What insurance options are there for my car?
Whether you just drive from A to B or love scenic road trips, choosing the ideal car insurance for your needs is important. But if you’re unsure what insurance suits your needs and your car, this handy article could help make things clearer.
What are the types of AAMI Car Insurance?
AAMI Comprehensive Car Insurance
Offering the broadest coverage, AAMI Comprehensive Car Insurance covers accidental loss or damage to your car if it’s damaged in an insured event – such as collisions or weather events – or theft.
It also covers damage to other people’s vehicles and property arising from the use of your car, up to $20 Million, for which you might be liable.
Like all policies, there are conditions, limits and exclusions that apply. For more detail, read the Product Disclosure Statement (PDS).
Explore AAMI Comprehensive Car Insurance
Compulsory Third Party (CTP) Insurance and Motor Accident Injuries (MAI) Insurance
In Australia, drivers are legally required to have CTP Insurance or MAI Insurance in the ACT. This insurance is also known as CTP Green Slip in NSW.
In certain states and territories, such as Victoria or Western Australia, this type of insurance is included in the price of your vehicle registration.
In Qld, SA, and the ACT you may choose your insurer, however, payment is included with your registration and doesn’t need to be purchased separately. In NSW, CTP is required to be purchased prior to registering your vehicle.
If you’re unsure which applies to you, check with the relevant state authority.
CTP and MAI Insurance covers costs related to injuries sustained in a motor vehicle accident. If your vehicle is involved in an accident, your CTP or MAI Insurance may apply to medical costs for the people injured.
CTP and MAI Insurance does not cover damage to your vehicle and other people's vehicles or property, so you could still be left with out-of-pocket costs if you have an accident and only have this type of insurance.
Discover more about CTP Insurance
Third Party Property Damage Car Insurance
AAMI Third Party Property Damage Car Insurance covers legal liability for damage to other people’s car or property caused by the use of your car. It doesn’t cover accidental loss or damage to your own car.
Explore Third Party Property Damage Car Insurance
Consider optional fire & theft cover
With AAMI Third Party Property Damage Car Insurance, you can include optional Fire & Theft cover for an additional premium.
Why would you do this? Well, AAMI Third Party Car Insurance alone does not cover damage to your car if it is stolen, or damaged by fire or attempted theft.
Get a quote for Fire & Theft cover
Who is covered under my AAMI Car Insurance policy?
We cover you or anyone you authorise to drive your car, subject to the conditions and exclusions of your policy. Anyone who will drive the car repeatedly should be listed on the policy.
Note, an additional excess will apply. For example, if drivers are not listed at the time of claim, and they are not a learner driver, a higher excess will apply if they are under 25 years of age or have held their license for less than 2 years.
You can find more information in the relevant PDS.
What is the claims process like?
We make the claims process simple. Here are the ways you can make a claim with AAMI:
- online
- with the AAMI App for some policies, or
- over the phone by calling at 13 22 44 8am-7pm (AEDT) 7 days a week.
Read more:
- What is the repairs process at AAMI?
- What happens when you’re in a car accident and not at fault?
- Car insurance renewal prices explained
Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Please read the relevant Product Disclosure Statement before purchasing insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.