AAMI Car Insurance

aami car insurance

AAMI is a provider of car insurance in Australia, as well as other products such as home and contents insurance, health insurance and life insurance. Here’s an overview of the car insurance available from AAMI.

What types of car insurance does AAMI offer?

AAMI offers comprehensive car insurance, third party property insurance across Australia, as well as compulsory third party insurance in New South Wales and South Australia only.
If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.
Let’s take a closer look at its compulsory third party cover and what it offers policyholders.

AAMI comprehensive car insurance

Comprehensive car insurance is AAMI’s highest level of car insurance cover and is designed to protect drivers for the cost of damage caused to their car as well as to other people’s vehicles and property.

Some of the features offered by comprehensive care insurance at the time of writing include:

  • Cover for accidental damage to your vehicle
  • Cover for damage caused to other people’s property (up to $20 million)
  • Cover for theft or attempted theft
  • Cover includes accessories to modifications to the vehicle 
  • Includes hire car after not-at-fault incidents 
  • Includes new for old replacement (for cars less than two years old where you are the first registered owner)
  • Membership of AAMI’s Lucky Club which offers a range of discounts at popular retailers as well as other features

In addition, customers can choose to add on the following optional features at an extra cost:

  • Hire car after an incident 
  • Windscreen & window glass cover 

Some exclusions, limitations and other terms and conditions may apply to AAMI’s car insurance cover, so if you are considering taking out a policy, it’s important to read the product disclosure statement (PDS) and target market determination (TMD) carefully to ensure that the cover is suitable for you.

You can use Canstar’s comparison tables to see how its policy has been rated relative to other providers by Canstar’s expert researchers as part of our most recent Comprehensive Car Insurance Star Ratings.

Compare Car Insurance with Canstar

AAMI Car Insurance FAQs

How do you buy car insurance from AAMI?

First, consider comparing comprehensive car insurance policies among a range of providers with Canstar to find a product that suits your needs.

Compare Car Insurance with Canstar

If you choose to go with AAMI, you can get a car insurance quote directly through its website or over the phone.

Does AAMI let you nominate a higher or lower excess?

AAMI allows comprehensive car insurance customers to choose how much excess they want to pay when requesting a quote, or renewing their policy. Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa.

Does AAMI let you choose between market and agreed value?

AAMI allows policyholders to choose between covering their vehicle for its market value (subject to approval by AAMI) or an agreed value chosen by the policyholder from a range provided by AAMI. Check with AAMI for details.

If you’re not sure which one would be best for your vehicle specifically, here’s an article about market vs agreed value which could help.

>How do you lodge a claim with AAMI?</h4

AAMI car insurance policyholders can make a claim 24 hours a day, seven days a week by calling the provider on 13 22 44. Additionally comprehensive car insurance policyholders can claim online.

AAMI says those making a claim should have supporting documents at the ready, including any photos relating to the incident.

>How do you renew your car insurance with AAMI?</h4

There are different ways to renew your AAMI car insurance. Customers who have downloaded and signed in to the AAMI App can renew policies via the app. If you are an AAMI customer and have a Payment Reference Number, you can renew your insurance using AAMI’s Quick Pay service through its website, without needing to log in. Otherwise, you can log in to your online account via AAMI’s website to renew your cover or update your policy details.

Consider comparing car insurance policies before simply renewing the same policy, so that you continue to get the cover you need as well as value for money.

Compare Car Insurance with Canstar

About AAMI

Founded in 1969, AAMI is one of Australia’s oldest and largest insurance providers, covering around 1.7 million Australian drivers. AAMI is part of the Suncorp Network, along with other insurance providers such as GIO, Apia, Shannons and Bingle.


This article was reviewed before it was published as part of our fact-checking process.

Thanks for visiting Canstar, Australia’s biggest financial comparison site*

Written by: Sean Callery | Last updated: November 22, 2021