Allianz vs AAMI car insurance
Tossing up between Allianz and AAMI? We've compared each insurer side by side.
Allianz and AAMI are two of Australia's most popular car insurers. AAMI offers higher benefit limits in some areas like; hire car after no fault accident, emergency repairs and personal effects coverage.
Allianz vs AAMI — compare key features
We've compared the basic comprehensive car insurance policies on offer from Allianz car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.
Allianz Comprehensive |
AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter |
Allianz Australia Insurance Limited |
AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses |
$50 online discount |
|
| Roadside assistance |
Optional |
Optional |
| Agreed or market value |
Agreed |
Agreed or Market |
| Choice of repairer |
|
|
| Legal liability |
$20,000,000 |
$20,000,000 |
| Fire and theft |
|
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Up to $50 per day - Until claim is completed |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Up to $50 per day - Until claim is completed |
Reasonable Cost |
| Hire car after at fault accident |
Optional Up to $50 per day - Until claim is completed |
Optional Up to $90 per day |
| Emergency repairs |
Up to $500 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $500 |
Up to $1,000 |
| New car replacement |
If your car is written off in the first 2 years |
If your car is written off or stolen in the first 2 years |
| Personal effects/property |
Up to $500 |
Up to $1,000 |
| Locks and keys replacement |
Up to $1,000 |
|
| Towing |
|
|
| Trailer cover |
|
Up to $1,000 |
| Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Car insurance policies on offer
Allianz offers 2 types of car insurance:
- Comprehensive insurance
- Third party property damage insurance
AAMI offers 2 levels of car insurance:
- AAMI Comprehensive
- AAMI Third party property damage
AAMI's third party property damage policy can have fire & theft car insurance added to it.
Customer reviews
Allianz has slightly better ratings than AAMI on popular review websites. However, it scored lower in our Customer Satisfaction awards. Allianz scored 4.19/5 and AAMI scored 4.32/5.
Allianz and AAMI complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from AAMI (AAI) and Allianz have received and resolved.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Allianz | 575 | 292 | 50.78% |
| AAI | 2231 | 1370 | 61.43% |
Finder's verdict
Our expert says
"Allianz and AAMI are pretty dependable insurers with solid coverage. AAMI has a few benefits with higher limits than Allianz but if you care about having a choice of repairer, Allianz would be a better fit. We also ran a few quotes and our research suggests AAMI is cheaper on average. Everyone's circumstances are slightly different so it's worth getting a quote from both to see who is best for you."
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How Does AAMI as overall insurers with RACV
Hi Ken, if you’re wondering how AAMI compares to RACV then I’ve put a quick analysis of their comprehensive policies below.
In terms of coverage offered, RACV is a bit more thorough. You can pay a bit extra to get your own choice of repairer if you like and key/lock replacements are covered. AAMI doesn’t offer choice of repairer or key replacement.
However, AAMI offers roadside assistance as an optional add on, RACV does not.
What’s best for you here will depend on what features you care for more. If you’ve got any specific features in mind, let me know and I’d be happy to share some suggestions.
In terms of pricing, our research shows that RACV is typically more expensive than AAMI. We found that there’s often a few hundred dollars difference between the two so it’s definitely worth getting your own quotes and comparing the difference.
I’d say; if you care for more features and are happy to pay a bit more – RACV is worth considering. If you’re more concerned about keeping costs lower and don’t mind not having access to a choice of repairer or key replacement then AAMI might be a better bet for you.
I hope this helps!