AI Car Insurance

Get cover to match your needs and save up to 20% when you purchase online with AI Car Insurance.

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 policies underwritten by The Hollard Insurance Company, AI is a boutique general insurance provider that allows you to tailor a policy to suit your unique cover needs.

It offers the following insurance options:

  • Comprehensive Car Insurance
  • Third Party Property Damage Car Insurance

Read on to find out more about the benefits of each of AI’s car insurance options.

AI Cover Options

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. It also provides cover for towing and storage costs, car modifications and locks and keys, while new car replacement is provided for 12 months or 20,000km. $20 million legal liability cover is also included.
  • TradieSure. TradieSure Insurance from AI Car Insurance is a comprehensive policy specifically designed to meet the cover needs of tradies. It provides $20 million of legal liability cover and covers accidental damage to your own and other vehicles. Loss or damage caused by fire, theft, storm and a range of other risks are covered, while new car replacement is provided for 12 months or 20,000km.

Third Party Property Damage

  • Economy Cover. This 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.

AI Car Insurance Levels of Cover


  • Elegant Cover
  • New car replacement within 12 months or 20,000km
  • Covers loss or damage caused by collision, fire, theft, vandalism, hail, storm or flood
  • $20 million legal liability cover when you cause loss or damage to another person’s property
  • Cover for towing and storage costs when your car cannot be driven following a claimable event
  • Substitute car cover
  • $1,000 cover for replacement locks and keys
  • $500 personal effects cover
  • $500 cover for emergency travel and accommodation costs following a claimable event more than 250km from home
  • TradieSure
  • New car replacement within 12 months or 20,000km
  • Covers loss or damage caused by collision, fire, theft, vandalism, hail, storm or flood
  • $20 million legal liability cover when you cause loss or damage to another person’s property
  • Cover for damage to goods in transit due to collision or theft
  • Cover for loss of trade tools due to theft
  • Cover for loss or damage to trailer
  • $5,000 tax audit cover
  • Finance gap cover up to the lesser of 20% of the market value or the finance settlement amount
  • Lock and key replacement following theft

Third Party Property Damage

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

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 to Save on Your AI Car Insurance 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.

Some final questions you might have

AI Car Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.

Yes, all AI Car Insurance policies have a cooling-off period of 14 days. If you cancel your policy during this time you will receive a full refund.

AI Car Insurance offers monthly and annual premium payment options.

Yes, you can buy cover online through the AI Car Insurance website after obtaining a quote. Alternatively, you can phone the insurer to purchase the policy you want.

You can make changes to your cover by phoning AI’s customer service team on 1300 00 33 03.

AI offers a wide range of policy choices to suit the different needs and budgets of Australian drivers. Compare AI Car Insurance policies with policies from other insurers on to find the right cover for your requirements.

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