If your car is stolen or damaged by someone attempting to steal it, we will cover accidental loss or damage to your car up to the amount covered for your car as shown on your certificate of insurance (subject to the terms of your policy).
+ Upgrade for Third Party Property Damage Insurance
Fire & Theft Third Party Property Damage Car Insurance
For an additional premium, you can upgrade your Third Party Property Damage Car Insurance to provide cover for accidental loss or damage to your car caused by fire, theft or attempted theft.
What's covered
Cover for fire, theft and attempted theft
This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS)
How to get AAMI Third Party Fire & Theft
New customer
Complete an AAMI Third Party Property Damage Car Insurance quote online and when choosing your level of cover, select AAMI Third Party, Fire and Theft.
Existing customer
Call us on 13 22 44 to change your level of cover to Fire, Theft and Third Party Property Damage Car Insurance. Psst - you may need your policy number.
What is Fire & Theft cover for Third Party Property Damage Car Insurance?
Third Party Property Damage Car Insurance provides cover for loss or damage that your car causes to another person’s car or property that you might be liable for (up to $20 million) – so it can help cover costs if you rear-end another car or bump into a fence. But it doesn’t apply to costs incurred if your car is stolen, or damaged by fire or attempted theft.
That’s where Fire & Theft cover, for an additional premium, can come in handy.
Frequently asked questions
Third Party Car Insurance (or Third Party Property Damage) provides cover for you or anyone you authorise to drive your car for the costs of loss or damage your car causes to someone else's car or property. However, it won't cover your car if it’s damaged in an accident.
Compulsory Third Party Insurance is a mandatory cover attached to the registration of your vehicle (depending on the state in which your vehicle is registered). It provides protection to the at-fault driver against compensation claims from people injured in a motor accident involving your vehicle.
AAMI Third Party Property Damage Car Insurance provides cover for loss or damage caused by your vehicle to other people's vehicle and property (up to $20 million), as well as damage to your vehicle (up to $5,000) by an uninsured driver provided the other driver is entirely at fault and you can give us their name, address and vehicle rego.
AAMI Third Party Property Damage Car Insurance provides legal liability cover of up to $20 million for loss or damage caused by your vehicle to other people's vehicles and property. We also provide cover for your vehicle for up to $5,000 for damage caused by uninsured drivers so long the other driver is entirely at fault and you can give us their name, address and rego of their vehicle.
Cover for fire, theft and attempted theft
If your car is stolen or damaged by someone attempting to steal it, we will cover accidental loss or damage to your car up to the amount covered for your car as shown on your certificate of insurance (subject to the terms of your policy).
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.