Finder makes money from featured partners, but editorial opinions are our own.

AAMI car insurance review

AAMI shines with affordable premiums and many ways to save further.

No reviews yet. Write a review

Our Verdict

  • AAMI's comprehensive policy includes up to $20 million cover for damage to other people's property and cover for legal modifications and accessories.
  • You can speak to customer support personnel through a variety of channels – a rarity in the world of car insurance.
  • Its comprehensive policy comes with a slew of features, but if you're looking for your choice of repairer, you'll have to look elsewhere.
We don't currently have this brand on our panel. But don't fret! You can head to the AAMI website or compare a bunch of other car insurance companies with finder.
Compare car insurance

Read a more detailed AAMI car insurance review:

plus icon

Optional add-ons

Comprehensive car insurance might be on the higher end of the scale when it comes to coverage but that doesn't mean it includes everything. AAMI has a selection of optional add-ons you can purchase to add some further protection on the road.

  • Hire car after an event for unlimited days. If your car is out of action due to a claim, AAMI will arrange and pay for a hire car to help you get around.
  • Windscreen and window glass cover. Get one excess free claim towards the cost to repair or replace windscreen or window glass (including sunroofs).
  • AAMI Roadside Assist. Sign up for AAMI's dedicated emergency roadside assistance service as part of your policy.

cross icon


There are certain scenarios that won't be covered under your car insurance. It's important that you are aware of these exclusions to avoid any surprises in the event of a claim. With AAMI, these include the following:

  • The driver of the vehicle having more than the legal blood alcohol limit
  • Any reckless act by you or by the driver of your car
  • Loss or damage to your car while it is being demonstrated for private sale and you are not a passenger
  • Damage to your car's tyres caused by braking, punctures, road cuts or bursting
  • Driving your car after it has been damaged in an incident
  • Your car being used in a race, contest or any motorsport
  • Your car is used for hire (except for rideshare)
  • Theft or damage to your car if the car is left unattended, unlocked and with the keys left in the car
  • Loss or damage to your car caused by the incorrect type of fuel being used
  • Your car has mould, mildew, rust, corrosion or normal wear and tear

Papers with magnifying glass icon

Choice of policies

AAMI offers 3 main types of car insurance ranging from compulsory third party cover up to the full coverage of comprehensive insurance.

  • CTP Green Slip. Compulsory third party insurance (also referred to as Green Slip Insurance in NSW) covers you if passengers in your car or others on the road file a personal injury claim against you. This insurance is mandatory if you want to register your car.
  • Third party. When you don't need or want cover for your own car, third party car insurance is an economical middle-ground of insurance. You'll get cover for damage to other people's property as well as damage to your vehicle by uninsured drivers.
  • Comprehensive. AAMI's top level of car insurance covers accidental loss or damage to your car, plus damage your car causes to other people's vehicle and property.

Congratulations, AAMI!

AAMI is the winner of the NSW category for the Customer Satisfaction Awards in 2023. To add to that, it was highly commended for the national award as well. What a great effort!

Full list of 2023 winners

AAMI Safe Driver Rewards and AAMI Skilled Drivers Course

When you decide to opt for comprehensive car insurance, you will enjoy 2 additional benefits from AAMI.

Safe driver

AAMI Safe Driver Rewards®

Drive safely for a year and AAMI will reward you with a credit that can be used for the following year's premium. Continue to drive safely each year and you can enjoy up to 15% off. You also get discounts on AAMI Roadside Assistance and this discount keeps increasing with time, with a potential 25% off.


AAMI Skilled Drivers Course

A course for young drivers to get a better understanding of road safety. If you, your child or your grandchild are under 25, you can enrol and enjoy a 10% reduction in your premium on successful completion. The discount applies as long as the participant remains a listed driver and until they reach the age of 25.

How much does AAMI car insurance cost?

There are a number of factors that will impact the premium you pay for car insurance. With AAMI, this can include the following:

  • Your address
  • Age and gender of listed drivers
  • Type and age of car
  • Annual distance the car is driven
  • Your claims history

To give you a better idea of how much you could be up for, we gathered quotes to find the average car insurance premium cost from a variety of providers, including AAMI. We found that AAMI fared well compared to its competitors with an average of $1,010 per year for comprehensive cover.

