Up to $1,000 covered for locks and keys. Some providers only cover up to $500.
With lots of customisation options, drivers can tailor cover to suit their needs
If you have low mileage, ahm's Pay As You Drive Cover could save you up to 30%
Cons
Of the 30 car insurance policies we compared, ahm's was more expensive than most
Up to $500 covered for personal items - some providers offer up to $1,000
There's no option to extend hire car cover after an at-fault accident
How does ahm compare with other car insurers?
ahm's comprehensive car insurance sits around the middle of the pack. Its pricing excludes it from being a cheap car insurer yet it limits remain lower than some higher-end car insurance providers.
Cost research for the 2024 Finder Awards found that, on average, ahm's comprehensive car insurance policies cost $1,469 a year. That's $106 higher than the industry average of $1,362.
The below table is based on quotes from a fictional driver and your own quotes will differ.
Keep in mind, the best car insurance for you may depend on more than just price.
Ahm offers a broad range of optional add ons that allow drivers to customise their policies to better suit their specific needs. They include -
Pay as you drive cover - Cheaper cover for drivers who don't drive frequently, or far
Roadside assistance - A 24/7 recovery service to help get back you back on the road
Hire car - Add on a hire car if you ever claim for theft or damage to your vehicle
Kanga cover - ahm will repair or replace your car, excess free, for one animal collision a year
Sports gear cover - Up to $3,000 to cover sports equipment while it's in or on your car
Excess free windscreen - Get your windscreen repaired or replaced, excess free, once a year
FAQs
ahm is underwritten by The Hollard Insurance Company Pty Ltd.
You can call ahm on 1300 518 049, 8am - 6pm Monday to Thursday AEDT and 8am - 5pm Friday AEDT. If you need emergency assistance, you can call (+61) 2 4062 8737 24/7.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Guide to Everyday car insurance. Compare policy features.
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