AAMI's comprehensive insurance policy comes with the following features:
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.
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:
AAMI offers 3 main types of car insurance ranging from compulsory third party cover up to the full coverage of comprehensive insurance.
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 winnersWhen you decide to opt for comprehensive car insurance, you will enjoy 2 additional benefits from AAMI.
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.
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.
There are a number of factors that will impact the premium you pay for car insurance. With AAMI, this can include the following:
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.
| Provider | Price | Pros & cons | Who it might be good for: | Apply |
|---|---|---|---|---|
 Bingle | $673 |
| Those who don't need a bunch of extras | More info |
 Budget Direct | $828 |
| Anyone who wants a good value policy | Get quote |
 AAMI | $1,010 |
| Safe drivers who want to save based on their driving history | More info |
 Coles | $1,063 |
| Savvy shoppers keen to save on everyday bills | More info |
 QBE | $1,313 |
| Those who want a trustworthy insurer and more cover than other brands | Get quote |
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:
When you buy a new car insurance policy or you renew your existing one, the AAMI car insurance cooling-off period is 21 days.
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.
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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,
James
Do your company charge a admistration fee?
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.
Best,
Nikki
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 ?
Hi Pam,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually an AAMI Car Insurance.
You will need to contact AAMI Car Insurance about this matter.
Cheers,
Zubair
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
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.
Cheers,
Richard
HI,
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?
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,
Jason