AAMI car insurance compared

ProviderPricePros & consWho it might be good for:Apply
Bingle logoBingle$673
  • It's cheap because it only covers the essentials and almost everything is handled online
Those who don't need a bunch of extrasMore info
Budget Direct LogoBudget Direct$828
  • New car replacement only in the first 12 months
Anyone who wants a good value policyGet quote
  • Key replacement and choice of repairer not included
Safe drivers who want to save based on their driving historyMore info
Coles logoColes$1,063
  • One of our Best Car Insurance picks for Bonuses
  • Get double Flybuys Points at Coles, plus a 10% sign-up discount
Savvy shoppers keen to save on everyday billsMore info
QBE LogoQBE$1,313Those who want a trustworthy insurer and more cover than other brandsGet quote

How to make a car insurance claim with AAMI

You can make a claim 24/7 by calling AAMI on 13 22 44, using the AAMI app or online. Alternatively, you can submit a claim online by following these steps:

  1. Head to
  2. Enter your full name, date of birth and date of the incident to start
  3. Describe what happened including any details of any other people involved
  4. Upload any documents or photos to support your claim
  5. Submit, and you should hear back within 2 business days

How to cancel AAMI car insurance

When you buy a new car insurance policy or you renew your existing one, the AAMI car insurance cooling-off period is 21 days.

  • What is a cooling-off period? If you decide to cancel within this period, AAMI will refund the entire amount that you paid for the policy, but it also means that you will not have any cover for your car.
  • What about after this period? You also have the option to cancel your car insurance at any time and you'll be refunded the unexpired portion of the premium less any non-refundable government charges. If you cancel, you'll be covered up to the date of cancellation.
  • Where can I cancel? You can cancel your policy over the phone at 13 22 44, via the AAMI app or in the My Account section of the AAMI website.

Bottom line about AAMI car insurance

AAMI's policies stand tall among the car insurance providers we've reviewed. Its comprehensive policy is packed with standard features, and if you need a boost, there are some optional add-ons to further tailor your cover.

You'll find many ways to save, including buying your policy online, paying annually and choosing a higher excess. Safe drivers can save even more with credits every year you don't have an incident and the chance to get a discount when you prove your skills behind the wheel at a skilled drivers course.

Where you might find AAMI car insurance wanting is the lack of choice of repair cover. If you do have an accident, you'll have to use one of its preferred repairers. On the plus side, you will get a lifetime repair guarantee on any authorised repairs so you can expect high standards.

Find a new car insurer below.

1 - 6 of 33
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value
Budget Direct Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $125 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). .

⭐ Current offer: Earn up to 50,000 Qantas Points with every Qantas Car Insurance policy you take out by 5 December. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

Why you can trust Finder's car insurance experts


We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

17 Responses

    JamesJanuary 6, 2023Finder

    Hi Diana,

    If you’ve paid for a year’s worth of insurance, then you can look into canceling your policy with the insurer and get a refund. The insurer should just charge you for the month(s) you were with them, and then refund the rest.

    As for the unused portion of your registration including CTP, depending on your state, the insurer will take off the remaining value of your unused registration and CTP insurance from your payout. You can recover your unutilized CTP from your CTP insurer and obtain a refund for your unused registration from your state’s Roads or Transport Authority.

    Feel free to visit Finder’s guide for cars written off for more details.

    I hope this helps.

    Kind regards,

    Default Gravatar
    TjohnSeptember 5, 2019

    Do your company charge a admistration fee?

      Default Gravatar
      NikkiSeptember 6, 2019

      Hi Tjohn,

      Thanks for getting in touch! Fees depend on the type of policy you have or will have with AAMI. There are no additional admin fees when you apply for car insurance. The premium that you receive is the total price. However, if you choose to pay by monthly installments it does cost more. It is approx 12-15 % more to pay monthly. If you’d like to get a quote with AAMI, you may visit their website and get an online quote. You can also reach out tot her chat service team for real-time assistance on your application.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    pamApril 14, 2017

    if car is damaged in the accident, the front end + has damaged the windscreen and I have compare cover but no windscreen cover do i pay extra or is it covered in the whole fix ?

      ZubairApril 18, 2017Finder

      Hi Pam,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually an AAMI Car Insurance.

      You will need to contact AAMI Car Insurance about this matter.


    Default Gravatar
    niallJanuary 23, 2017

    hi i have a full comp car ins policy with aami and pay monthly , if i write the car off during that 12 months do i have to pay all off the 12 month cost of ins

      RichardJanuary 25, 2017Finder

      Hi Niall,

      Thanks for getting in touch. If you no longer have your car (in this case if it was written off) you would be able to cancel your policy.


    Default Gravatar
    OzmanDecember 15, 2016

    If I get a 12 month cover for $700 and after one or two month, I want to cancel my insurance. How much cancellation fee would be charged?

      JasonDecember 16, 2016Finder

      Hi Ozman,

      Thank you for your enquiry.

      According to the PDS of AAMI Comprehensive Car Insurance, The amount of the cancellation fee is $30 (plus (if applicable) FSL plus GST plus stamp duty) for each car insured on the policy.

      The cancellation fee is deducted from any refund that AAMI will send you. If the refund is less than the fee, a refund will not be issued and AAMI will not charge you an additional amount to cover the difference.

      You may also try to get quotes from other car insurance providers featured on our website.

      Kind regards,

Go to site