your car. Maximum 15% credit 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+.

AAMI Skilled Driver Course

Up to 10% discount off the rated premium of your AAMI Comprehensive Car Insurance when a listed driver under the age of 25 has completed the AAMI Skilled Driver Course. Discount applied until the first renewal on or after the participant turns 25 as long as the participant remains a listed driver on the policy.

Update policy

Need to update your policy before you pay? Or don't have your Payment Reference Number handy? With My Account you can:

  • instantly pay renewals*
  • make a one-off payment for a missed instalment*
  • pay outstanding excess*
  • set up annual or monthly payments
  • update direct debit/card details
  • change your amount covered, change your excess, or add optional extras, and
  • change policy details1, such as your parking address, registration, listed drivers, and usage.

* limit of $5,000 for online payments.
1 FYI, if the premium payment for your policy is overdue, you won’t be able to edit it before paying.

Update policy

Need to update your policy before you pay? Or don't have your Payment Reference Number handy? With My Account you can:

  • Set up annual or monthly payments
  • Instantly pay renewals
  • Update direct debit/card details
  • Change amount covered, excess or add optional extras
  • Change policy details*, such as your building sum insured, contents sum insured, and unspecified valuables
    * if your policy is overdue you will not be able to edit the policy before paying

Quick renewal

Just need to renew your policy, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:

  • the Payment Reference Number (PRN) on your renewal notice, and
  • email address (we will send the payment receipt to this address)

If the payment is successful, the premium will be debited from your payment card. You should see your account updated within 2 business days.

Quick payment

Just need to pay your excess, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:

  • the Payment Reference Number (PRN) on your payment notice, and
  • email address (we will send the payment receipt to this address)

If the payment is successful, the premium will be debited from your payment card. You should see your account updated within 2 business days.

AAMI App

Manage your policy

Want to make payments while on the go? With the AAMI App you can:

  • see all your insurance policies all in one place
  • renew your policy
  • make a one-off payment for overdue renewal
  • pay an outstanding excess
  • update your policy details, and
  • get policy documents.

AAMI App

Manage your policy

Want to make payments while on the go? With the AAMI App you can:

  • see all your insurance policies all in one place
  • renew your policy, and
  • get policy documents.

Check amount covered

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.

Kilometres driven

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.

Review listed drivers

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.

Your address

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

Eligible policies include Comprehensive Car Insurance.

Your excess

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.

Updating your details

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

PRN

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

Payment Reference Number

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

Email address

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

BPay Help

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?

example-of-bpay-details

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

Business Insurance Biller Code

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?

example-of-bpay-details

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

Register a Pet Insurance account

You will need:

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

Register

Quick renewal

Just need to renew your policy, without updating any policy info? No worries! You can do it in just a few moments, with no login required — all you need is:

  • your policy number, or
  • the Payment Reference Number (PRN) on your renewal notice, and
  • email address (we will send the payment receipt to this address)

If the payment is successful, the premium will be debited from your payment card. You should see your account updated within 2 business days.

Online Discount Terms & Conditions

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