If you’re not sure what to set as your sum insured, our Home Building Calculator or Contents Calculator might be able to help.
How to renew your policy
For Home and Contents, Landlord or Renters insurance, you can jump online to review and update your details in minutes, or jump straight to payment.
Update and renew
It only takes minutes! It’s the perfect time to check your policy so that you’re only paying for the cover you need.
Or use the app
Pay your renewal
No need to log in! You’ll just need your Policy Number or Payment Reference Number.
Home Insurance
Ways to save
Find out how you can save on your premium with these four tips. You can make these updates online in moments via My Account.
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Increase your excess
Tip 1 of 4
Want to save some money on your premium? Try raising your excess! Doing so may lower your premium – but will mean you’ll have to pay more if and when you make a claim.
Adjust your sum insured
Adjust your sum insured
Tip 2 of 4
You can increase or decrease your sum insured, within a specified range, and your premium will change accordingly.
Review optional covers
Tip 3 of 4
Consider whether the mix of optional covers you’ve selected still suits your circumstances, needs and budget.
Monthly or Annual
Tip 4 of 4
If you pay your premium annually, you’ll pay less than if you pay by monthly instalments.
Quick Recap
What's covered
It’s important to know what you’re covered for.
Insured events
Contents
This provides a simplified and easy-to-navigate info with links to the PDS for more detail. Please note, this guide applies to new business and policy renewals commencing on or after 15 December 2020.
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 Home Insurance
Frequently Asked Questions
No, you don’t need to tell us about your solar panels. AAMI Building Insurance provides cover for damage to your home itself and any outbuildings and permanent fixtures which includes your solar panels. It also includes your domestic shed, decks and verandas and fences (limit applies). When you’re reviewing your sum insured, it’s important to keep these details in mind. Refer to the PDS for more info.
You can make updates to your policy online, just log in to My Account.
AAMI offers total building replacement cover. Our Complete Replacement Cover is an optional cover that can be added to your home and landlord insurance policies. This level of cover can give you peace of mind that we'll repair or rebuild your home as it was — or pay you the amount of the assessed quote to do so — without you having to set a specific sum-insured limit. We provide you peace of mind if you're uncertain as to how much it will cost to rebuild your home.
If you choose Sum Insured, you can specify a sum insured on your policy. If the house is damaged in an insured event, this amount is the maximum we’ll pay to rebuild or repair it (plus any additional cover provided for by the PDS).
You can make updates to your sum insured or choose Complete Replacement Cover at renewal, just log in to My Account.
AAMI Home Building and Contents Insurance includes cover for damage to your home and/or its contents for damage caused by floods.
For policy purposes, ‘flood’ is defined as the covering of normally dry land by water that has escaped or been released from the normal confines of:
- any lake, river, creek, or other natural watercourse (whether or not altered or modified)
- any reservoir, canal, or dam.
Exclusions apply. Please refer to the PDS for details.
AAMI Home Assist is an optional cover that you can pay extra for. Get help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So, if you come home to something unexpected like a burst pipe or blown fuse, AAMI Home Assist can help get it sorted ASAP.
Some geographical limitations apply. AAMI Home Assist is only available 24 hours after adding the option to a new or existing policy. Learn more about AAMI Home Assist.
You can make updates to your optional covers at renewal, just log in to My Account.
To avoid being underinsured, your home and contents sum insured should reflect what it would cost to rebuild your house or replace your contents at today’s prices.
To help you estimate the rebuild cost of your home and new for old replacement cost of your contents you can use the Building Calculator and Contents Calculator.
Please note that the calculator is intended as a guide only and not intended to be relied on for the purpose of making a decision in relation to purchasing our products. The calculator might include questions that you may not see in other calculators. These questions can affect the estimate that in calculated. Consider whether you need a professional valuation from an architect, builder or other valuation expert.
For more information refer to ‘About Your Sum Insured’ in the PDS.
If your policy has very recently expired, you may still be able to renew it online – check to see if you can still pay for it! Just be aware that you won't be covered if your policy has expired.
You also won’t be able to make any updates to your details if your policy has expired, however, you will be able to make changes online after the policy has been renewed.
If you’re experiencing financial hardship, AAMI is here to support you, we have dedicated services, so don’t hesitate to reach out.
You can schedule your renewal payment through your bank via BPAY. Use the biller code 655902, Payment Reference Number (PRN) and the renewal amount.
Got another question?
Start a chat now with our virtual assistant. If you can’t get the answers you need, one of our consultants will jump in and help out.
Disclaimer:
Apple and App Store are trademarks of Apple Inc. registered in the U.S., and other countries and regions. Google Play and the Google Play logo are trademarks of Google Inc.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Limits, conditions and exclusions apply. Read the relevant Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
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?
Adjust your sum insured
If you’re not sure what to set as your sum insured, our Home Building Calculator or Contents Calculator might be able to help.