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ahm car insurance review

ahm offers a decent level of coverage but might not suit drivers on a tighter budget.

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ahm

Our verdict

Pros

  • 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.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
ahm Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder's summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

    ⭐ Current offer: Get 12 months of roadside assistance included when you take out a new comprehensive car insurance policy. T&Cs apply.

    Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 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.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    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 $1,363.

    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.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    ahm logo$1,783$1,305$1,344$1,162$1,931$1,289$1,469More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare ahm's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    ahm Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Up to $70 per day - Up to 14 days
  • Finder's summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

    ⭐ Current offer: Get 12 months of roadside assistance included when you take out a new comprehensive car insurance policy. T&Cs apply.

    Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
    ahm Third Party Property Damage
    Optional
    Optional
  • Optional add-on
    People who want to add roadside assistance and a flexible excess option (which can help lower your premium). It only covers up to $3,000 if your vehicle is damaged by an uninsured driver at fault who you can identify.
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    What additional cover options are available?

    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

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