Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
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Comprehensive Car Insurance provides cover for your car and for damage to other people’s cars and property, while Third Party Car Insurance only covers the damage you cause to other people’s cars and property. You can get a car insurance quote today, quickly and easily.
Real Aussies
AAMI Community Support & Sponsorships
AAMI is proud to support a range of sporting and community initiatives across Australia.
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AAMI & AFL & AFLW
Proud major partners of AFL & AFLW
Victoria State Emergency Service
AAMI proud Major Partner of VIC State Emergency Service
NSW State Emergency Service
AAMI proud Major Partner of NSW State Emergency Service
AAMI & What Ability
Supporting Aussies of all abilities, as a proud partner of What Ability
AAMI Park
Delivering world class sports and entertainment events since 2010
AAMI & SANFL
Supporting community footy through SANFL
AAMI & NBL
Proud partner of the NBL. When hoops turn into oops, lucky you're with AAMI
AAMI & Vision Australia
Proudly supporting Aussies who are blind or low vision through Vision Australia's Carols by Candlelight
Driver Reviver
Making roads safer together in proud partnership with Driver Reviver
Reasons customers choose AAMI
Trusted since 1969
AAMI Safe Driver Rewards
AAMI Lucky Club
What am I covered for?
What's covered by Car Insurance?
Get up to speed on what's included with an AAMI Car Insurance quote.
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.
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Car insurance articles
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AAMI reveals the time of year when animal collisions are most common, as well as Australia’s animal accident hotspots.
Got a shiny new drivers licence, but don’t know the first thing about buying car insurance? – Read more.
Flooding and storms can inflict severe water damage to vehicles. Be prepared and know what you can do if your car is affected.
AAMI Car Insurance
Frequently asked questions
Yes, AAMI Comprehensive Car Insurance does cover windscreen replacement as standard, but you will need to pay an excess if you claim. You can choose to add Windscreen and Window Glass Cover as an Optional Cover that you pay extra for. If you do, when the only damage to your car is to the windscreen, window glass or sun roof, we cover the repair or replacement cost without you having to pay an excess. One excess free claim only in the period of insurance.
If you have Comprehensive Car Insurance and your car is assessed to be a total loss or a 'write off' from an incident covered by your policy, then instead of being repaired, the amount your car is covered for will be given as a cash payout (less any deductions).
If your car's less than 2 years old and you bought it new, we'll replace it with a new car of the same make, model and series (if available within 90 days), or similar if not available. If you choose not to accept the replacement car, or where an agreement cannot be reached between us on a replacement car, or a replacement car cannot be supplied, we will pay you the amount covered on your certificate of insurance (less any deductions). See the PDS for full details.
If you'd like to ensure that an additional driver is covered, you should list them on your policy. If someone who isn't listed is driving your car and an incident occurs, you may have to pay an additional excess, or you may have your claim denied.
Learner drivers are an exception. If the person supervising them is listed on the policy, the learner driver doesn't need to be. An additional age or inexperienced driver excess may apply though, in the event of a claim.
People with international licenses also need to be listed as an additional driver if they’re going to be driving your car regularly. As long as they're driving legally - that is, their license is recognised by the relevant state or territory authority - they'll be covered.
To make things simpler for you, AAMI takes care of the entire quote and repair process, using one of our preferred repairers. That means after you've lodged your claim, you can sit back, relax, and let us handle things.
Do I need to tell you about any modifications or accessories to my car?
Because we cover all legal modifications and accessories fitted to your car, there’s usually no need to list them on your policy. Just ensure the amount you cover your car for is enough to also include the value of all the insured accessories and modifications.
Two-wheel trailers attached to your car are covered by Comprehensive Car Insurance. As long as it’s attached to your car when the incident happens, we pay up to $1,000 for accidental damage. Theft of your attached trailer is also covered.
AAMI flexi excess is an additional excess payment you can choose, on top of your standard excess, that will kick in if you ever need to make a claim for which excess is payable. That is, a claim for an incident in which you’re at fault or can't provide the details of an at-fault driver.
Agreeing to a flexi premium means you'll have to pay a bit more at claim time, but it also means that your premium payments will be lower.
Yes, with limits.
When you get a quote, we'll offer a price that we think your car sits within. You can select a value from within that range, and that value will become your sum insured. That is, it’s the most we'll pay to repair or replace your car if you ever make a claim.
Update policy
Need to update your policy before you pay? Or don't have your Payment Reference Number handy? With My Account you can:
* 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:
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:
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:
If the payment is successful, it 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:
AAMI App
Manage your policy
Want to make payments while on the go? With the AAMI App you can:
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?
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?
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
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:
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.
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.
Damage to other people's property
Up to $20 million of cover for your legal liability to pay compensation for loss or damage to someone else's vehicle or property caused by the use of your car.
Accidental loss or damage
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.
Damage to other people's property
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.
Damage from fire or theft
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.
Damage by uninsured drivers
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.
Hire car after theft up to 21 days
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.
Hire car after not at fault incident
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.
Cover for personal property in the car
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.
Third party damage cover for trailer and caravan cover
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.
After claim expenses
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.
Transport cover
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.
Towing and storage costs
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.
New car after total loss if it's less than two years old
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.
Hire car after an event for unlimited days
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.
Windscreen and Window Glass Cover
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.
AAMI Roadside Assist
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.