What is AAMI like with claims?

Information from the NSW State Insurance Regulatory Authority (SIRA) shows that between 1 July 2023 and 30 June 2024, AAMI accepted 98.5% of NSW compulsory third party (CTP) claims for statutory benefits, above the 97% accepted across all NSW CTP insurers. These figures cover NSW CTP claims only, not comprehensive car insurance claims. However, a representative from AAMI told Finder that there is no data available on claims acceptance rates for its comprehensive car insurance.

Does AAMI have a no claims bonus?

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.

Who is AAMI owned by?

AAMI has been owned by Suncorp since 2007.

AAMI Car Insurance Review

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Sample quotes suggest AAMI comprehensive policies are often pricier than some alternatives.
Comprehensive cover includes modifications and $1,000 for personal effects but limits repairer choice.
Their Safe Driver Rewards program offers up to 15% off for claim-free years.

Pros

Accessories and modifications are covered as standard on comprehensive policies.
Cover for personal effects is competitive - Up to $1,000, combined with Essential Emergency Repairs and Emergency Transport & Accommodation

Cons

You can't choose your own repairer, which could be inconvenient for some drivers
Your policy will be more expensive if you want to pay monthly
No cover for key replacement, which is commonly offered by other insurers

Compare AAMI's car insurance policies

Finder Score	Accidental damage	Fire and theft	New Vehicle Replacement	Hire car after theft
9 Excellent AAMI Comprehensive Car Insurance	9 Excellent	Optional		If your car is written off or stolen in the first 2 years	Reasonable costs - Up to 21 days	Discount: Save $50 on a comprehensive car insurance policy with a first year online discount. T&Cs apply.	Summary: AAMI's comprehensive policy includes cover for legal standard modifications and accessories and up to $20 million liability cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available. Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.	Get Quote View details Compare product selectionCompare	loading
Not scored yet AAMI Third Party Fire and Theft	Not scored yet				Reasonable cost, up to 21 days	View details Compare product selectionCompare	loading
7.1 Great AAMI Third Party Property Damage	7.1 Great		Optional			Discount: Save $20 on a third party property damage car insurance policy with a first year online discount. T&Cs apply.	View details Compare product selectionCompare	loading

Finder Score for car insurance

We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

Read the full methodology

"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

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Why choose AAMI car insurance?

AAMI provides a range of standard features and optional covers for policyholders:

New car replacement. If your car is less than two years old and is a total loss, it will be replaced with a new vehicle of the same make and model.
Lifetime repair guarantee. All repairs authorised by AAMI for your vehicle are guaranteed for its life.
Hire car after no-fault accident. Comprehensive policies include a hire car if your vehicle is damaged in an accident where you were not at fault and can provide the other driver's details.
Uninsured motorist cover. Third Party Property Damage policies provide up to $5,000 for repairs if your vehicle is damaged by an uninsured driver in a no-fault incident.
Hire car for unlimited days (optional add-on). For covered incidents, AAMI will arrange and pay for a hire car of a similar make and model until your vehicle is repaired or your claim is settled.
Roadside assist (optional add-on). Provides 24/7 Australia-wide support for breakdowns, including emergency fuel delivery, jump-starts, flat tyre changes, and towing.
Safe driver rewards. Eligible drivers can earn a renewal credit of up to 15% and discounts on roadside assistance for maintaining a claim-free record.
Flexible payment options. Premiums can be paid in monthly or annual instalments to help manage household budgeting.

How much does AAMI car insurance cost?

To help give you an idea about AAMI car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.

3 of 3 results

Comprehensive annual quote	Third party fire & theft annual quote	Third party property damage annual quote
9 Excellent AAMI Comprehensive Car Insurance	$1,756.10	N/A	N/A	Get Quote View details Compare product selectionCompare	loading
Not scored yet AAMI Third Party Fire and Theft	N/A	N/A	N/A	View details Compare product selectionCompare	loading
7.1 Great AAMI Third Party Property Damage	N/A	N/A	$668.78	View details Compare product selectionCompare	loading

Showing 3 of 3 results

To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.

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.

How to make an online claim

Claims can be lodged through the AAMI website or via the AAMI mobile app using the following steps:

Log in to your account. Sign in to My AAMI or the mobile app using your email address and password.
Provide incident details. Specify what happened and the date the incident occurred.
Details of others involved. Input the name, contact details, and vehicle registration of any other drivers or witnesses involved.
Upload supporting documents. Attach photos of the damage and any relevant police report numbers to assist the assessment.
Pay the excess. Complete the payment for the applicable excess as outlined in your policy schedule.
Book repairs. Choose a repairer from the AAMI network and select a time for the vehicle assessment.
Track the progress. Use the online portal or app to receive updates on the status of the repair or settlement.

FAQs

Information from the NSW State Insurance Regulatory Authority (SIRA) shows that between 1 July 2023 and 30 June 2024, AAMI accepted 98.5% of NSW compulsory third party (CTP) claims for statutory benefits, above the 97% accepted across all NSW CTP insurers. These figures cover NSW CTP claims only, not comprehensive car insurance claims.
However, a representative from AAMI told Finder that there is no data available on claims acceptance rates for its comprehensive car insurance.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

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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. See full bio

Nicola's expertise

Nicola has written 170 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

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17 Responses

rehanApril 3, 2016

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.

Cheers,
Shirley

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AAMI car insurance review

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.