These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Key takeaways
Eligible ahm and Medibank health members can receive a 10% discount on their car insurance premiums for the duration of their membership.
Drivers who travel less than 15,000 km per year may reduce their premium costs by choosing the 'Pay As You Drive' comprehensive cover option.
Policyholders can adjust their basic excess between $500 and $5,000 to manage the balance between upfront premium costs and out-of-pocket claim expenses.
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
Compare ahm's policies
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We currently don't have that product, but here are others to consider:
How we picked these
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.
ahm offers various features and optional cover choices to policyholders.
Kanga cover. As an optional add-on, this allows for one animal collision claim per year without the requirement to pay a basic excess.
Sports gear cover. This optional add-on provides up to $3,000 in coverage for sports equipment while it is stored in or on the vehicle.
Health member discount. ahm and Medibank health members are eligible for a 10% discount on car insurance premiums for the duration of their health membership.
Pay As You Drive cover. This optional comprehensive cover is available for those who drive less than 15,000 km per year, offering a premium reduction of up to 30%.
New for old car replacement. If your car is written off in the first 2 years, it will be replaced with a new car of the same value.
Lifetime repair guarantee. Repairs authorised by the ahm network are guaranteed for as long as you own the vehicle.
Uninsured motorist cover. Third Party Property Damage policies include up to $3,000 for repairs if your car is damaged by an identified uninsured driver who is at fault.
Roadside assistance. Available as an optional add-on, this provides 24/7 support for breakdowns, including towing, flat tyres, and emergency fuel.
How much does ahm car insurance cost?
To help give you an idea about ahm 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.
We currently don't have that product, but here are others to consider:
How we picked these
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 isn't covered?
ahm car insurance policies do not provide cover for the following:
Drivers younger than the age restriction on the certificate of insurance
Learner drivers without a fully licensed supervisor
Unlicensed drivers or those breaching licence conditions
Driving under the influence of alcohol or drugs
Use of an unsafe or unroadworthy vehicle
Business use, ridesharing, or delivery services
Motor sports, trials, or use on a sporting circuit
Mechanical, electrical, or computer breakdowns
Wear and tear, rust, or corrosion
Pre-existing damage or faulty workmanship
How to make an online claim
Claims for ahm car insurance can be submitted 24/7 through the following steps:
Access your account. Log in to your online ahm account using your email address and password.
Provide incident details. Specify what happened and the date the event occurred.
Collect witness and third-party information. Include the name, phone number, address, and registration details of anyone else involved.
Submit documentation. Provide photos of the damage and any relevant police report numbers.
Pay the excess. Complete the payment for the applicable basic and additional excesses as shown on your Certificate of Insurance.
Track your claim. Once lodged, your claim will be assessed, and you can monitor the progress of repairs or settlement online.
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 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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Nicola's expertise
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Finder guides across topics including:
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Personal insurance, including car, health, home, life, pet and travel insurance
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