Comprehensive Car Insurance

Save $50 with a first year online discount

Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.

Save $50

With a first year online discount

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What's covered

Hire car for not-at-fault incidents

At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

Mods and accessories

At AAMI we cover all legal modifications and accessories fitted to your car. There’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.

This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)

What's not covered

AAMI Roadside Assist

AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.

This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) Product Disclosure Document (PDS)

What's optional

AAMI Roadside Assist

AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.

AAMI Roadside Assist

Get help 24/7 Australia-wide if your car breaks down and you need to be towed.

Windscreen and window glass

Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy.

Hire car after an incident

Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to.

Other benefits

Ways to save

Checking a few simple things on your car insurance policy can help you make sure you’re paying what you should be – and not a dollar more.

Ways to save

AAMI Flexi-Premium Excess®

With AAMI Flexi-Premium Excess® you can choose to lower your premium by increasing your excess on eligible policies.

Lifetime Repair Guarantee

The quality of the workmanship and the materials authorised by AAMI in the repair of your car will be guaranteed for its life. How’s that for peace of mind?

AAMI Safe Driver Rewards®

AAMI Safe Driver Rewards®

Safe Driver Rewards® credit is a percentage of the Comprehensive Car Insurance rated premium paid the previous year and is applied as a credit to next year’s rated premium. Maximum 15% credit is for drivers who don’t make a claim on their Comprehensive Car Insurance policy that impacts their Safe Driver Rewards® status for 10 years+.

Enjoy extra rewards and benefits for every consecutive year you don’t make a claim. Drivers who don’t make a claim that impacts their AAMI Safe Driver Rewards® status for 10 years and above receive up to 15% credit.

Up to 10% discount with a Skilled Driver Course

AAMI Skilled Driver Course

Up to 10% discount off the rated premium of your AAMI Comprehensive Car Insurance when a listed driver under the age of 25 has completed the AAMI Skilled Driver Course. Discount applied until the first renewal on or after the participant turns 25 as long as the participant remains a listed driver on the policy.

Sharpen your skills with the AAMI Skilled Driver Course. Pass the course and receive up to 10% discount on your premium.

Looking for something else?

Third Party Car Insurance

Cover for damage you cause to other people’s car or property.

Learn more

Compulsory Third Party (CTP) Insurance

Cover for injuries you cause to other people.

Learn more

What is Comprehensive Car Insurance?

Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance

Frequently asked questions

Comprehensive Car Insurance is just that — comprehensive. It’ll provide you with coverage for a range of insured events such as accidents and theft, as well as weather events like hail, fire and storms. If you’re involved in an accident, your car and property and the other person’s car and property are covered, even if you’re at fault. Third Party Car Insurance, on the other hand, will only cover you for damage you cause to someone else’s vehicle and property. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.

AAMI Comprehensive Car Insurance covers you for accidental loss or damage in the event of fire, theft or attempted theft. For more info on what is and isn’t covered, check the PDS.

AAMI Flexi-Premium Excess® is an additional excess payment you can choose, on top of your standard excess, that will kick in if you ever need to make a claim for which excess is payable. That is, a claim for an incident in which you’re at fault or can't provide the details of an at-fault driver.

More Car Insurance FAQs

Save $50 with a first year online discount

Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

Hire car for not-at-fault incidents

At AAMI after a not-at-fault accident we provide you with a hire car that meets your needs (for until your car is repaired and returned, or your claim is settled) if you can provide full details of the at-fault driver and their vehicle. Some exclusions apply, refer to the PDS for full conditions.

Mods and accessories

At AAMI we cover all legal modifications and accessories fitted to your car. There’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.

AAMI Roadside Assist

AAMI Roadside Assist is an Optional Cover only available in conjunction with AAMI Comprehensive Car Insurance. There is no cover for AAMI Roadside Assist within the first 24 hours of adding the optional cover. Please read the AAMI Roadside Assistance T&Cs for the terms, including the coverage, limitations and exclusions.

AAMI Safe Driver Rewards®

Safe Driver Rewards® credit is a percentage of the Comprehensive Car Insurance rated premium paid the previous year and is applied as a credit to next year’s rated premium. Maximum 15% credit is for drivers who don’t make a claim on their Comprehensive Car Insurance policy that impacts their Safe Driver Rewards® status for 10 years+.

AAMI Skilled Driver Course

Up to 10% discount off the rated premium of your AAMI Comprehensive Car Insurance when a listed driver under the age of 25 has completed the AAMI Skilled Driver Course. Discount applied until the first renewal on or after the participant turns 25 as long as the participant remains a listed driver on the policy.

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LEGAL INFORMATION

COOKIE AND DATA POLICY We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how AAMI collects and uses data related to your online activity, and how you can choose to remain anonymous.

AAMI GENERAL INSURANCE AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. AAMI Business Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI Business Insurance. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000.

Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. The Target Market Determination is also available.

AAMI PET INSURANCE Petinsurance.com.au policies entered into for the first time prior to 07/11/2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, are arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and are promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Platform Ventures Pty Ltd ABN 35 626 745 177, AR 001266101 (under the AAMI brand)(Ventures). Ventures will receive a commission which is a percentage of the premium paid to the issuer.

Petinsurance.com.au policies entered into for the first time on or after 07/11/2023 and subsequent renewals of those policies are issued by PetSure and are promoted and distributed by PetSure’s AR, PIPL and Ventures. Ventures will receive a commission which is a percentage of the premium paid to the issuer. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at Petinsurance.com.au.

AAMI HEALTH INSURANCE AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

AAMI LIFE INSURANCE AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the AAMI brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement. The Target Market Determination is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.