Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
Car Insurance
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Comprehensive^
Or
$20 off
Third Party^
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Depending on the type of cover you choose, car insurance can help cover the cost of damage to cars and property, as well as injury to other drivers, if you’re ever in a car accident. Comprehensive Car Insurance cover damage to your car and other people’s cars and property, while Third Party Car Insurance only covers damage you cause to other people’s cars and property.
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What am I covered for?
What's covered by Car Insurance?
Car insurance helps cover costs for which you might be liable, such as vehicle repairs, if you’re ever involved in a car accident. The level of cover you choose will determine whether you’re covered for damage to our own vehicle and other people’s property — that’s Comprehensive Car Insurance — or just the latter, with Third Party Property Damage. Get a car insurance quote today!
Comprehensive Car Insurance
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Accidental Damage
Market Value
Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
Accidental Damage
If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.
If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.
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
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.
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.
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.
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.
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.
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.
Market Value
Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
Accidental Damage
If our repairers can't do the repairs/replace the damaged parts, we will pay you the amount of the assess quote from your repairer.
If our repairer is able to do the repairs/replace the damaged parts but you request a cash settlement we will pay you the amount of our repairer's assessed quote.
Third Party Property Car Insurance
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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.
Damage by uninsured drivers
When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.
Optional Cover
Fire and Theft
The Fire and Theft Cover is a higher level of cover you pay extra for to include cover for fire, theft and attempted theft damage to your car.
CTP Insurance
CTP Insurance is attached to your vehicle’s registration and covers your liability for injuries you may cause to other people in an accident. CTP, also known as a Green Slip in NSW, is compulsory by law, and in most states included in your car registration. In NSW, you need to buy it separately before you can register your car. If you get a Green Slip with AAMI, we'll notify SIRA automatically, so the process is as simple as possible.
Looking for CTP or Green Slip?
Car insurance articles
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When it comes time to complete your car insurance renewal, find out why you should check your amount covered.
AAMI reveals the time of year when animal collisions are most common, as well as Australia’s animal accident hotspots.
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Flooding and storms can inflict severe water damage to vehicles. Be prepared and know what you can do if your car is affected.
Car Insurance
Frequently asked questions
Both Comprehensive and Third Party Property Damage include the following:
- Legal liability cover of up to $20 million, helping you cover repair and/or replacement costs if you damage someone else’s car or property while behind the wheel.
- Cover for loss or damage to your own car caused by fire, theft or attempted theft (this is an optional cover with Third Party Property Damage policies).
- 24/7 claims.
- Access to the AAMI App, making it easy to check and update policy info, track claims, and more.
Comprehensive policies also include:
- Cover for loss of, or damage to, your own car in insured events like collisions.
- New for old replacement if your car is stolen or written off for cars less than 2 years old.
- Lifetime repair guarantee on repairs we authorise.
- Safe Driver Rewards, offering a credit towards your premiums if you don’t claim.^
And, for an additional premium, offer access to optional covers such as:
- AAMI Roadside Assist, offering 24/7 callouts for help with things like breakdowns, flat tyres, lost keys, and more.
- Windscreen & window glass cover, offering one excess-free claim per year for damage to windscreens, window glass and sunroofs.
Read the PDS for more details.
^Safe Driver Rewards credit/discount is a percentage of the Comprehensive Car Insurance premium paid the previous year and is applied as a credit to next year’s premium.
Comprehensive Car Insurance is a type of car insurance that covers you for:
- accidental damage to your car
- damage that may be caused by the use of your car cause to other vehicles and property, and
- theft, fire, and malicious damage to your car.
It offers more features and benefits compared to other levels of cover, such as Third Party Car Insurance.
Comprehensive Car Insurance is just that — comprehensive. It’ll provide you with coverage for a range of insured events such as accidents and theft, as well as weather events like hail, fire and storms. If you’re involved in an accident, your car and property and the other person’s car and property are covered, even if you’re at fault. Third Party Car Insurance, on the other hand, will only cover you for damage you cause to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
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CTP Insurance
CTP Insurance is attached to your vehicle’s registration and covers your liability for injuries you may cause to other people in an accident. CTP, also known as a Green Slip in NSW, is compulsory by law, and in most states included in your car registration. In NSW, you need to buy it separately before you can register your car. If you get a Green Slip with AAMI, we'll notify SIRA automatically, so the process is as simple as possible.
AAMI roadside assist
AAMI Roadside Assist is a dedicated 24/7 emergency roadside assistance service for your car, from a leading emergency assistance provider. Available 24 hours after taking out or adding this optional cover to your policy. It is additionally subject to the AAMI Roadside Assist Terms and Conditions
AAMI Roadside Assist helps you with:
- changing a flat tyre
- towing your car to an accredited repairer
- jump starting or charging a flat battery
- emergency fuel delivery
- lost or locked keys, by spare key delivery or locksmith attendance. Limitations and exclusions apply.
Damage by uninsured drivers
When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.
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.
Hire car after 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.
Modifications and accessories
At AAMI we cover all legal modifications and accessories fitted to your car, there is 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, the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.
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 for a hire that is a similar make or model to your car up to $90 per day until your claim is settled or your car is returned to you.
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.
Fire & Theft Cover
The Fire and Theft Cover is a higher level of cover you pay extra for to include cover for fire, theft and attempted theft damage to your car.