Up to $20 million of cover if your car damages someone else's vehicle or property.
Third Party Car Insurance
What is Third Party Car Insurance?
Third Party Car Insurance offers cover for damage caused to someone else’s vehicle or property, if you’re liable for it. It can also, for an additional premium, include cover for loss of, or damage to, your car caused by fire or theft.
Third Party
Car Insurance
Damage to other people's property
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.
what's covered?
Damage by fire
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
Hire car after theft for up to 21 days
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Up to $500 for personal items
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
what can you add
Get $20 Off
This is a summary only - check out the details
What am I covered for?
What’s covered by Third Party Car Insurance?
Third Party Property Damage Car Insurance covers damage you cause to other people's vehicles and property while behind the wheel. It's different from Compulsory Third Party Insurance (such as 'CTP' in SA or 'Green Slip' in NSW), which just covers costs related to injuries caused in a motor vehicle accident for which you're liable. Get the latest on what's included with AAMI Third Party Car Insurance.
What’s included?
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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.
Upgrade with Fire & Theft Cover
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Damage by fire
Total Loss
We consider your car a total loss when:
- It's stolen and unrecovered after 14 days; or
- It's uneconomical, impractical or unsafe to repair.
This is a just summary. For full details check the Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
Hire car after theft for up to 21 days
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Up to $500 for personal items
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
Reasons customers choose AAMI
Trusted since 1969
24/7 Claims
The AAMI App
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
Car insurance articles
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Although these terms are easily mistaken, they’re quite different. We take a closer look at what they mean and why you should the know the difference.
Confused about all the various types of car insurance plans? Unsure what coverage best suits your lifestyle? We help break things down for you with our simple guide.
Would you know what to do if you were in a car accident and not at fault, especially if the other party is uninsured? Learn more today.
AAMI Third Party Car Insurance
Frequently asked questions
Third Party Car Insurance cover protects you from the costs of damage your car causes to someone else's car or property, but the costs won't cover your wheels if they're damaged in an accident.
On the other hand, Compulsory Third Party Insurance is a mandatory cover attached to the registration of your vehicle and provides protection to the at-fault driver against compensation claims from people injured in a motor vehicle accident.
Your coverage amount will depend on your circumstances, such as what car you're driving and more. You can check your amount covered, including your excess, in your policy online.
AAMI Third Party Car Insurance covers damage caused to other people's vehicle and property, and damage by uninsured drivers.
Damage to other people's property
Up to $20 million of cover if your car damages someone else's vehicle or property.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
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.
Damage by fire
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
Hire car after theft for up to 21 days
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Up to $500 for personal items
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
Amount Covered
How much your car’s insured for.
It’s the maximum amount we’ll pay for loss or damage to your car caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
Total Loss
We consider your car a total loss when:
- It's stolen and unrecovered after 14 days; or
- It's uneconomical, impractical or unsafe to repair.
This is a just summary. For full details check the Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.
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, 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:
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.