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  • Covers damage to your car
  • Also covers damage to other people’s vehicle or property
  • Includes cover for car theft

Online Discount Terms & Conditions

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

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On Your First Year When You Buy Online! 

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  • Covers damage to other people’s vehicle or property
  • Covers damage to your car by uninsured drivers who are at fault (up to $5,000)
  • Optional cover for fire and theft damage to your car is available

Online Discount Terms & Conditions

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

Save $20

On Your First Year When You Buy Online! 

Grab a quote
Customers rate our Home Insurance

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Log in to My Account

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Missed a payment

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REAL AUSSIES

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Over 45 years insuring Australians

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Prepare for weather events

If you’re looking to prepare for or have been impacted by a weather event, find valuable tips on our dedicated weather event pages.

Storm

Flood

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Cyclone

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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.

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.

​View the full T&C's

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.​

Available to 95% of Aussie homes

Some geographic limitations apply.

How AAMI Home Assist works

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.

Tax Probe

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

Back in Business

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

Theft

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

Property Damage

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.

Public and Products Liability

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

Damage to other people and their property

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

Loss of rent

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.​

Loss of rent

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.

Contents damage or loss

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

Third party cover

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.

Lifetime guarantee on building repairs

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.

Portable valuables

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

Specified contents at 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.

Temporary Accommodation

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

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

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.

Temporary Accommodation

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.

Eligible Policies

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

Tenant Protection

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

Cover for spoiled food and medication

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.

Cover for motor burnout

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.

Home Building Calculator

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

24/7 AAMI Home Assist

Available 24 hours after adding the option to your policy.

General maintenance

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.

Preventative services

Disaster response

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.

This doesn’t cover damage caused by:

  • Wear and tear
  • The gradual deterioration of something with age
  • Deliberate acts
  • Defective workmanship

Limits and exclusions

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

Online Discount Terms & Conditions

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