Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
Explore the range of AAMI’s trusted products
Most popular products at a glance
Comprehensive 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.
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
Home & Contents
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
Third Party 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.
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.
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
NSW CTP Insurance
Injury costs
Reasonable and necessary treatment and care expenses for which you or the driver of your vehicle are liable if you or someone else are injured in a motor accident caused by your vehicle.
Medical and lost income expenses
Medical expenses and weekly payments of a percentage of lost income, for up to twelve months, if you're injured and you're at fault.
Landlord Insurance
Landlord contents Legal liability
If you have landlord contents cover we cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of insurance:
- in connection with you owning the unit or landlord contents at the insured address; and
- in the unit at the insured address.
We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
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
REAL AUSSIES
Customer offers
AAMI Events & Experiences
Eligible customers can enjoy special offers, access to event perks like priority entry, premium viewing or pre-sales.
Join us in supporting Ausmusic T-Shirt Day in 2024!
AAMI's $40K donation match starts 10AM AEDT on 19.11 until exhausted T&Cs apply.
Vision Australia's Carols by Candlelight
Get your tickets with AAMI & access exclusive event perks!
Leon Bridges - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
Missy Higgins - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
The Script - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
The Teskey Brothers - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
Roxette - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
Take That - A Day on the Green
Get your A Day on the Green tickets with AAMI & access exclusive event perks!
A DAY ON THE GREEN
AAMI customers enjoy event perks like Express Entry, Express Bar Lanes and Pre-Sales!
AAMI Events and Experiences eligibility
Customers with the following AAMI policies are eligible to access AAMI Events and Experiences via My Account or the AAMI App:
- Any Car and Vehicle policies
- Home and/or Contents, including Landlord and Strata
- Life
- Income Protection
- Health (only via My Account)
- Travel (only via the AAMI App)
Insurance for almost everything
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.
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.
Available to 95% of Aussie homes
Some geographic limitations apply.
How AAMI Home Assist works
If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:
For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.
We can connect you with a plumber, electrician, locksmith or carpenter.
Tax Probe
Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.
Back in Business
Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.
Theft
Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.
Property Damage
Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.
Public and Products Liability
Covers you for the cost of compensation if your business is responsible for personal injury or property damage.
Home & Contents including Legal Liability
Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.
Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.
Damage to other people and their property
Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.
Loss of rent
Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.
Loss of rent
The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.
Contents damage or loss
Only those contents which are owned by the landlord but kept within the property are covered.
Third party cover
You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.
Legal liability
We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:
which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or
if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.
We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.
Legal liability
We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:
in connection with you owning or living in the building; and
at the insured address.
We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.
Lifetime guarantee on building repairs
When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:
- authorise;
- arrange; and
- pay the builder or repairer directly for this work.
For full details, see the PDS.
Portable valuables
Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.
Specified contents at home
If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.
Temporary Accommodation
Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.
Temporary Accommodation
Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.
Temporary Accommodation
If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.
Temporary Accommodation
If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.
Eligible Policies
Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.
Tenant Protection
Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.
Cover for spoiled food and medication
If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.
Cover for motor burnout
If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
24/7 AAMI Home Assist
Available 24 hours after adding the option to your policy.
General maintenance
AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions.
Preventative services
AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions.
Disaster response
AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.
Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.
This doesn’t cover damage caused by:
- Wear and tear
- The gradual deterioration of something with age
- Deliberate acts
- Defective workmanship
Limits and exclusions
This Optional Cover is for fixed glass only. Refer to the PDS for more information.
Online Discount Terms & Conditions
Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
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 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.
Injury costs
Reasonable and necessary treatment and care expenses for which you or the driver of your vehicle are liable if you or someone else are injured in a motor accident caused by your vehicle.
Medical and lost income expenses
Medical expenses and weekly payments of a percentage of lost income, for up to twelve months, if you're injured and you're at fault.
Landlord contents Legal liability
If you have landlord contents cover we cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of insurance:
- in connection with you owning the unit or landlord contents at the insured address; and
- in the unit at the insured address.
We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.