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AI Car Insurance

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Alexandra Koster
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If you’re looking for competitive car insurance to protect your vehicle on and off the road, AI Insurance offers a range of policies that are well worth considering. With a policy tailored specifically to tradesmen, as well as standard and comprehensive cover, there's sure to be a policy for everyone.

Read on to learn about your policy options.

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What cover options does AI offer?

AI Car Insurance offers the following policies to Australian drivers:

Elegant Cover

This comprehensive policy provides cover for loss or damage to your car in a wide range of situations, including accident, theft, vandalism, hail, storm, flood and fire.

  • Accidental damage to own and third party vehicle or property
  • Theft and attempted theft
  • Malicious damage
  • Hail, storm, and flood
  • Fire
  • Legal liability (up to $20 million)
  • New car replacement
  • Locks and keys replacement as a result of theft
  • Transit cover
  • Cover for damage to personal effects
  • Emergency travel and accommodation

TradieSure Cover

TradieSure Insurance from AI Car Insurance is a comprehensive policy specifically designed to meet the cover needs of tradies.

  • All comprehensive cover benefits (accidental damage, theft, malicious damage, hail, storm, flood, fire, legal liability)
  • Cover for damage to goods in transit as a result of a vehicle collision or theft
  • Cover for loss of trade tools as a result of theft
  • Cover for loss or damage to your trailer
  • New car replacement
  • Transit cover
  • Locks and keys replacement as a result of theft
  • Tax audit cover (up to $5,000)

Economy Cover

his third party property damage car insurance policy from AI provides $20 million of legal liability cover when you are required to pay compensation for third party property damage resulting from the use of your car. This includes cover for your legal costs.

  • Covers accidental damage to third party vehicle or property
  • $20 million legal liability cover
  • Monthly premium payment option

Need extra cover?

  • Car hire. If your car is stolen or cannot be driven after an accident, you can get a hire car for up to 14 days.
  • Excess-free winscreen or window glass cover. AI will pay the cost of replacing or repairing the windscreen or window glass of your car if it is damaged after an accident.
  • Roadside Assistance. Get help if you lose your keys, get a flat tyre, are out of fuel, or need towing.
  • Chipex. Get covered for repair to minor scratches and dents sustained to your car. You can claim a maximum of 2 times per policy period.
  • Total cover. Get covered for the repair or replacement of specified parts of your car when you suffer an unexpected mechanical or electrical breakdown. This includes: engine, transmission, fuel system, air conditioner, clutch, braking system, plus more.

What excess will I pay?

If you select Elegant Cover Comprehensive Car Insurance from AI, you will need to pay an excess when you make a claim. The excesses that apply to your policy will be shown in the certificate of insurance and may include:

  • Basic excess. This is payable for each claim and the amount is shown on your insurance certificate.
  • Inexperienced driver excess: $1,250. Applies to drivers under the age of 30 or who have not held a licence for more than two years.
  • Unlisted driver excess: $1,000. Applies when your car is driven by someone not listed on the certificate of insurance.
  • Single car accident excess. $300. Applies when your vehicle is involved in a single car accident.
  • Theft/malicious damage excess. $1,000. Applies to claims of attempted theft, theft or malicious damage.
  • Undisclosed policy excess. $1,000. Applies when you have specified your car will be parked overnight in a garage or secure area, but it suffers loss or damage when parked elsewhere.
  • New policy excess. $600. Applies to incidents that occur within six months of new policy inception.
  • Special excess. The insurer may apply special excesses based on the car you drive, your driving history and claims history.

How can I save on my policy?

Keep the following tips in mind to help you save money on your car insurance premiums:

  • Choose a higher basic excess. This will result in lower premiums.
  • Paying annually. A discount applies if you pay your AI Car Insurance premium in one annual lump sum amount.

How do I claim?

If you’re involved in an incident that may lead to a claim, you must take all reasonable steps to prevent or reduce loss or damage. You must also report the loss or incident to the police immediately where necessary, and you should then report the incident as soon as possible by phoning the insurer’s claims team on 1300 00 33 03.

You must never admit guilt or liability without the insurer’s consent, or offer to pay any damages arising from the event. Failing to comply with these terms could lead to your claim being reduced or even refused.

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