Car Insurance

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

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.

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.

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.

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 include Comprehensive Car Insurance.

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.

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

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

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

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

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?

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

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?

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

You will need:

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

Register

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

Cover for accidental loss or damage to your car.

Examples include hail, storm (including cyclone), flood, fire, theft or attempted theft, malicious damage or vandalism, collision and impact. The most we will pay for any one incident is the amount covered shown on your certificate of insurance unless we say otherwise in your policy.

Cover for you or anyone you authorise to drive your car for legal liability to pay compensation for loss or damage caused by your car to another person’s car or property, up to $20 million. Exclusions apply.

We cover accidental loss or damage to your car caused by fire, theft or attempted theft. The most we will pay for any one incident is the amount covered for your car as shown on your certificate of insurance, unless we say otherwise in your policy.

Third Party Property damage cover can be upgraded to include cover for Fire and Theft.

If you have Comprehensive cover, your car is insured for loss or damage by an uninsured driver. The most we will pay for any one incident is the amount covered for your car as showing on your certificate of insurance unless we say otherwise in your policy.

If you have Third Party Property Damage cover, we’ll cover damage by an uninsured driver to your car, up to $5,000 but only if you can show they were entirely at fault and can provide their name, address and rego number.

If your car is stolen, we’ll arrange and pay the reasonable cost of a hire car that meets your transport needs until your car is returned undamaged or repaired or your claim is settled, up to maximum of 21 days.

If your car is damaged in an incident and you are not at fault, we can arrange and pay the reasonable cost of a hire car that meets your transport needs (subject to availability) while repairs are being made to your car or we settle your claim. With Third Party Property Damage policies, this cover will only apply for damage by uninsured driver. You must give us the name, address and vehicle rego of the person at fault.

When your car is stolen or damaged in an incident and you have a Comprehensive or Third Party Fire and Theft policy, we will cover accidental loss or damage to your personal property (e.g. clothing, electronic and telecommunication devices) in the car at the time of the incident. Limits and exclusions apply, refer to PDS.

When your car is towing a caravan or trailer and loss or damage is caused to another person's car or property as a result, we will cover legal liability up to $20 million. That is, if the loss or damage results from:

• the actions of your caravan or trailer,
• your caravan or trailer running out of control after separating from your car while your car is moving, or
• another vehicle colliding with or tries to avoid colliding with property being loaded/unloaded or falling from your caravan or trailer while attached or towed by your car.

When your car is stolen or damaged in an incident covered by your policy, we'll pay up to a total of $1,000 for:

• Reasonable costs for emergency repairs to make your car roadworthy or safe to reach its destination
• Reasonable emergency accommodation costs if your car isn't roadworthy or safe to drive and you're more than 100km from home
• accidental loss or damage to your personal property in the car at the time of the incident.

Exclusions apply, refer to PDS.

When your car is damaged in an incident covered by your policy, we'll cover your transport costs (up to a total of $250 per claim):

• from the scene to your destination if your car is not driveable
• to and from the repairer of your car;
• to and from a hire car provider (if your policy provides this).

If you arrange your own transport which is covered under this cover you will need to:

• pay for the transport and
• give us the tax invoice for reimbursement with your claim.

For Third Party Property Damage; and Fire, Theft & Third Party Property Damage policies, this is only for damage caused entirely by uninsured drivers and where you can provide the name, address and rego number of the person at fault.

When your car is damaged in an incident covered by your policy and it is not roadworthy or safe to drive or needs to be held in storage, we will cover the reasonable costs of:

• one tow to get your from the scene of the incident to our nearest repairer or another location nominated or agreed by us;
• storing your car.

Refer to PDS for full detail.

For Third Party Property Damage policies, this is only for damage by uninsured drivers where you can provide the name, address and rego number of the person at fault.

If your car's less than two years old and you're the first registered owner, and your car is stolen or damaged in an incident covered by your policy 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 (or similar). Otherwise, we'll pay you the amount covered shown on our certificate of insurance, less applicable deductions.

For full details see PDS.

Enjoy the convenience of a hire car when your car’s out-of-action after an incident covered by your policy. We'll arrange and pay reasonable cost of a hire car that is similar make and model where available. If a hire car is unavailable from our providers, we'll pay you the cost you incur in hiring a hire car that is a similar make and model to your vehicle or in making alternative travel arrangements. The most we’ll pay is $90 per day.

Cover stops when your car is returned undamaged or repaired, or when your claim is settled.

When the only damage to your car following an incident in the period of insurance is to the windscreen or window glass (including sun roof), we cover the reasonable cost to repair or replace windscreen or window glass (including sun roof) without you having to pay an excess.

Note: One excess free claim only in the period of insurance.

Dedicated 24/7 emergency roadside assistance service for your car. 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.

There is no cover for AAMI Roadside Assist during the first 24 hours of purchasing or adding the optional cover to your policy. For full coverage details including limits, conditions and exclusions, view the T&Cs.