Making an AAMI Comprehensive Car Insurance claim
Lodging your claim online or via the AAMI App is the fastest way to make an AAMI Comprehensive Car Insurance claim. For eligible claims, you can book repairs, book a hire car and pay an excess (if applicable). Once your claim is lodged, managing your claim online is a breeze. Simply sign into your AAMI My Account to view your claim, manage repairs and hire car bookings, contact your AAMI Approved Repair Partner and more.
Prepare your claim details
We'll ask for details about the incident, the damage to your car and anyone else involved - like other drivers or witnesses. We may also ask for relevant photos and documents (if you have them). This information will help get the ball rolling, but you can still claim if you don’t have all of it.
Make and manage your claim online 24/7
Make a claim online or through the AAMI App and if eligible: book repairs; arrange a hire car or pay an excess (if applicable). Once your claim is lodged, manage your claim online at any time by logging in to your AAMI My Account.
Head to an AAMI Approved Repair Partner
If your car is driveable, head to your selected AAMI Approved Repair Partner on the date and time of your repair booking. If your car is not roadworthy or safe to drive, we’ll cover the reasonable cost to tow your car to the AAMI Approved Repair Partner or another facility of our choice.
Once the AAMI Approved Repair Partner has assessed the damage, they can usually begin repairs right away and will keep you updated on the progress of your repairs. If your vehicle is assessed as a total loss, we’ll get in touch to discuss what will happen next.
Get back on the road (if your vehicle is repairable)
We’ll let you know when repairs are complete and your car is ready to be collected.
Drive off with confidence knowing that the quality of workmanship and the materials authorised by AAMI in repairing your car is guaranteed for its life.
Check your policy cover and excess
The easiest way to confirm your policy cover and excess is to access your policy documents online via the AAMI App, your AAMI My Account or our policy document hub.
What are the different types of car excess?
If you’re at fault when you make a car insurance claim, you’ll often still need to pay an excess. Learn more about the main different types of car excess you may come across.
What happens when you’re in a car accident and not at fault?
If you’re involved in a car accident that isn’t your fault and the other driver doesn’t have insurance, things can get confusing. Here are some things to consider.
What happens when you’re in a car accident and not at fault?
AAMI Comprehensive Car Insurance
Frequently asked questions
What is an excess, how is it calculated and when do I pay it?
An excess is your contribution towards the cost of a claim and is a requisite policy condition. Effectively, the excess is the amount you self-insure. Your cover starts once insured loss or damage exceeds the excess. The excess will depend on the circumstances of the claim.
Some Additional Benefits and Optional Covers have their own excess, in addition to any other excess that may apply. When multiple excesses apply, you might have to pay more than one excess.
The amount and details of each applicable excess is shown on your Policy Schedule. Information on how and when an excess applies can also be found in the Product Disclosure Statement (PDS).
When you make a claim, and depending on the claim type, you can pay any appliable excesses in one of the following ways:
- All claim types – you pay directly to us.
- Repairs authorised - in some instances, and before repairs commence, you pay the appointed repairer or supplier.
- Cash settlement – the excess is deducted from the claim settlement amount.
What do I do if there‘s no damage to my car, but I’ve hit someone else's car or property?
You can choose to lodge a claim subject to the terms and conditions of your policy. All levels of our car insurance – including Third Party Property Damage – cover you for loss or damage to another person’s car or property. See PDS for conditions, limits and exclusions.
What happens if I’m not at fault but I’ve already paid the excess?
If you pay an excess upfront and it’s later determined by us that you weren’t at fault, we’ll refund you accordingly if you can provide us the name and address of the at fault driver and registration of the at fault vehicle involved.
Whether or not an unlisted driver might be covered in the event of an accident can depend on if the driver is legally allowed to drive the car. For example, P-Platers driving turbocharged cars that are over state regulated power-to-weight ratio limits would not be covered.
If the driver is legally allowed to drive the car, you may still be able to make a claim, however you may incur an unlisted driver excess.
Can I choose who my repairs my car?
To make things simpler for you, AAMI can help you through the whole repair process with our AAMI Approved Repair Partners. You can learn more by reading the PDS.
To join our preferred repairer network, repairers must hold the latest industry qualifications and consistently deliver high standards of workmanship, quality assurance and customer care. This means we only partner with accredited repairers and our authorised repairs come with a lifetime guarantee to give you a little extra peace of mind.
How do I get home from the repairers after dropping my car off?
We will cover your transport costs to and from the repairer of your car or a hire car provider. If you arrange your own transport, you will need to pay for the transport cost and provide us with the tax invoice for reimbursement. Refer to your policy documents online via the AAMI App, your AAMI My Account or our policy document hub for further details.
What if I’m not happy with my repairs?
If you’re concerned about the quality of the repair of your car, call us on 13 22 44. For rectification work, take your car back to the original repairer to rectify the repairs. Do not carry out or authorise rectification work without our consent.
Should I make a claim?
Sometimes knowing whether you should make a car insurance claim can be tricky. Check out these common scenarios to help you decide.
Hire cars are only available as additional covers in two instances for Comprehensive Car Insurance. Firstly if an incident wasn't your fault and secondly, if your car was stolen. We will also arrange a hire car if you have cover for Third Party Fire & Theft Car Insurance (see the PDS for full details).
If your car is damaged by an incident where you or the driver of your car weren't at fault and it cannot be safely driven or is in for repairs, as long as you can give us the name and address of the person at fault and the registration number of the at fault vehicle involved, we'll cover the reasonable cost of a hire car that meets your needs.
If your car is stolen, we will provide you with a hire car that meets your needs for up to 21 days.
In addition to this, if you have Comprehensive Car Insurance and you’ve been involved in an incident that was your fault and you have also purchased our optional cover – hire car after an event, we will provide you with a hire car that’s a similar make or model to your own car, for up to $90 a day until your car is repaired, returned undamaged or we settle your claim.
Please note:
- You may not be able to use the hire car for ridesharing purposes.
- A hire car cannot be used by learner drivers or drivers under 25.
Please read the PDS for more details.
What happens if my car is a total loss?
If you have comprehensive insurance, your car becomes a total loss if:
- it is stolen and unrecovered after 14 days and we accept your claim for theft of your car; or
- it is uneconomical or unsafe to repair, including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy.
If your car is more than 2 years old, we pay the amount covered less any applicable deductions.
For full details, please download the Comprehensive Car Insurance PDS and Additional Information Guide.
If your car is less than 2 years old, and you're the first registered owner, 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.
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.
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Disclaimers
* Subject to the conditions, limits and exclusions of your policy.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the Product Disclosure Statement before buying this insurance. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
The information is intended to be of a 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 it – please make your own enquiries.