With strong cover and reasonably-priced policies, AAMI is a decent car insurance option. However, some popular benefits are missing and cheaper options are available.
We currently don't have that product, but here are others to consider:
How we picked these
Customer Satisfaction rating
Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2024, we asked Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the insurers scored, these were the top 3. See our methodology for how each provider was scored.
Brand
Overall satisfaction rating
★★★★★ 4.44/5
★★★★★ 4.30/5
★★★★★ 4.19/5
"Easy to use app, low premiums, easy to understand policies."
Vanessa, WA
AAMI customer
"Good value for money and friendly, helpful customer service."
Steven, SA
AAMI customer
"If you have a claim be prepared to spend up to two hours on hold."
Waldo, QLD
AAMI customer
"There is no doubt that AAMI is a little more expensive, however you know the claims experience is hassle free and it is backed by a major QLD company."
Anon, QLD
AAMI customer
"Have claimed with them in the past and their service was outstanding. Premiums are competitive and easy to understand their policies."
Anon, QLD
AAMI customer
"Prior to signing up with AAMI, my comprehensive car insurance exceeded $1,000 annually. After a brief market comparison, I noticed AAMI offered the most competitive rate. The quote and policy acquisition process was simple and easy to navigate, and resulted in cost savings of almost $400 per year! I've been with AAMI for nearly five years now, and have only made one claim. It's important to note that the policy limits your choice of repair shops. This is a factor to consider when evaluating your insurance needs. However, AAMI offers a streamlined claims process, allowing you to file online or by phone. Their customer service team are really responsive and the claims experience was really smooth."
Jamie Wise
Finder crew member
Compare AAMI's car insurance policies
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We currently don't have that product, but here are others to consider:
How we picked these
What do Australians think of AAMI roadside assistance?
4.32/5 overall for Customer Satisfaction - higher than the average of 4.31
4.31/5 for Trust - lower than the average of 4.52
4.38/5 for Customer Service - higher than the average of 4.33
You'll get access to a wide range on add-ons with an AAMI policy, including:
Hire car after an incident. AAMI will provide Up to $90 per day for a hire car if your car is out of action due to an event or incident - even if it's your fault. Cover lasts until your claim is settled or you get your car back.
Windscreen & window glass cover. Add this cover to your policy and you won't have to pay an excess if you need repairs or a replacement of your windscreen, window glass or sunroof. Only one excess-free claim per year.
Roadside assist. Add roadside assist to your policy for 24-hour unlimited callouts. Cover includes help for flat tyres and batteries, lost or locked-in keys, and towing.
What's not covered with an AAMI Car Insurance policy?
There's a fair bit covered with an AAMI policy, but there's some things that are missing including:
Roadside assistance: Some insurers offer this as a free inclusion on policies, but with AAMI you'll have to pay a little bit extra.
Choice of repairer: Also a feature included with some other insurers, AAMI won't let you choose you repairer. If you have a family friend mechanic, you probably won't be able to nominate them to fix your car.
Congratulations, AAMI!
AAMI received the following highly commended awards in the 2024 Customer Satisfaction Awards:
'Car Insurance - National & SA' - Loved Brand
'Car Insurance - National' - Quality Service Brand
Information from the State Insurance Regulatory Authority shows that AAMI accepted 94.7% of CTP claims. This was below the average of 96.7%.
However, a representative from AAMI told Finder that there is no data available on claims acceptance rates for its comprehensive car insurance.
Yes. AAMI has a Safe Drivers Rewards Program which offers discounts and incentives to comprehensive car insurance policy holders each consecutive year they're with AAMI and don't make a claim. Discounts can reach a maximum of 15% off car insurance and 25% off roadside assist.
AAMI has been owned by Suncorp since 2007.
AAMI has a 24/7 claims process that you can do completely online, or with their app. You can take photos and upload documents related to your claim and track the process from start to finish.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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hi my name is REHAN
i have a car insurance of my car in melbourne
1DS1AY
i want to cancel it immediately please tell me the procedure as i am overseas in pakistan
and all the hidden costs to it
i will be grateful to u
Finder
RichardApril 4, 2016Finder
Hi Rehan,
Thanks for your question. According to the product disclosure statement (PDS), you may cancel this policy at any time. You will be refunded the unexpired portion of the premium, less the cancellation fee and less any non-refundable government charges if the, refund is more than $10.
I hope this was helpful,
Richard
alpeshFebruary 5, 2016
Hi…I taken insurance but still not debit premium amt from my account so want to check is it activate or not???
Thank you
Finder
RichardFebruary 9, 2016Finder
Hi Alpesh,
Thanks for your question. You’ve contacted finder.com.au, which is an Australian financial comparison service. You will need to contact AAMI directly by calling 13 22 44.
I hope this was helpful,
Richard
candiceSeptember 30, 2015
Hi. I already have comprehensive car insurance with aami, but I would now like to add road Side assistance. How can I do that?
Finder
RichardSeptember 30, 2015Finder
Hi Candice,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact AAMI directly on 13 22 44 and have it added as an optional extra.
I hope this was helpful,
Richard
LesleyannNovember 20, 2014
change detail on my account
Finder
ShirleyNovember 21, 2014Finder
Hi Lesleyann,
Thanks for your question.
Please get in touch with AAMI directly to change any personal details. finder.com.au is an online comparison service, so we don’t have any access to personal information or accounts.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
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hi my name is REHAN
i have a car insurance of my car in melbourne
1DS1AY
i want to cancel it immediately please tell me the procedure as i am overseas in pakistan
and all the hidden costs to it
i will be grateful to u
Hi Rehan,
Thanks for your question. According to the product disclosure statement (PDS), you may cancel this policy at any time. You will be refunded the unexpired portion of the premium, less the cancellation fee and less any non-refundable government charges if the, refund is more than $10.
I hope this was helpful,
Richard
Hi…I taken insurance but still not debit premium amt from my account so want to check is it activate or not???
Thank you
Hi Alpesh,
Thanks for your question. You’ve contacted finder.com.au, which is an Australian financial comparison service. You will need to contact AAMI directly by calling 13 22 44.
I hope this was helpful,
Richard
Hi. I already have comprehensive car insurance with aami, but I would now like to add road Side assistance. How can I do that?
Hi Candice,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact AAMI directly on 13 22 44 and have it added as an optional extra.
I hope this was helpful,
Richard
change detail on my account
Hi Lesleyann,
Thanks for your question.
Please get in touch with AAMI directly to change any personal details. finder.com.au is an online comparison service, so we don’t have any access to personal information or accounts.
Cheers,
Shirley